12 month bank CD rates are 1.008 percent today, but you can find 12 month CD rates better than the national average CD rate. Right now, UFB Direct is paying the highest CD yield for a 12 month certificate of deposit, their current APY is 1.81 percent.

Looking for the highest CD rates? Search our CD rate tables for CD rates. Highest CD Rates.

Tennessee Commerce Bank and Discover Bank are also paying some of the best CD rates for a 12 month certificate of deposit rate. Both banks currently have a 12 month certificate of deposit yield of 1.70 percent.

Here is a list the best 12 month certificate of deposit rates in Tampa, Florida (FL):

CD Rates above the National Average Rate

UFB Direct  1.81% APY Min $8000
Tennessee Commerce Bank  1.70% APY Min $2500
Discover Bank  1.70% APY Min $2500
Giantbank.com  1.66% APY Min $2500
Ally Bank  1.65% APY Min $ 1
EverBank 1.62% APY Min $1500 1.62%
ING DIRECT  1.60% APY Min $ 1
AIG Bank  1.60% APY Min $2500
Nationwide Bank  1.60% APY Min $10,000
American Express Bank FSB  1.50% APY Min $ 1
Bank of Internet USA  1.40% APY Min $1000
Third Federal  1.40% APY Min $500
Allstate Bank  1.30% APY Min $1000
BancorpSouth  1.30% APY Min $1000  11 Month
PenFed 1.25% APY Min $1000 1.25%
First Internet Bank of IN  1.25% APY Min $1000
Colonial Bank  1.25% APY Min $500
Coastline FCU  1.25% APY Min $1000
HSBC Direct  1.25% APY Min $1000
BankDirect  1.11% APY Min $10,000
Ameriprise Bank FSB  1.05% APY Min $2500

CD Rates below the National Average Rate

E-LOAN.com  1.00% APY Min $10,000
Citibank  0.95% APY Min $10,000
AmTrust Bank/Ohio Savings  0.85% APY Min $10,000
Regions Bank  0.70% APY Min $1000
Bank of America  0.65% APY Min $10,000
SunTrust Bank  0.60% APY Min $10,000
Wachovia Bank  0.40% APY Min $10,000
Zions Bank  0.30% APY Min $1000
Chase  0.20% APY Min $10,000
Chase  0.20% APY Min $10,000
E*TRADE Bank  0.10% APY Min $1000

Looking for the bank CD rates? Find the highest CD rates here: Highest  CD Rates.

http://cdrates.monitorbankrates.com The average one year certificate of deposit rate is only 1.01 percent right now but CD rates will start heading higher sometime in 2010. The FOMC meets tomorrow and Thursday to decide the direction of interest rates.

The Fed is expected to keep the Fed fund rate in the targeted range of zero percent to one quarter percent for now but will raise rates later this year. When the Fed funds rate heads higher banks will finally start raising CD rates and savings account rates.

Looking for CD Rates? Find the best CD rates here. Highest CD Rates.

Here is a list of the top 25 bank CD rates in New York City.

UFB Direct  1.86% APY Min $8000     
Eastbank  1.75% APY Min $2500   
Discover Bank  1.75% APY Min $2500    
Giantbank.com  1.71% APY Min $2500      
Ally Bank  1.70% APY Min $ 1    
Nationwide Bank  1.70% APY Min $10000    
Maspeth Federal S&L  1.70% APY Min $1500     
Broadway National Bank  1.67% APY Min $500    
Bank of Internet USA  1.65% APY Min $1000     
First Central Savings Bank  1.65% APY Min $500   
ING DIRECT  1.60% APY Min $ 1    
AIG Bank  1.60% APY Min $2500
Tennessee Commerce Bank  1.60% APY Min $2500     
EverBank 1.56% APY Min $1500
American Express Bank FSB  1.50% APY Min $ 1
Bay Ridge Federal Credit Union  1.50% APY Min $500      
Marathon National Bank  1.50% APY Min $1000 
Bridgehampton National Bank  1.50% APY Min $1000    
Brooklyn FSB  1.50% APY Min $1000 1.50%
Ridgewood Savings Bank  1.35% APY Min $500  
Cross County Federal Savings  1.35% APY Min $500      
Great Eastern Bank  1.31% APY Min $2500  
Intervest National Bank  1.30% APY Min $2500    
Allstate Bank  1.30% APY Min $1000
Community Fed Svngs Bank  1.30% APY Min $500     

Find the highest bank CD rates here: Highest Bank CD Rates.

