TD offers a basic certificate of deposit package with a 9 month term at a 0.75% annual percentage yield (APY).  This account requires a $250 minimum deposit to open and maintain, has no fees, and is also available as an IRA.  Some local TD branches also have specific terms and CD rates at TD Bank.

An interesting No Catch offer is made in two terms with a $250 minimum deposit.  This CD allows one penalty-free withdrawal during the term, though minimum maintenance deposits do apply.  For this, a six month term gives a 0.45% APY while a 12 month term gives a 0.40% APY.

The most popular CD rates at TD Bank are probably their Step Rate CDs.  These also have a $250 minimum deposit requirement, but the CD rates at TD Bank for these certificates rise over time.  A 3 year term gives an average of 1.08% APY, starting at 0.90% APY for year 1, rising to 1.09% APY in year 2 and then again to 1.24% APY in year 3.

A 5 year term gives average CD rates of 1.80% APY starting at 0.75% APY for the first year, going to 1.00% APY in year 2, 1.74% APY in year 3, 2.23% APY for year four and then 3.20% APY for the final year.

Many of these offers are competitive nationally.  All TD Bank accounts are fully insured with the FDIC as required by law.

Allstate Bank works with Allstate Insurance Company and Allstate Financial Group to bring innovative products and services to the marketplace. At present, Allstate Bank offers a variety of short term and long term regular CDs to help you find a product that achieves your financial goals. Their IRA CDs carry the same benefits as their regular CDs but include tax benefits. In a Traditional IRA, your money grows tax-deferred. In a Roth IRAs, it grows tax free.

For regular CDs and IRAs, there is a minimum $1000 required to open for personal accounts; $10,000 minimum deposit for non-personal accounts. There are no additional deposits allowed until maturity but you can withdraw monthly interest without penalty. Renewal is automatic and there is a 14-day grace period to make changes and or add funds to your account.

The 30 days CD has an APY of 0.50%. The 90 days CD has an APY of 0.75%. The 6 months CD has an APY of 0.90%. The 1 year CD has an APY of 1.30%. The 2 years CD has an APY of 1.45%. The 3 years CD has an APY of 1.75%. The 5 years CD has an APY of 2.40%. Interest is compounded daily and credited monthly. These CD rates are current from their website 2/2/2010.

Contact a local Allstate agent or visit their website for more details on Allstate CD rates.

Rates are fixed for the term and they have tiered rates based on deposited funds. Interest is compounded daily for CDs less than $100,000. There is a simple interest on collected balances for CDs $100,000 or more.

For 7 days to 31 days CDs, the minimum to open is $2500 for terms 7-31 days and $1000 for terms over 31 days. There are no monthly fees and the CD automatically renews. A grace period at renewal is given which will allow you to negotiate term, rate, or adjust account balance. This CD may also be pledged as loan collateral.

For the Home Saver CD, the minimum to open is $100 for a term of 36 months. For the Add-On CD, the minimum to open is also $100 but for a term of 12 months only. Both CDs require an automatic deposit of $50 or more per month from a BB&T checking or savings account. An additional deposit of $50 or more may be made at the branch, through BB&T Online Banking, or through BB&T Phone24 once a month. The interest will accrue on all additional deposits at the same rate and APY as the original deposit. You can withdraw the entire principal amount on a Home Saver CD anytime without penalty if the funds are used to buy a home. Any withdrawn funds must have been on deposit for at least 7 days and no other withdrawals may have been made in the preceding 8 days. The interest earned during the 12 month term of an Add-On CD may be withdrawn at any time without penalty.

There is also the College Saver CD, Can’t Lose CD, Stepped Rate CD, and Treasury CD. However, their CD rates do not appear on their website and are only disclosed upon opening a CD. The CD calculator in their website that shows an interest rate of 2.00% with an APY of 2.018% is just an estimate and may not reflect the actual rate of a chosen CD.

It is best to apply in person or send them an email through their website for your BB&T CD rates.

Current CD rates depend on market conditions and other factors of the financial industry, including regulatory interventions. CD rates are generally following a moderate pattern although there are frequent fluctuations between these rates. For a 1-year investment, current cd rates for 2010 are as under.

