High CD Rates

The BB&T CD rates offer total investment flexibility. Branch Banking and Trust have both regular term CDs with terms from 7 days to 60 months, as well as a number of other CDs designed to help you meet specific investment goals.

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 Any withdrawn funds must have been on deposit for at least 7 days and no other withdrawals may have been made in the preceding 8 days. The interest earned during the 12 month term of an Add-On CD may be withdrawn at any time without penalty.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.

Here at High CD Rates Info, we’re looking at the best bank rates available for 2010, right now.

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 Bank CD rates offer competitive options designed to help you achieve your financial goals. Susquehanna is a regional financial services holding company with assets of approximately $14 billion. It includes a commercial bank that provides financial services at more than 220 office locations throughout Pennsylvania, Maryland, New Jersey, and West Virginia.

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.

We here at High CD Rates Info realized that we haven’t looked at Citibank CD rates before and knew that you would want to see what they have to offer.  Especially for some of the short-term CD rates at Citibank.

There are several offers for terms under one year in duration and for the rates we’re quoting here, we’re assuming a deposit above the $500 minimum required and below the $10,000 threshold.  Since Citibank CD rates are tiered by deposit amount, higher deposits may mean higher Citi CD rates (annual percentage yields).

For a 3-month term, Citibank CD rates are 0.50% APY, they’re 0.75% APY for 4 months, and 1.01% APY for 5, 6, and 7 month terms.  A special 8-month term gives a 1.20% APY, which is extremely competitive.  9 months yields 1.15% APY, which is also very good in today’s market.  10 months gives 1.01% APY.

Going to a full year means a huge jump to 1.50% APY on your deposit, which is one of the better CD rates at Citibank.  Going longer-term can yield higher rates, of course.

The 18 month, for instance, trumps the Citibank CD rates all the way up to four years with a good 2.25% APY.  2 years to 4 years yields an OK 1.75% APY Citi CD rates.  The five year is nationally competitive at 3.00% APY.

Overall, there are some good CD rates at Citibank that are definitely worth checking out.  All Citi accounts are FDIC insured, of course.  Rates change quickly, so if any of these Citi CD rates appeal to you, make sure to lock yours in now.

It’s been a little while since we here at High CD Rates Info had a look at the latest in Chase CD rates.  In the couple of months since we last reviewed them, there have been some changes, so let’s look at the latest info in specials, short-term, and other CD rates at Chase.

There are six specials being offered right now, all with a $10,000 minimum deposit requirement and auto-renew for a similar term at regular rates before maturing.  Check your local branch for the availability of these Chase Bank CD rates.

For the shorter-term, the 7 month special rate is 1.01% annual percentage yield (APY) and the 13-month special is 1.25% APY.  This compares to the 0.25% APY on the 6-month and one year terms for normal Chase CD rates.

Similarly, the 18-month Chase Bank CD rates special rewards 1.50% APY (compared to 1.01% for the standard 18 month).  A 24-month special CD rates at Chase is 2.25% APY, more than double the 1.01% APY given on the 18, 24, and 36 month terms at regular Chase CD rates.

Finally, the 48-month and 60-month specials have a 2.50% and 3.00% APY (respectively).  Those are good CD rates at Chase for the longer term.

Of course, all Chase Bank accounts are FDIC insured to the fullest extent of the law.  Since rates, especially on specials, change often, make sure to lock in your Chase Bank CD rates now if any of them appeal to you.

We’ll make sure to check again in the near future and let you know if CD rates at Chase have changed again.

Washington Mutual Bank is one of the largest banks in the nation, especially now that they’ve acquired Wachovia. For this reason, we at High CD Rates Info thought that we should look at what they have to offer for WaMu CD rates.

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.

If you are looking for the best Philadelphia CD rates, this is the article for you. This article highlights to top Philadelphia CD rates for both 12 month CDs and 36 month CDs.

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.

Since many of our readers are from California, we here at High CD Rates Info thought it pertinent to look at CD rates California for you. We will also compare them to national rates, however, so that you can decide for yourself which you’d prefer.

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.

For those looking for the best certificate of deposit rates available, what’s available in Countrywide CD rates must be considered. Here at High CD Rates Info, we take our job of finding the latest information seriously so you can stay up-to-date on the best offers at banks like Countrywide CD interest.

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.

If you’re looking at a way to include certificates of deposit into your IRA to build your future, you’ll want the highest-yield CD. After all, just because the CD is to be a “base” or the more conservative safety net for your retirement investment doesn’t mean that you shouldn’t have the best IRA CD rates you can get.

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.