Evergreen Bank headquartered in Oak Brook, Illinois, is advertising some of the highest CD rates currently available right now. Evergreen Bank is advertising certificates of deposit with terms between 3 months and 5 years.  Evergreen Bank Group’s certificate of deposit rates are also higher than the national average CD rates.  The minimum opening CD account balance is $1,000.

Evergreen Bank Group’s highest CD rate is on their 60 month certificate of deposit. The current 5 year bank CD rate is 3.01 percent with an annual percentage yield (APY) of 3.05 percent. That CD rate is one of the best CD rates available at any bank or credit union.

Evergreen Bank Group’s shorter term certificates of deposit are also some of the best CD rates currently available. The bank’s shortest term certificate of deposit, their 3 month CD, currently has a CD rate of 0.70 percent with an APY of 0.70 percent. 5 month CD rates are even higher. The current 5 month CD rate is 0.90 percent with an APY of 0.90 percent.

Evergreen Bank Group is also a member of the Certificate of Deposit Account Registry Service (CDARS) which allows you to have up to $50 million in FDIC insurance protection when invest using CDARS.

Evergreen Bank CD Rates

• 3 month CD Rates 0.70% APY 0.70%
• 5 month CD Rates 0.90% APY .90%
• 6 month CD Interest Rates 1.00% APY 1.00%
• 12 month Bank CD Rates 1.29% APY 1.30%
• 15 month CD Rate 1.49% APY 1.50%
• 18 month CD Interest Rate 1.69% APY 1.70%
• 24 month CD Rate 1.88% APY 1.90%
• 30 month CD Rates 1.98% APY  2.00%
• 36 month CD Rates 2.37% APY 2.40%
• 48 month Bank CD Rate 2.86% APY 2.90%
• 60 month Bank CD Interest Rates 3.01% APY 3.05%

CD interest rates change constantly. For a list of current CD rates and more information about Evergreen Bank Group visit: Evergreenbankgroup.com

Emigrant Bank’s EmigrantDirect.com is offering some very competitive CD rates. Emigrant Direct is the online banking arm of Emigrant Bank which is headquartered in New York. The bank’s online CD rates are not only competitive with other bank CD rates and credit union CD rates they are also higher than the national average CD rates. The minimum opening deposit for all certificates of deposit is $1,000.

EmigrantDirect’s “My Way” certificates of deposit between 16 months and 40 months earn APY of 1.50%. Longer term certificates of deposit earn an even better CD rate and CD yield. Certificates of deposit between 41 months to 59 months earn an APY of 2.00 percent.

Even longer term CD rates at the bank earn higher rates and yields. Current 5 year certificates of deposit to 10 year certificates of deposit earn an annual percentage yield (APY) of 2.50%. Since CD rates are so low right now we wouldn’t recommend investing in certificates of deposit with terms that long.

CD accounts at Emigrant Bank and Emigrant Direct are insured by the Federal Deposit Insurance protection for up to $250,000 per account.

For more information on Emigrant Bank, Emigrant Direct and a list of the bank’s current CD interest rates go to EmigrantDirect.com.

Mutual Security Credit Union (MSCU) based in Connecticut is offering two Starter Certificates of Deposit, a Youth Certificate of Deposit, IRA Certificates of Deposit and their Regular Certificatges of Deposit. Mutual Security Credit Union’s CD rates are competitive and are better than the national average CD rates.

The Starter Certificates of Deposit are for designed to get you to start saving money and are available in terms of 18 months and 30 months. The current 30 month CD rate is 2.23 percent with an annual percentage yield of 2.25 percent. The current 18 month CD rate is 1.74 percent with an APY of 1.75 percent.

In order to receive the CD rate and CD yield on the Starter CDs you have to set a weekly direct deposit.  Since the certificate of deposit accounts are designed for people who are just starting savings money the maximum opening deposit is $100.  The minimum weekly direct deposit is $10 and the maximum is $50.

