BANK-CD RATE SCANNER/Bank CD Rates

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Bank Savings Account Rates List

Today's Highest FDIC-insured Rates

High Interest 1 Yr CD Rates

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Bank

Date

Rate

APY

Minimum Deposit

CIT Bank

Melville, NY

02/03/12

1.07

1.08

$25,000

Ally Bank

Midvale, UT

02/03/12

0.99

Doral Bank

Panama City Beach, FL

02/03/12

1.14

1.15

$1,000

Colorado Federal Savings Bank

Greenwood Village, CO

02/03/12

1.04

1.05

$5,000

AloStar Bank of Commerce

Birmingham, AL
NR

02/03/12

1.02

1.03

$1,000

VirtualBank

Miami, FL

02/03/12

1.00

1.01

$10,000

MetLife Bank

Bridgewater, NJ

02/03/12

1.00

$25,000

Discover Bank

New Castle, DE

02/03/12

1.00

$2,500

Pacific Mercantile Bank

Costa Mesa, CA

02/03/12

0.95

$10,000

First Internet Bank of Indiana

Indianapolis, IN

02/03/12

0.95

$1,000

AIG Bank

Wilmington, DE

02/03/12

0.92

$2,500

Lone Star Bank

Houston, TX

02/03/12

0.90

$1,000

USAA

San Antonio, TX

02/03/12

0.86

$1,000

OneWest Bank, FSB

Pasadena, CA

02/03/12

0.85

$1,000

Bank of Internet USA

San Diego, CA

02/03/12

0.75

$1,000

EverBank

Jacksonville, FL

02/03/12

0.75

$1,500

giantbank.com

Ft. Lauderdale, FL

02/03/12

0.75

$2,500

Ascencia, a div. of PBI Bank

Louisville, KY

02/03/12

0.75

$500

Flagstar Direct

Troy, MI

02/03/12

0.75

$500

Transportation Alliance Bank

Ogden, UT

02/03/12

0.65

$1,000

Excel National Bank

Beverly Hills, CA

02/03/12

0.65

$10,000

American Bank

Allentown, PA

02/03/12

0.60

$500

State Farm Bank

Bloomington, IL

02/03/12

0.55

$500

Intervest National Bank

New York, NY

02/03/12

0.55

$2,500

Direct2FFB

Irvine, CA

02/03/12

0.50

$10,000

Centennial Bk

Fountain Valley, CA

02/03/12

0.50

$10,000

NOVA Bank

Philadelphia, PA

02/03/12

0.50

$500

Salem Five

Salem, MA

02/03/12

0.45

$500

Heritage Bank

Willmar, MN

02/03/12

0.40

$1,000

Citizens Trust Bank

Atlanta, GA

02/03/12

0.25

$500

1st Source Bank

South Bend, IN

02/03/12

0.25

$500

iGObanking.com

Lake Success, NY

02/03/12

0.15

$1,000

Aurora Bank, FSB

Wilmington, DE

02/03/12

0.15

$1,000

Astoria Federal Savings

Long Island, NY

02/03/12

0.15

$500

NewDominion Bank

Charlotte, NC

02/02/12

0.89

0.90

$1,000

Metropolitan National Bank

New York, NY

01/31/12

0.70

$1,000

Frontier State Bank

Oklahoma City, OK

01/31/12

0.35

$1,000

Contacting Institutions
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For an explanation of savings terms, click here. These rates are updated weekly. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

