Highest CD Rates – Update 9/22/09 1-year: 2.15% APY (3-Star) 18-months:2.30% APY (1-Star) 2-year: 2.53% APY, 1xBump (2-Star) 3-year: 3.00% APY (2-Star) 5-year: 3.70% APY (4-Star) Although the talking heads keep pushing that the economy is recovering I think the millions of jobless, may disagree. The talking heads are focused on profit. So if a [Read More…]

Updated 10/08/2019 FDIC# 29147. 1-year CD at 2.25% APY Their stats look healthy and the rating system we use gives them 5-stars. FDIC# 29147 Stats Updated: 12/18 Star Rating: 5 (*****) Assets: $860.6MM Equity: $116.9MM Capital Ratio: 13.44% Profits(loss): $12.6MM Phone#:(866) 287-7500 Address: 325 Hamiliton AveWhite Plains, NY 10601 Website: https://www.necb.com Visit their website to [Read More…]

Today the 30-year treasury bond dropped to below 3% (2.95%) for the first time in history. The Fed is also poised to lower the target rate for Fed Funds to 0.5%. Some think they might even go lower, but I think they want to leave room for another cut if the economy doesn’t start improving. [Read More…]

CD Rates on terms of 2-years or less have been trending down. For about a week after the last rate cut, there wasn’t much movement. However, as it looks like the Fed Funds will remain low for sometime and some have predicted it may even go to 0.5%, the CD Rates have been going down. [Read More…]

(Update 3/2009)–IndyMac Federal Bank was acquired after government financial assistance and subsequently operated as part of OneWest Bank, FSB (58978). For more information visit the FDIC page. Select “Generate history” for a full history by date. (Update 7/14/08 6:40 AM PST)— IndyMac Federal Bank, FSB is the new name. The website has a link to [Read More…]

We update our Compare CD Rates page weekly. This is useful for folks who are looking for free rate information and /or don’t meet our $50,000 minimum. We don’t work directly with the institutions listed, but they should all be available nationwide. Please Contact us if you run into any problems. I don’t want to [Read More…]

Almost everyone expects the Fed to Lower rates. Most of the debate is how far. A 50 Basis Point Cut or 0.5% seems that it may give the economy the boost it needs. MoneyCafe has a nice historical graph on the Fed Funds Rate.

Updated 3/26/2020 OnPoint Community Credit Union has a 12-month Certificate of Deposit @ 2.00%. The minimum deposit is $50K for this Bundle Rewards CD. It has been quite some time since we looked at their rates. We don’t expect the rates will return to 5.25% anytime soon. CD’s are federally insured up to $250,000.00. See [Read More…]

Update 3/26/2020: Golden One Credit Union’s 5-year CD rate is currently 2.00%. Visit our current CD Rate Page to see how this compares to other institutions. Update: 08/29/2018 — Golden One Credit Union’s 5-year CD rate is currently 1.74%. DepositAccounts.com gives them an “A” rating and provides current reviews. Update: 04/18/2012 — This rate from [Read More…]

Update 3/26/2020 EarthMover Credit Union review. They are NOT federally insured by the NCUA however, they carry private insurance through American Share Insurance. You can check the health of the credit union on the website. They have an “A” health rating from DepositAccounts.com Their website indicates membership is open to: If you live or work [Read More…]