The current CD rate on the Youth Certificate of Deposit is 0.68 percent with an APY of 0.68 percent. The CD rate is variable which means the CD rate can change at anytime, unlike fixed CD rate accounts.

MSCU Regular CD Rates and CD Yields

• 90 Day CD Rates 0.25% APY 0.25%
• 6-11 Month CD Rates 0.40% APY 0.40%
• 12 Month CD Rates 0.65% APY 0.65%
• 18 Month CD Rates 1.14% APY 1.15%
• 24 Month CD Rates 1.09% APY 1.10%
• 36 Month CD Rates 1.54% APY 1.55%
• 48 Month CD Rates 1.93% APY 1.95%
• 60 Month CD Rates 2.32% APY 2.35%

MSCU IRA CD Rates and CD Yields

• 12 Month CD Rates 0.65% APY 0.65%
• 18 Month CD Rates 1.14% APY 1.15%
• 24 Month CD Rates 1.09% APY 1.10%
• 36 Month CD Rates 1.54% APY 1.55%
• 48 Month CD Rates 1.93% APY 1.95%
• 60 Month CD Rates 2.32% APY 2.35%

For information about joining MSCU and a list of the credit union’s current CD rates to go Mutal Security Credit Union.

Flagstar Direct is offering one of the highest 6 month bank CD rates currently available. Flagstar Direct’s current 6 month CD interest rate is 1.24 percent with an annual percentage yield of 1.25 percent. That 6 month CD rate is higher and almost double than the current national average 6 month CD rate of 0.63 percent.

For more information about Flagstar Direct’s 6 month CD rate visit: Flagstar Direct 6 month CD Yield of 1.25%.

CD Rates will be heading higher later this year or early next year so sticking with a shorter term certificate of deposit is the way to go. Flagstar Direct’s 6 month CD rate is also higher than most 12 month CD rates available.

Flagstar Direct’s is also offering one of the best 12 month CD interest rates available right now. The bank’s current 12 month bank CD rate is 1.54 percent with an APY of 1.55 percent.

For more information about Flagstar Direct’s 12 month CD rate visit: Flagstar Direct 12 month CD Yield of 1.55%.

Flagstar Direct is also offering a very competitive money market account rate of 1.06 percent for account balances of $0 to $99,999. Money market rates for account balances of $100,000 or more earn an APY of 1.20 percent.

EverBank headquartered in Jacksonville, Florida, is advertising some very competitive CD rates. EverBank is advertising four different types of certificates of deposit. The bank is offering Yield Pledge CDs, CDARS CDs, MarketSafe CDs and WorldCurrency CDs.

Find the best CD rates at banks and credit unions by searching our CD rate tables at CDRates.MonitorBankRates.com.

EverBank’s 3 month Yield Pledge CD rate is currently at 0.70 percent with an annual percentage yield of 0.70 percent. 12 month Yield Pledge CD rates are at 1.20 percent with an APY of 1.21 percent.

EverBank Yield Pledge CD Rates and APY

• 3 Month CD Rates 0.70% APY 0.70%
• 6 Month CD Rates 0.85% APY 0.85%
• 9 Month CD Rates 0.99% APY 0.99%
• 1 Year CD Rates 1.20% APY 1.21%
• 1.5 Year CD Rates 1.35% APY 1.36%
• 2 Year CD Rates 1.70% APY 1.71%
• 2.5 Year CD Rates 1.90% APY 1.92%
• 3 Year CD Rates 1.90% APY 1.92%
• 4 Year CD Rates 1.99% APY 2.01%
• 5 Year CD Rates 2.76% APY 2.80%

The Certificate of Deposit Account Registry Service (CDARS) certificates of deposit are insured for up to $50 million by the Federal Deposit Insurance Corporation (FDIC). The minimum opening deposit for a CDARS CD at EverBank is $10,000. For more information on CDARS visit: CDARS.com

EverBank CDARS CD Rates and APY

• 3 month Bank CD Rates 0.24% APY 0.24%
• 6 month Bank CD Rates 0.46% APY 0.46%
• 1 year Bank CD Rates 0.81% APY 0.81%
• 2 year Bank CD Rates 1.07% APY 1.08%
• 3 year Bank CD Rates 1.44% Rate 1.45%

EverBank’s MarketSafe certificates of deposit are designed to keep your principal 100% safe (FDIC insured) but still have an opportunity to earn a higher rate than a traditional certificate of deposit. Your return will be based on the performance of a specific reference index.