More rates from BankCD.com

Certificates of Deposit
mo = months
yr = years

Term	APY	Notes*	Minimum	Bank
1-mo	0.96	p	$500,000	Investors Comm Bk
1-mo	0.86	p	$100,000	Investors Comm Bk
1-mo	0.75	p	$25,000	Investors Comm Bk
1-mo	0.43	p	$175,000	USAA
1-mo	0.40	i,p	$10,000	Investors Comm Bk
1-mo	0.38	p	$95,000	USAA
1-mo	0.26	p	$1,000	AloStar Bk
1-mo	0.25	b,p	$1,000	Presidential Bk
2-mo	0.25	b,p	$1,000	Presidential Bk
2-mo	0.25	b,p	$25,000	Crestmark Bk
2-mo	0.20	p	$10,000	Eloan
3-mo	2.02	b,i,p,u	$20,000	Please check Note "u" below
4-mo	0.55	p	$175,000	USAA
4-mo	0.50	p	$95,000	USAA
4-mo	0.45	i,p	$1,000	OneWest Bk
4-mo	0.30	p	$1,000	OneUnited Bk
4-mo	0.25	p	$1,000	AmTrust Direct
4-mo	0.10	i,p	$100,000	Astoria Fed
5-mo	0.60	p	$175,000	USAA
5-mo	0.55	p	$95,000	USAA
5-mo	0.20	b,p	$100,000	1st Trade Union Bk
5-mo	0.10	i,p	$100,000	Astoria Fed
6-mo	2.01	b,i,p,u	$20,000	Please check Note "u" below
7-mo	0.81	p	$175,000	USAA
7-mo	0.80	p	$500	NY Comm Bk
7-mo	0.76	p	$95,000	USAA
7-mo	0.66	p	$1,000	USAA
9-mo	0.95	p	$1,000	AloStar Bk
9-mo	0.91	p	$175,000	USAA
9-mo	0.90	b,p	$1,000	Beal Bk Nevada
9-mo	0.90	p	$10,000	Incredible Bk
9-mo	0.80	i,p	$2,500	Discover Bk
9-mo	0.80	i,p	$50,000	MetLife Bk
9-mo	0.75	b,p	$500	Acacia Fed Bk
9-mo	0.75	i,p	$1,000	OneWest Bk
9-mo	0.74	p	$0	Ally Bk
9-mo	0.71	b,p	$1,000	Beal Bk
13-mo	1.05	p	$10,000	Incredible Bk
13-mo	0.90	i,p	$1,000	OneWest Bk
14-mo	1.00	b,i,p	$500	Stonebridge Bk
15-mo	1.25	i	$500	Dime
15-mo	1.06	p	$175,000	USAA
15-mo	1.05	b,p	$50,000	Goldwater Bk
15-mo	1.00	p	$95,000	USAA
15-mo	0.95	p	$1,000	USAA
15-mo	0.90	p	$3,000	NewDominion
15-mo	0.75	i,p	$250	Middlesex Bk
16-mo	1.15	p,r17	$1,000	Dollar Savings Direct 866-395-8693
16-mo	1.00	p,r7	$1,000	Emigrant
1.5-yr	1.95	f,i	$100	1st Trade Union Bk
1.5-yr	1.21	p	$175,000	USAA
1.5-yr	1.11	b,p	$50,000	Goldwater Bk
1.5-yr	1.06	b,i,n,p	$500	Self-Help CU
1.5-yr	1.05	b,i,p	$500	Stonebridge Bk
1.5-yr	1.05	i,p	$2,500	Discover Bk
1.5-yr	1.05	p	$5,000	Colorado FSB
1.5-yr	1.01	i,p	$1,000	OneWest Bk
1.5-yr	1.00	p	$0	Ally Bk
1.5-yr	1.00	b,p	$500	Acacia Fed Bk
1.5-yr	1.00	b,i,p	$1,000	1st Internet Bk
19-mo	1.20	p	$10,000	Incredible Bk
21-mo	1.10	b,i,p	$500	Stonebridge Bk
2.5-yr	1.40	p	$175,000	USAA
2.5-yr	1.35	p	$1,000	AmTrust Direct
2.5-yr	1.35	p	$95,000	USAA
2.5-yr	1.30	b,i,p	$500	Stonebridge Bk
2.5-yr	1.30	p	$1,000	USAA
2.5-yr	1.26	i,n,p	$40,000	Northrop Grumman FCU
2.5-yr	1.20	i,p	$2,500	Discover Bk
2.5-yr	1.10	b,p	$500	Acacia Fed Bk
2.5-yr	1.10	b,i,p	$1,500	Everbank
2.5-yr	1.06	i,p	$250	Middlesex Bk
2.5-yr	1.01	p	$1,000	Bk of Internet
2.5-yr	1.00	i,p	$1,000	Capitol Fed
32-mo	1.35	i	$100	3rd Fed S&L
32-mo	1.35	p	$500	3rd Fed S&L
3.5-yr	1.35	i,p	$1,000	Capitol Fed
4-yr	2.07	i,n,r9	$4,000	Melrose CU
4-yr	2.07	b,n,p,r9	$5,000	Melrose CU
4-yr	2.00	n,p,r10	$500	DCU
4-yr	2.00	i,n,p	$1,000	Pentagon Fed CU
4-yr	1.77	b,i,n,p	$500	Self-Help CU
4-yr	1.71	i,n,p	$40,000	Northrop Grumman FCU
4-yr	1.70	i,p	$175,000	USAA
4-yr	1.65	i,p	$250	Middlesex Bk
4-yr	1.65	i,p	$10,000	Investors Comm Bk
4-yr	1.65	i,p	$95,000	USAA
4-yr	1.61	i	$1,000	TAB Bk
4-yr	1.61	b,p	$1,000	TAB Bk
4-yr	1.60	i	$250	USAA
4-yr	1.60	p	$1,000	USAA
4-yr	1.55	i,p	$2,500	Discover Bk
6-yr	2.00	i	$100	3rd Fed S&L
6-yr	2.00	p	$500	3rd Fed S&L
6-yr	1.80	i	$1,000	Intervest Nat Bk
6-yr	1.80	b,p	$2,500	Intervest Nat Bk
6-yr	1.70	p	$10,000	Eloan
6-yr	1.61	b,p	$100,000	Luana Sav Bk
6-yr	1.56	i,p	$5,000	Principal Bk
7-yr	2.76	i,n,p	$1,000	Pentagon Fed CU
7-yr	2.75	n,o,p	$100,000	Air Force FCU
7-yr	2.15	i,p	$175,000	USAA
7-yr	2.10	p	$500	Dime
7-yr	2.10	i,p	$95,000	USAA
7-yr	2.05	i	$250	USAA
7-yr	2.05	p	$1,000	USAA
7-yr	2.00	i,p	$2,500	Discover Bk
7-yr	1.81	b,p	$100,000	Luana Sav Bk
7-yr	1.80	b,p	$2,500	Intervest Nat Bk
7-yr	1.70	p	$1,000	iGObanking
7-yr	1.01	b,p	$5,000	Capital One
8-yr	1.80	i	$1,000	Intervest Nat Bk
8-yr	1.80	b,p	$2,500	Intervest Nat Bk
8-yr	1.60	p	$10,000	Capitol Fed
9-yr	1.80	i	$1,000	Intervest Nat Bk
9-yr	1.80	b,p	$2,500	Intervest Nat Bk
10-yr	2.45	i,p	$2,500	Discover Bk
10-yr	1.80	p	$1,000	iGObanking
10-yr	1.80	i	$1,000	Intervest Nat Bk
10-yr	1.80	b,p	$2,500	Intervest Nat Bk
10-yr	1.25	c1,i,p	$20,000	Astoria Fed
10-yr	1.01	b,p	$5,000	Capital One

