Best CD Rates, Certificate Of Deposit, Bank CD Rates

E-LOAN 1-year Bank CD Rate

E-Loan has a solid CD right now that’s pretty competitive with other banks online and offline. There is a 4.36% CD rate with only a minimum of $10,000 to deposit. You also get a $25 bonus when you put in the code “time25″. Thanks to Bankaholic and Patricia D on the tip.

There is not a specified amount of time left on this deal, but it looks like it lasted the weekend. If you are wanting to get an online certificate of deposit you might head on over to E-Loan and lock in your CD today.

If you have any tips on CD rates or money market account rates you would like to share with us, feel free to do so by using our contact form.

High Yielding Certificates of Deposit Warning

many investors who have taken a beating through the stock market or other types of investments with negative returns have been salivating over CD rates that are offered through Insurance agents and Brokers which appear to be legit. Some of these certificates of deposits are a dangerous investment though and have left some well short of satisfaction, and others with something they never bargained for.

How does it work? The first tactic used by Brokers or Agents is to advertise high-yield CDs to get you in the door, then try to sell you fixed annuities or other income investments. Something you don’t want right. What about that CD you saw an ad for which boasts over 6% in return? Be very careful, because many times what you saw was a misworded ad which offers you something that is not FDIC insured. Some will say the rate is promotional and then move you into something else that appears to be a CD but is not.

So always keep in mind. When you look at a high yielding CD and want to be safe about it, make sure you confirm that it is FDIC covered, and also that it truly is a Certificate of Deposit that is legit.

Community Bank of Nevada

If you are looking for some attractive short term CD rates, you might check with Community Bank of Nevada if you are in the area. They are offering some attractive rates.

Lets start with the shortest and work our way up the ladder.

3.50% APY with a 3 month term.
4.00% APY CD rate for a 6 month term
4.00% APY certificate of deposit at 9 months which is just the same as 6 month.
4.25% APY CD rate for a 12 month term.

If you don’t want to tie your money up for too long a period then you should look into opening a checking account with Community Bank of Nevada and consult with them on these currently tempting CD rates. Community Bank of Nevada is headquartered in Las Vegas Nevada and has 13 full service branches, nine of which are located in Las Vegas, as well as three in Henderson, and one located in Pahrump.

As always check with the bank first before you purchase your Bank Cd to be sure rates are current. This rate is good as of November 25th, 2008.

First Community Bank Of Ohio CD Rates

If you live in Ohio you have a great opportunity on getting a decent CD rate. Currently First Community Bank in Ohio is offering several certificate of deposits that are pretty competitive.

The first being a 5.00% APY for with a term of  36 to 60 months.

The second is a 4.75% APY CD at 24 and 30 month terms.

the third is a 4.25% APY certificate of deposit for an 18 month term.

The offers for these Ohio CD rates are good for residents located in the central part of Ohio. These areas include Columbus, Sedalia and Whitehall. You should call the bank or visit a location to confirm any details or questions you may have. These CD rates are good as of November 25th, 2008.

First Community Bank of Ohio has been operating since 1903 and has received favorable ratings as of current from Bankrate and several other prominent financial sites.

Best bank CD rates

Getting the best bank CD rates is what is our main focus. While we cover rates from bank by city and state we understand that some of you are looking for where to invest your money. That’s why we are now going to have this post dedicated to the best bank CD rates.

This list will include any bank that makes the cut. It really doesn’t matter if the bank is small or large, and will not be based on the actual stability of the bank, but rather on the cold hard fact of it being a good CD rate.

That means we will be monthly updating this page to let you know which USA banks that carry a legitimate certificate of deposit, actually have the best CD rates.

Key Bank CD rates

Taking a look at what Key bank has to offer in the way of certificate of deposits brings us to Key direct. This is just a subsidiary of Key Bank, and a simple move to allow people to just buy what they want. Especially in this market.

While Key Bank may not have the best CD rates in the market, they do make it quite easy to order online with their online banking and investing enrollment. They service up to 37 states, and it can all be done by phone if you don’t have a Key nearby.

Currently according to their website, they are showing for a Key Gold Money Market Savings account a 2% APY on anything from $.01 up to under $250k.

The Key Tiered Certificates of Deposit rates are 3.80% APY on any balances of $5000 to right under $50,000. With a 14 month term.

