Highest 180 Day CD Rates: Best Rate at 0.92 Percent October 15, 2012

Shorter term CD rates are very low and won't be moving higher anytime over the next three years. The current FDIC national average 6 month CD rate is a paltry 0.16 percent and Bankrate's national average 6 month CD rate is at 0.48 percent. Jumbo CD rates in the FDIC national average are also very low averaging 0.18 percent this week. Thankfully there are 180 day bank CD rates available that are much better than the national rates. 

The best CD rates on our 6 month certificate of deposit rate list are more than 5 times the FDIC national average. The best CD rate on our rate list is from Doral Bank at 0.92 percent with an APY of 0.92 percent. The minimum opening deposit for a certificate of deposit account at Doral Bank is $1,000.




Coming in with the second best rate on our national 6 month rate list are two banks. Giantbank.com and Colorado Federal Savings Bank are both offering 6 month CD interest rates at 0.80 percent with an APY of 0.80 percent. Giantbank.com has a minimum opening deposit of $2,500 and Colorado FSB has a minimum opening deposit of $5,000.

The third highest CD rate on our rate list is from Ascencia, a div. of PBI Bank. Current CD bank rates on 6 month certificates of deposit at Ascencia are going for 0.78 percent with an APY of 0.78 percent. The minimum opening deposit for a CD at Ascencia is only $500.

Best 180 Day CD Rates October 15, 2012



  • Doral Bank CD Rate 0.92% APY 0.92%

  • Giantbank.com CD Rate 0.80% APY 0.80%

  • Colorado FSB CD Rate 0.80% APY 0.80%

  • Ascencia, a div. of PBI Bank CD Rate 0.78% APY 0.78%

  • AloStar Bank of Commerce CD Rate 0.76% APY 0.76%

  • Ally Bank CD Rate 0.75% APY 0.75%

  • Able Banking CD Rate 0.75% APY 0.75%

  • Discover Bank CD Rate 0.75% APY 0.75%


CD interest rates change all the time so be sure to check our list to find the highest CD rates at banks today.
 
Author: Jason P. Jones
October 15th, 2012