EverBank’s WorldCurrency Certificates of Deposit give you the opportunity to earn a higher CD rate and benefit from the appreciation of currencies against the U.S. dollar. The dollar could also appreciate and cause you to lose some of your principal. 

More information about EverBank’s certificates of deposit and a list of the bank’s current CD interest rates can be found at everbank.com.

Credit Union of Ohio is advertising regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. Credit Union of Ohio is also advertising an Educational Growth certificate of deposit and a Bump Up certificate of deposit.

Searching for bank CD rates and credit union CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.

Credit Union of Ohio lowered their CD rates considerably since we last reported on their rates on April 23, 2010. The credit union certificate of deposit terms still range between 3 months and 5 years.

Educational Growth CD Rates

The credit union’s Educational Growth CD interest rate is currently at 3.50 percent with an APY of 3.55 percent. The Minimum balance required to open an Educational Growth Certificate is $200. The certificate matures on the child’s 18th birth date.

The credit union CD interest rate is Prime minus 2.95%. “Prime” is the “The Wall Street Journal Prime” rate published by The Wall Street Journal.  The APY will never go below 3.50% APY and will not exceed 8.50% APY.

Bump Up Certificate of Deposit

The Bump Up CD allows you to increase the CD interest rate to the prevailing interest rate at the time you “Bump Up” the CD. The current Bump Up CD rate for is 1.49 percent with an APY of 1.50 percent for both20 month Bump Up CDs and 30 month Bump Up CDs. The minimum balance required to open a Bump Up Certificate is $5,000 or $10,000.

When you exercise the bump-up option your dividend rate will adjust to the stated current rate at the time you exercise the option.  The maximum CD rate adjustment is 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.

CD Rates and IRA CD Rates

• 3 month CD Rates 0.55 % APY 0.55%
• 6 month CD Interest Rates 0.65% APY 0.65%
• 12 month Bank CD Rate 0.85% APY 0.85%
• 18 month CD Rate 1.15% APY 1.15%
• 24 month Bank CD Rate 1.49% APY 1.50%
• 36 month CD Interest Rate 1.74% APY 1.75%
• 48 month CD Rate Bank 2.72% APY 2.75%
• 60 month CD Rate Banks 2.97% APY 3.00%

For more information and current CD rates visit cuofohio.org. To compare CD rates from several banks and credit unions go to MonitorBankRates.com.

Capital One Direct Banking and Costco are advertising bank CD rates that are competitive with the national average CD rates. Capital One Direct Banking and Costco are advertising regular certificates of deposit and jumbo certificates of deposit. 

Certificates of deposit are available in terms of 18 months to 10 years. CD accounts are opened at Capital One Bank. Regular certificate of deposits have a minuimum opening balance of $5,000. Jumbo certificates of deposit have a minimum opening balance of $100,000.

Searching for the highest CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best bank CD rates and credit union CD rates.

There is also a Costco Member Incentive for opening a certificate of deposit account. By opening a Capital One Direct Banking account of any kind through Costco and depositing at least $5000 within 30 days of opening the account, you’ll receive $60 if you’re a Costco Executive Member or $20 if you’re a Gold Star or Business Member.