And lastly the Key IRA Tiered CD rates are 4.10% APY with a deposit of $5,000 to $49,999.99. With the term being 29 months.

Once again you should check with Key for their current CD rates to be accurate for any changes that may have been made past November 21st. Key Bank CD rates as I mentioned may not be the highest CD rates, but they are an alternative if you are looking at going with them.

Suntrust CD rates

Suntrust bank, an Atlanta based company currently holding $174.8 billion as of September 30, 2008 has some half decent CD rates if you are a member already or located near one of their many branches.

As of now based on their website I found that they are offering several different choices for CD rates. the first being a 13 month term for a traditional certificate of deposit and CD IRA currently showing at 3.75% APY with a minimum deposit of $2000 dollars or greater.

The second option that is also available is 2.60% 30-Month No-Penalty CD and CD IRA. Not the least bit tempting i would say. Especially since you are locked in for a decent period of time. However if stability and a fixed rate is what you are looking for, this may be the option you want to go.

These are the only 2 Suntrust CD rates (certificate of deposit) that I see publicly available as of right now. You might want to go in to a local branch of Suntrust just to check and see what you might be able to work out.

Bank of America CD rates

The most popular Bank of America CD that is probably advertised is the opt-up CD. Bank of America CD rates are not readily advertised on the site when I visited it, especially when it varies state to state. Basically you can get 2 different types of opt-up CDs. The first would be the Standard Opt Up CD account. This features a 30-month term opened in any amount from $10,000 up to $250,000. Bank of America is a very strong bank, so you may find their rates are not as competitive as some others who are more desperate for business.

The second option B of A offers is the Flexible Opt Up CD account. The great thing about this certificate of deposit is that you can have the option to increase your rate one time after six months, if interest rates rise during the term of the CD, with no fee or term extension at all.

As of today there is also a Bank of America high yield CD which I thought would be a high yield. Once again this only shows the stability of Bank of America with the low interest earned on this CD of its 7 month duration. The interest rate came out to 2.47% with an APY of 2.50.

If you are looking for a CD with a bank that has a great history, Bank of America definitely has the stability you might be looking for, with banks nationwide they are an easily accessible bank for just about everyone.

Certificate of deposit rates

The best Certificate of deposit rates also known as CD rates for short are continuing to take a beating. Since many of you are looking for the most up to date news on Certificate of deposit rates and the best cd rates, I have decided to add a widget to MoneyOneFinancial.com, that should allow you to scroll through the latest updating news.

The widget will provide information on bank deals and upcoming bank rates on multiple financial institutions. Remember to always check with your bank or Credit Union to confirm what the current CD (certificate of deposit) rates are for them. Our goal is to help improve your investing experience. We truly hope that we have and will continue to help you to make an informed decision on a certificate of deposit that is worth it either over a short period or a long period of time.

Below are some of the best CD rates that we have currently found as of the date of November 17th, and are not meant to be taken as a definite rate for your area since there are variations in bank rates depending on where you live. This is merely a guide, and rates are always being updated, so please confirm with your bank or a professional banker first before making decisions based on these rates.

Alabama State Employees Credit Union CD Rates

One of the oldest of all credit unions, and financial institutions for that matter is Alabama State Employees Credit Union which was founded in 1954. Particularly for membership of those living in and around the Montgomery area, and other surrounding counties, it is one of the most reliable and stable.

In 2001 Alabama State Employees Credit Union received the grant of Community Charter. This has opened up many more services for the members of the Credit Union as it continues to flourish.

For those to qualify to not only bank with Alabama State Employees Credit Union, but also receive the CD rates (certificate of deposit) show below, you must work, live, go to school or attend for Worship in Montgomery, Autauga, Elmore, Bullock, Macon, Lowndes, Crenshaw, Pike or Butler. Opening a savings account is quite simple with just a minimum $25 dollar deposit. Below are the CD rates noted by us as of November 14th. You will need to check with the Credit Union on current rates just to be sure.

6 Month CD earns you 3.55% interest, 3.60% APY.
1 Year CD earns you 3.60% interest, 3.65% APY.
2 Years CD earns you 3.65% interest, 3.70% APY.
3 Years CD earns you 3.70% interest, 3.75% APY.
4 Years CD earns you 3.75% interest, 3.80% APY.