For 5-year CDs, APY are always the highest as this is the standard long term investment. Although seven and 10 year investment options are also available but customers generally opt for the five year option. Capital One Direct Banking is currently the highest APY of 3.25% for a minimum deposit of $5,000. Discover Bank offers the same APY but has a lower requirement of minimum deposit at $2,500.  Ally Bank offers an APY of 3.10% and does not have any minimum deposit requirements.

For 3-year investments, Discover Bank offers the best APY of 2.50% with a minimum deposit of $2,500. Ally Bank offers an APY of 2.49% and does not have any minimum deposit requirements. Aurora Bank, FSB offers an APY of 2.42% with a minimum deposit requirement of $1,000.

For one year term of investment, Colorado Federal Savings Bank is offering the highest APY for a minimum investment of $5,000. It is offering an APY of 2.00% at this investment. Charlotte, North Carolina-based newdominionDIRECT.com is second with an APY of 1.92%. It requires a minimum investment of $3,000. Ascencia, a division of PBI Bank offers current bank CD rates at an APY of 1.91% at a minimum investment of $500.

The Susquehanna Access CD (No penalty CD) is a 12 month term that requires a minimum opening deposit $5000. If a $5000 minimum deposit is made, it has an interest rate of 0.75% with an APY of 0.75%. If the minimum deposit of $50,000 is made, the interest rate is 0.80% with an APY of 0.80%.

Their 7 to 90 day Fixed Rate CD has a minimum opening deposit of $20,000. For the 7 to 31 Day Fixed Rate CD, if the minimum deposit is $20,000, it has an interest rate of 0.15% with an APY of 0.15%. For the 32 to 90 Day Fixed Rate CD, if the minimum deposits is $20,000, it has an interest rate of 0.25% with an APY of 0.25%.

The 3 to 5 month Fixed Rate CD requires a minimum opening deposit is $2,500. It has an interest rate of 0.45% with an APY of 0.45%.

The 6 to 11 month Fixed Rate CD requires a minimum opening deposit is $1,000. It has an interest rate of 0.65% with an APY of 0.65%.

The 12 to 120 month Fixed Rate CD requires a minimum opening deposit and is $500. The 12 to 17 month CD has an interest rate of 0.80% with an APY of 0.80%. The 24 to 35 month CD has an interest rate of 1.19% with an APY of 1.20%. The 60 to 71 month CD has an interest rate of 1.69% with an APY of 1.70%. The 120 month CD has an interest rate of 2.28% with an APY of 2.30%.    

Susquehanna’s CD rates depend on the balance tiers they have posted in their website. These rates are effective as of 1/18/2010 but may change without prior notice.

Find out more about other available Susquehanna Bank CD rates by visiting their website.

Currently, CD rates at Washington Mutual are split into two categories: traditional and online. Of the two, the Online Accounts produce better Washington Mutual CD rates, so we’ll focus on those.

Rates cover from 6 months to 60 months and all terms require a $1,000 minimum deposit. For the six month term, WaMu CD rates are 1.25% annual percentage yield (APY), but that goes up to 1.50% APY for eight months. On year terms yield Washington Mutual CD rates of 1.75% APY and 60 months yield 2.50% APY.

Any Online account for Washington Mutual CD rates can be opened by phone or on the Internet and include online management and statements.

Of course, all WaMu CD rates are subject to change and CD rates at Washington Mutual are subjective by location. All Washington Mutual accounts are insured by the FDIC to the fullest extent of the law.

We feel that if you’re looking for local banking combined with your certificate of deposit, then Washington Mutual CD rates might be for you.

Bank CDs are among the safest investments today. Therefore if you live in the Philadelphia area, you might be interested in finding the high CD rates in Philadelphia.  Hopefully you will enjoy this article devoted to discuss the top two Pennsylvania CD rates – TD Bank in Philadelphia and Beneficial Bank.

CD Rates at TD Bank

As of March 25, the first on the list of top Philadelphia certificates of deposits is TD Bank. TD Bank has the highest bank CD rates in Philadelphia for its 12 month CD and its 36 month CD.  With a minimum deposit of $500, TD Bank is offering 1.73% CD interest rates with a 1.75% APY.  In three year certificate of deposit, the CD interest rate is elevated to 2.47% with 2.50% APY.