CD Rates and APY

• 18 months CD Rates 1.00% APY 1.01%
• 2 years bank CD Rate 1.29% APY 1.30%
• 30 months CD interest Rate 0.80% APY 0.80%
• 3 years CD Rates 1.93% APY 1.95%
• 4 years bank CD Rates 2.27% APY 2.30%
• 5 years CD interest Rates 2.71% APY 2.75%
• 7 years CD Rate at bank 3.00% APY 3.05%
• 10 years CD Rate at banks 3.25% APY 3.30%

Jumbo Bank CD Rates and APY

• 18 months CD Rate 1.00% APY 1.01%
• 2 years CD Rate 1.29% APY 1.30%
• 30 months CD Rate 0.80% APY 0.80%
• 3 years CD Rate 1.93% APY 1.95%
• 4 years CD Rate 2.27% APY 2.30%
• 5 years CD Rate 2.71% APY 2.75%
• 7 years CD Rate 3.00% APY 3.05%
• 10 years CD Rate 3.25% APY 3.30%

CD rates can change at anytime. For a current list of CD interest rates visit most recent list of CD rates, visit Capital One Costco CD Rates. To compare CD rates from several banks and credit unions go to MonitorBankRates.com.

Georgia Federal Credit Union is still advertising some of the best CD rates currently available in Georgia. Georgia Federal Credit Union’s highest CD rate is on their 5 year IRA certificate of deposit. The current 5 year IRA CD rate is 2.80 percent with an annual percentage yield (APY) of 2.84 percent. In addition to IRA CD rates Georgia Federal Credit Union is also advertising regular CD rates.

Searching for the best CD rates at credit unions and banks? Use our CD rates table at CDRates.MonitorBankRates.com to find the highest CD rates in your area.

Regular certificates of deposit range in terms of 91 days to 60 month. IRA certificates of deposit range in terms of 12 months to 60 months. The minimum opening deposit for all types of certificate of deposit accounts is $1,000.

Georgia Federal Credit Union’s 12 month CD rate is at 1.25 percent with an APY of 1.26%. That CD rate is one of the better CD rates currently available. Georgia Federal Credit Union’s 12 month CD rate is also higher than the current 12 month national average CD rate of 0.84 percent.

Georgia Federal Credit Union CD Rates and APY

• 3 Month CD Rates (91 Day) 0.45% APY 0.45%
• 6 Month CD Rates (182 Day) 0.90% APY 0.90%
• 1 Year CD Rates 1.25 APY 1.26%
• 2 Year CD Rates 1.85% APY 1.87%
• 4 Year CD Rates 2.45% APY 2.48%
• 5 Year CD Rates 2.75% APY 2.79%

Georgia Federal Credit Union IRA CD Rates and APY

• 1 Year CD Rate 1.25% APY 1.51%
• 2 Year CD Rate 1.85% APY 1.87%
• 4 Year CD Rate 2.45% APY 2.48%
• 5 Year CD Rate 2.80% APY 2.84%

A list of current CD interest rates and information about joining Georgia Federal Credit Union can be found at gfcuonline.org. To compare CD rates from several credit unions and banks go to MonitorBankRates.com.

First Florida Credit Union is advertising four promotional CD rates. The promotional CD rates are available for certificate of deposit terms of 5 months, 13 months, 22 months and 45 months. The current 5 month promotional CD rate is 0.78 percent with an APY of 0.78 percent. That rate is a lot higher than the current 6 month national average CD rate.

Looking for CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the highest CD rates in your area.

First Florida Credit Union is also advertising regular certificates of deposit that have terms ranging from 3 months to 5 years. Higher CD rates and CD yields are available for Executive Gold Club Members. The minimum opening deposit for regular certificates is $1,000.

The credit union lowered their CD rates .30 percent on average since we last reported on their rates.