(http://cdrates.monitorbankrates.com) Guess what, average CD rates were down again this past week. The average 3 month CD rate is at 0.509 percent this week, down from last week’s average 3 month CD rate of 0.514 percent.

Looking for the highest CD Rates? Use our CD rate table to find the highest CD rates. Highest CD Rates

You can find CD rates higher than the national average rates. Using our bank CD rate tables, we found Eastbank is currently offering a 3 month certificate of deposit that has an annual percentage yield (APY) of 1.25 percent - more than double the national average 3 month CD rate.  

The average one year CD rate is 1.028 percent this week, down from last week’s average of 1.036 percent. The current average 18 month CD rate is 1.20 percent. You can also find 18 month CD rates higher than the national average. Right now, Bridgehampton National Bank is offering an 18 month CD that currently has an annual percentage yield of 2.07 percent.

Average CD Rates at Banks

• 3 month CD rates are at 0.509 percent this week, down from last week’s average rate of 0.514 percent.
• 6 month CD interest rates are at 0.753 percent, down from the prior week’s average rate of 0.758 percent.
• 12 month certificate of deposit rates are averaging 1.028 percent, down from the previous week’s average rate of 1.036 percent.
• 18 month CD rates are averaging 1.20 percent, down from last week’s average rate of 1.205 percent.
• 24 month rates are averaging 1.508 percent this week, down from the previous week’s average of 1.512 percent.
• 36 month CD interest rates are at 1.839 percent, down from the prior week’s average of 1.843 percent.
• 48 month CD rates are averaging 2.070 percent, down from last week’s average rate of 2.074 percent.
• 60 month certificate of deposits are averaging 2.357 percent, down from the prior week’s average rate of 2.360 percent.

Search for the highest bank CD rates in your zip code here: Search for the highest CD rates.

Two year certificate of deposit rates are only averaging 1.512 percent this week, but you can find two year CD rates and yields better than the national average rate. 

Right now Discover Bank and Nationwide Bank are both offering one of the highest CD rates for a two year CD, the current CD rate being offer by both banks is 2.18 percent with an APY of 2.20 percent.

We have compiled a list of the top 10 two year CD rates and CD yields in Houston, Texas. You can search for the best bank CD rates in your zip code by using our CD rate tables. Best Bank CD Rates

• UFB Direct 2.21% APY Min $8,000      
• Nationwide Bank 2.20% APY Min $10,000    
• Discover Bank 2.20% APY Min $2500      
• Ally Bank 2.15% APY Min $ 1    
• AIG Bank 2.15% APY Min $2,500      
• Giantbank.com 2.11% APY Min $2,500     
• EverBank 2.05% APY Min $1,500    
• Bank of Internet USA 2.00% APY Min $1,000     
• American Express Bank FSB 2.00% APY Min $ 1    
• Capital One Bank 2.00% APY Min $1,000     

The following banks are also offering a two year CD yield of 2.00%      

• Whitney National Bank  2.00% APY Min $1,000 
• EmigrantDirect.com  2.00% APY Min $1,000 

Search for the Highest CD rates at banks.

(http://cdrates.monitorbankrates.com) As we close out the year, 2009 CD rates  headed lower again this week over last. The average 12 month bank CD rate is at 1.051 percent this week, down from last week’s average 12 months CD rate of 1.057 percent.

Looking for the best CD Rates? Use our CD rate table to find the highest CD rates. CD Rate Table

Using our bank CD rate tables, we found ING Direct is currently offering a promotional 12 months certificate of deposit that has an annual percentage yield (APY) of 2.00 percent - almost double the national average rate.  That yield is also higher than ING Direct’s 60 month certificate of deposit yield of 1.75 percent.

The average two year CD rate isn’t much higher than the average one year CD. The current average two year CD rate is currently at 1.52 percent. You can also find two year CD rates higher than the national average. Right now, EastBank is offering a two year CD rate of 2.30 percent.

Average Bank CD Rates

Search for the highest bank CD rates in your zip code here: Search for the highest CD rates.

Check on savings accounts.