For those of you not familiar with TD Bank.  It is an American bank holding corporation offering services such as insurance, banking, brokerage and investment banking. With its commitment to public service, it has branches in Maryland, New Jersey, Delaware, New York, New England, Washington, Virginia, Florida and Pennsylvania, with its headquarters in Cherry Hill, New Jersey and Portland, Maine.

CD Rates at Beneficial Bank

After TD Bank, the next highest CD rates in Philadelphia are offered by Beneficial Bank. Beneficial Bank CD rates are almost as good as TD Bank.  It prided itself being the oldest and largest bank in Philadelphia; it has over seventy branches to offer financial services to its clients such as personal and business accounts and mortgages.

Beneficial Bank One Year and Three Year CD Rates

Both for one and three year CD rates, Beneficial bank offers uniform CD Rates with 1.73% at 1.75%  APY. The minimum requirement for deposit is also pegged at $500.

For further details on Philadelphia CD rates, you can visit the TD Bank official website and the Beneficial Bank official website, at www.tdbanknorth.com and www.thebeneficial.com.

California CD rates as well as the nationally-available rates we list here assume a 1-year term complying with any rules required (such as attached savings, checking, etc., which is uncommon). Minimum deposits required will be listed as well. All rates are annual percentage yield (APY) numbers.

For a California CD, the best rate is currently First Federal Bank of California with an APY of 2.45% and a $500 minimum deposit, while La Jolla Bank has a 2.35% CD rates California with a minimum deposit of $10,000.

Nationally, GMAC Bank (Utah) delivers an APY of 2.85% versus the best California CD rates. Corus Bank (Illinois) is yielding 2.81% APY with a $10,000 deposit.

Overall, California CD rates are lower than those available nationally, largely because average yields for CD rates California dipped a basis point (1/100%) and have been doing so regularly. For example, the average California CD rates today are 1.53% while six months ago they were 3.19% APY.

As always, CD rates California or anywhere else are subject to change and should be watched closely if you wish to get the best rate available. Not every CD is a good investment, of course, and California CD rates could change tomorrow or next week without notice.

Countrywide interest rates come in many flavors, depending on your opening balance and term length. The Countrywide CD rates begin at a 3 month term and go all the way to 84 months. The downright best rate is at 48 months, however.

For that 48 month term, Countrywide CD rates are at 3.00% annual percentage yield (APY) with a $10,000 or more deposit. These Countrywide CD interest rates can be had on an IRA CD if needed.

For shorter-term Countrywide CD rates, the best is the 12 month (1 year) 2.25% APY with $10,000 or more deposited. A close 2.10% APY on the 7-month term should also be considered for short-term Countrywide CD rates (same minimum deposit).

In addition, Countrywide CD interest of 2.01% APY on the 9-month and 2.10% APY on the 18 month terms are also available if you’d prefer those time frames. Again with $10,000 minimum deposit funds.

Of course, Countrywide interest rates can change at any time, so check with your local branch or online before opening for Country CD interest. All Countrywide accounts are FDIC insured to the extent of the law.

Since we know that your goal is not only to include safe investments in your portfolio, but also to maximize your investments, we here at High CD Rates Info are continually looking for the highest IRA CD rates we can find for you.

For this update, we’ll bring you the latest IRA CD offers with high yields on a one year term. All of these are available nationally either online or at a local branch of the national bank.

The best right now is GMAC Bank (Utah), which is offering 2.85% annual percentage yield (APY) with a $500 minimum deposit.

Corus Bank (Illinois) has a competitive 2.81% APY with a minimum deposit $10,000 deposit.

UmbrellaBank.com (Alabama) has a 2.75% APY with a minimum deposit of $1,000.

As you can see, you don’t have to sacrifice your yield returns on your IRA if you look for the highest IRA CD rates before investing. Rates change regularly, of course, and today’s best IRA CD rates may not be the best IRA CD rates tomorrow. Of course, an IRA CD investment is not for everyone.