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Top FDIC-Insured 
Bank Savings & CD Rates
Fact: No investor has ever lost a
single penny on an FDIC-insured deposit.

 

Banks:
ü FDIC-insured
ü
Out-of-state funds accepted
Accounts opened:
ü By mail, phone, online
ü
At a branch if nearby
 

Updated daily

Compare Bank Savings
& CD Rates
Bank Savings Account Rates List
Accounts included:
Checking account
Money market account
Savings account
Bank CD Rates List
Common certificate of deposit types:

Fixed rate CD
The rate of the CD is guaranteed for the length of the term.

Variable rate CD
The rate of the CD can fluctuate during the term.

Adjustable rate CD
The rate of the CD is guaranteed for the length of the term, however the depositor can make an adjustment (usually one-time only) if rates rise.

Liquid CD
There is no penalty for early redemption of the CD.

Add-To CD
The bank allows the depositor to add funds during the term of the CD.

Bump-Up CD, Jump-Up CD
If rates go up, the CD rate goes up, typically only once.

Step-Rate CD, Step Up CD
Rates increase at different times during the term. Eg, a 4-year CD may have a guaranteed rate of 4.60% during the 1st 12 months, 4.85% during the 2nd 12 months, 5.00% during the 3rd 12 months and 5.10% during the last 12 months; for a total of 5.00% APY. In other words, it would be equivalent to a 4-year CD @ 5.00%.

Callable CD
The institution can return the deposits plus accrued interest before the end of the term.

Brokered CD
Issued by an FDIC-insured bank but sold by a brokerage. If early withdrawal is required the brokerage may resell the CD at a profit or loss, depending on market conditions. 

CDARS CD
The CD is FDIC-insured by up to $50 million. CDARS distributes the funds among its bank members. Rates are generally lower than for the top non-CDARS CDs.

Jumbo CD
CD of over $100,000 (some banks use $99,000, $95,000 or $90,000).

Mini CD
CD of less than $100,000 (some banks use $99,000, $95,000 or $90,000).

Foreign currency CD
Some FDIC-insured US banks convert your US dollar deposit into one or more currencies and reconvert them back to US dollars at maturity. You may incur a profit or loss if the currencies appreciate or depreciate.
 

 


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