*Notes: Example, "b,i,p" means that the account can be opened as a Business account, or an IRA, or a regular Personal account.

a18: Maximum age is 18.
a21: Maximum age is 21.
a23: Maximum age is 23.
a50: Minimum age is 50.
b: Business account.
c0: Callable; can be redeemed by the bank after 6 months.
c1: Callable; can be redeemed by the bank after 1 year.
c2: Callable; can be redeemed by the bank after 2 years.
e: Rate guaranteed until specific date.
f: Variable rate.
g3: Not available in CA.
i: IRA.
k: Brokered; issued by an FDIC-insured bank and sold by a brokerage.
m0: Maximum $1,000.
m1: Maximum $10,000.
m2: Maximum $501.
m3: Maximum $25,000.
m4: Maximum $30,000.
m5: Maximum $35,000.
m6: Maximum $50,000.
m7: Maximum $70,000.
n: NCUA-insured. Anybody can join (unless Note "o" is indicated).
o: Military and their family only.
p: Personal account.
r0: Requires $1 checking account.
r1: Requires one monthly direct deposit or ACH auto debit, and 10 debit card transactions.
r2: Requires $200/month direct deposit.
r3: Requires $100 checking account.
r5: Requires $25 checking account.
r4: Requires one monthly direct deposit or automatic payment and 15 debit card transactions.
r6: Requires 10 monthly debit card transactions.
r7: Requires $1 savings account.
r8: Requires one monthly $1,000+ direct deposit, 2 online bill payments and 7 debit card purchases.
r9: Requires $25 savings account.
r10: Requires $0 checking account, one monthly direct deposit, active loan (eg, Visa).
r11: Requires one monthly direct deposit or ACH auto debit, one online bill payment and 12 debit card transactions.
r12: Requires one monthly direct deposit or two bill payments.
r13: Requires $100/month deposit.
r16: Requires one monthly automatic deposit, one online bill payment, and 15 debit card purchases.
r17: Requires $1,000 savings account.
r20: Requires one monthly direct deposit or two ACH auto debit and 10 debit card transactions.
r21: Requires $1 checking account with one monthly net pay direct deposit and 10 checks and/or signature debit card transactions.
r22: Requires $5 savings account with one $500 monthly deposit.
r23: Requires $1 checking account with one monthly direct deposit or bill payment.
u: Global Power Shift Basket CD at EverBank. Multiple foreign currencies in one CD. FDIC-insured.

Information subject to change; deemed reliable but not guaranteed. Please verify with the financial institution before depositing and notify us of discrepancies immediately.