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Best CD rates thread. Updated on 11/27/2005
Insured by FDIC or NCUAInterest Checking accounts:
(APYs for balances below $50,000, APY treshold is 3.00%)- 4.03% - City National Bank of Taylor, Reward Checking Account (for balances up-to $25K) - Info page
- 4.02% - First National Bank in Cameron, Reward Checking Account - 10 check card transactions are required, for balances up-to $25K
- 4.01% - Cosmopolitan bank, The Cosmopolitan Checking Account (for balances above $25K, new money only)
- 4.00% - Presidential Bank, Internet Checking Plus (for balances up-to $25K, direct deposit is required) - Info page
- 3.80% - First Community Bank, Net Checking (for balances above $35K, 3.35% for balances between $1K and $35K)
- 3.77% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
- 3.50% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
- 3.30% - Independence Community Bank, RewardsPlus Checking (for balances above $15K)
- 3.20% - Everbank, FreeNet checking (for balances between $25K and $50K) - Info page, BONUS!!!
- 3.15% - Bank of Internet, Freedom Checking (for balances up-to $25K) - Info page
- 3.01% - Iberville Bank, Free checking (10 debit card transactions per month is required)
- 3.00% - PCBanker, eChecking - (for balances below $10K, min. balance to avoid a fee is $1K) - Info page, BONUS!!!
- 3.00% - AmTrust, Titanium Checking (10K balance is required to get the rate)
- 3.00% - eBank, ePremium Checking ($2,500 min. daily balance or $5,000 average daily balance to avoid monthly fee)
Do you know a bank that offers an interest checking account with an APY above the current treshold (see above)? Please report it here.
Savings and Money Market accounts: (APYs for balances below $50,000, APY treshold is 3.35%)Regular rates4.50% - Superior Savings, Superior Money Market (for balances above $25K)4.25% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)4.15% - UmbrellaBank, Money Market account - (for balances above $1K, $1K min. balance is required to avoid a monthly fee)4.13% - Resource bank, eMoneyMarket4.12% - Presidential Bank, Premier Savings (for balances up-to $35K)4.10% - Giant Bank, MMA (for balances above $1K)4.08% - Assurance Partners Bank, Money Market Savings (for balances above $1000)4.05% - GMAC savings account ($500 balance to avoid a monthly fee) - Info page4.03% - Zions Bank, Internet MMA (for balances above $1K)4.01% - KeyDirect, Money Market ($25K is required to get the interest and avoid a monthly fee)4.01% - Cosmopolitan bank, Advantage Money Market (min. daily balance to avoid a fee is $10K, valid also for First Bank of Oak Park, Regency Savings Bank, Pullman Bank, Park National Bank)4.01% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).4.00% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers) - Info page4.00% - Bank of Oak Ridge, New Leaf Savings (a direct deposit/ACH credit is required to avoid a fee)4.00% - MyBankingBirect.com, New York Community Bank, More Money Market Account (min. initial deposit of $5K is required)4.00% - HSBC, Online Savings Account (no fees, no minimum balance)4.00% - Amboy Direct, Money Market Maximizer account (for balances above $30K)3.99% - North Community bank, High Yield Money Market (for balances above $10K)3.97% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)3.94% - First Business Bank (for all balances)3.95% - Avanta Bank, Money Market (for balances between $10K and $50K)3.94% - Hillcrest bank, Index Money Market (for balances between $25K and $50K)3.90% - Discover Financial (for balances between $25K and $50K)3.80% - UFB Direct, High Yield Money Market Savings (no minimums, no fees)3.78% - CNBT, Reward Savings (no min. balance, no fees, unlimited ATM withdrawals)3.75% - AmTrust, Money Market (for balances between $25K and $50K)3.75% - Capital One, High Yield Savings (no fees, no min. balance, free interbank transfers)3.75% - Access National Bank, Access Money Market (for balances above $25K)3.75% - Nexity Bank, Money Market (for balances above $1.00) - Info page3.75% - Advantage Money Market from Guaranty bank and Best Bank (for balances up-to $10K)3.69% - MBNA/Fool.com, Money Market - (for balances between $10k and $50K)3.67% - Transportation Alliance Bank, Regular SavingsAccount (for balances between $100 and $250K)3.65% - Quantum National Bank, Money Market-Premium3.65% - Stonebridge Bank, Money Market ($100 min. balance to avoid a monthly fee)3.61% - Sterling bank, Internet Money Market Account (for balances between $2,5K and $350K)3.55% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers) - Info page, $20 sign-up bonus and up-to $1,000 in referral bonuses.3.55% - Security State Savings Bank, SecurityAdvantageŽ Money Market Account (for balances between $5K and $95K)3.52% - California First National Bank, Money Market (for all balances)3.50% - ING Direct, Savings (no minimums, no fees, free interbank transfers) - Info page3.50% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!3.50% - Countrywide Bank (for balances between $1K and $50K)3.40% - Everbank, Money Market - Info page,3.35% - Wilmington Trust, Savings (no minimums, no fees)Promotional and special rates- 4.50% - National City, Preferred Money Market Savings ? ($10K min. balance, guaranteed for 6 months)
- 4.10% - Bank of Oak Ridge, Liberty Savings (min deposit of $25,000is required. The rate is quaranteed for 6 month)
- 4.02% - Captial One, Costco Executive Money Market rate (for balances above $100, Costco Executive Members only) + $25 BONUS.
- 4.00% - Eastern Bank, Maximum Money Market (for balances of $10,000 or more)
- 3.50% - Salem Five, no penalty 9 month CD (min. balance to get the rate is 10,000, expires 11/08/05)
- 3.50% - First Morris, Platinum checking (rate is guaranteed for three months)
Do you know a bank that offers a savings or money market account with an APY above the current treshold (see above)? Please report it
here.
Not insured by FDIC or NCUA