First Florida Credit Union Promotional CD Rates and APY

• 5 Month Special CD Rates 0.78% APY 0.78%
• 13 Month Special CD Rates 1.31% APY 1.32%
• 22 Month Special CD Rates 1.70% APY 1.71%
• 45 Month Special CD Rates 2.18% APY 2.20%

Regular CD Rates and APY

• 3 Month CD Rates 0.59% APY 0.59%
• 6 Month CD Rates 0.89% APY 0.89%
• 12 Month CD Rates 1.28% Rate 1.99%
• 18 Month CD Interest Rates 1.28% Rate 1.29%
• 24 Month CD Rats 1.68% Rate 1.69%
• 30 Month CD Rates 1.68% Rate 1.69%
• 36 Month CD Rates 1.97% Rate 1.99%
• 48 Month CD Rates 2.17% Rate 2.19%
• 60 Month CD Rates 2.56% Rate 2.59%

Executive Gold Club Member CD Rates and APY

• 3 Month CD Rates 0.69% Rate 0.69% APY
• 6 Month CD Rates 0.99% Rate 0.99% APY
• 12 Month CD Rates 1.38% Rate 1.39% APY
• 18 Month CD Rates 1.38% Rate 1.39% APY
• 24 Month CD Rates 1.78% Rate 1.79% APY
• 30 Month CD Rates 1.78% Rate 1.79% APY
• 36 Month CD Rates 2.07% Rate 2.09% APY
• 48 Month CD Rates 2.27% Rate 2.29% APY
• 60 Month CD Rates 2.66% Rate 2.69% APY

CD interest rates change constantly, for a list of the credit union’s current CD rates and information about joining First Florida Credit Union visit firstflorida.org.

To compare CD rates from several different credit unions and banks go to MonitorBankRates.com.

CapitalSource Bank, headquartered in Los Angeles, California, is offering certificates of deposit with terms ranging between 3 months and 60 months. CapitalSource Bank lowered their CD rates since we last reported on their rates.

Find the best credit union CD rates and bank CD rates by searching our CD rate tables at CDRates.MonitorBankRates.com.

CapitalSource Bank’s 12 month promotional CD rate is 1.19 percent with an annual percentage yield of 1.20 percent. The 12 month promo CD rate was recently lowered from 1.49 percent and an annual percentage yield (APY) of 1.50 percent. That rate still beats the current national average 12 month CD rate of 0.96 percent. The rate is also better than most 12 month CD rates.  The promo rate is only available online with a minimum $25,000 deposit.

The bank’s 6 month ”Liquid Certificate of Deposit” currently has a CD rate of 0.65 percent with an APY of 0.65 percent for balances between $25,000 and $250,000. The CD rate and CD yield was recently lowered from 0.80 percent. What makes the certificate of deposit a Liquid CD is penalty free withdrawals are allowed 7 days after opening the account and if at least $25,000 remains on deposit.

CapitalSource Bank CD Rates

CD Rates for Account Balances of $10,000 or more

3 month Bank CD Rate 0.50% APY 0.50%
6 month Bank CD Rate 0.85% APY 0.85%
9 month Bank CD Rate 0.85% APY 0.85%
12 month Bank CD Rate 1.00% APY 1.01%
18 month Bank CD Rates 1.49% APY 1.50%
24 month Bank CD Rates 1.69% APY 1.70%
36 month Bank CD Rates 2.08% APY 2.10%
48 month Bank CD Rates 2.37% APY 2.40%
60 month Bank CD Rates 2.61% APY 2.65%

CD Rates for Account Balances of $1,000 to $9,999

3 month CD Rate 0.35% APY 0.35%
6 month CD Rate 0.70% APY 0.70%
9 month CD Rate 0.70% APY 0.70%
12 month CD Rate 0.85% APY 0.85%
18 month CD Rate 1.34% APY 1.35%
24 month CD Rate 1.54% APY 1.55%
36 month CD Rate 1.93% APY 1.95%
48 month CD Rate 2.23% APY 2.35%
60 month CD Rate 2.47% APY 2.50%

CD rates change constantly, for a list of CapitalSource Bank’s current CD rates go to capitalsourcebank.com.