Bank Deal Summary for November 25, 2006 read and submit comments for this post

This Thanksgiving week was a slow week for bank deals. CD rates continued to drop at several banks. It was the third week in a row in which E-LOAN's CD rates dropped (see post). For a $10K minimum balance, the CD rates now range from 5.20% to 5.10% APY.

I just noticed Washington Mutual is now offering online CDs called WaMu Direct CD. The best rate is 5.10% APY for 12-month term and 60-month terms. The rates are not the best, but they're better than what Bank of America offers for its online CDs.

The best CD deal that came up this week was at Agriculture FCU. They ended their 6.10% 16-month CD special, but on Tuesday, they began offering a 6.00% APY 60-month CD. The best 5-year CD yield listed at Bankrate.com is only 5.40% APY. I had been hoping to see 7% long-term CDs before the rates began to fall. But it looks like the rate peak for this cycle may have ended last July. Since the Fed ended its rate hikes, long-term CD rates have steadily declined. Seems like credit unions and small banks have been slower to cut long-term rates. So you still have a chance to lock in a 6% yield at Agriculture FCU. Please refer to this post for information on eligibility and the account opening process.

There were a few new local deals this week. Trustco of New York and Florida began a 5.75% 6-month CD special (see post). Merrill Lynch is offering a 5.65% APY 6-month CD (see post).

For those with small saving balances, there were a few new very high rate CD specials. Flagstar Bank in Georgia, Indiana and Michigan is offering a 10% APY 6-month CD with a deposit cap of $2.5K (see post). Those who live in the Miami area have a 6.99% APY 12-month CD available at Dade County FCU. It has a deposit cap of $5K (see post).

For a complete list of these recent local CD deals, refer to my local CD list below. Remember that many of these deals don't last long. Please check if the rate is still active at the bank or credit union's website. If you see that a deal has ended, a comment is much appreciated.

Thanks to all who have helped by leaving comments or sending emails on rate updates. Sorry I can't post on all of your suggestions.

The rates listed below are based on Annual Percentage Yield (APY). No minimum balances are required unless noted. MMA next to the rates indicate a money market account. Most MMAs have check writing and ATM cards. Online savings accounts usually lack both of these. The top lists include banks and credit unions with broad availability and with minimums around $10K or less. Previous weekly summaries are available for Nov 18th, Nov 11th, Nov 4th, Oct 28th, Oct 21th and Oct 14th.

As of November 25, 2006

Savings Accounts/Money Market Accounts:

• E-LOAN - 5.50% ($5K min), my post
• Superior Savings - 5.50% ($10K min), my post
• BankUnited - 5.35% (min $5K), my post
• GMAC Bank - 5.30% MMA (min $500), my post
• AmTrustDirect - 5.30% ($1K min), my post
• UFB Direct - 5.28%, my post
• Apple Bank - 5.27%, my post
• WTDirect - 5.26% ($10K min), my post
• AmboyDirect - 5.25%, my post ($25 bonus)
• OneUnited - 5.25% (min $10), my post
• Presidential - 5.25% (min $5K, only first $35K receives this rate), offers 4.50% checking, my post
• FirstFedDirect - 5.25% (min $1K) (closed to CA residents), my post
• Countrywide - 5.25% (min $10K), (5.30% $50K+) my post
• Zions Bank - 5.24% (min $1K) (5.34% $50K+), offers 3.05% free checking, my post
• UmbrellaBank.com - 5.10% MMA (min $1K) (5.15% $5K+), offers checking, my post
• MyBankingDirect - 5.10% MMA (min $5K), my post
• Mutual Bank - 5.10% MMA (min $5K), my post
• Corus Bank - 5.05% MMA (min $10K to open)
• Tennessee Commerce Bank - 5.05% (min $10K), my post
• EmigrantDirect - 5.05%, my post, (rate history)
• HSBC Direct - 5.05%, offers checking (see $25 bonus post), my post
• ETrade Bank - 5.05%, my post ($50 bonus)
• Discover Bank - 5.05% MMA (min $10K)
• CapitalOne/Costco - 5.01% MMA (min $5K, Costco members only, $25 deal for exec. members)
• Citibank - 5.00%, requires checking account, my post
• Washington Mutual - 5.00% (requires checking), my post
• CapitalOne - 4.80% (MMA has same rate, but with checks and ATM. $100 min.), my post
• Self-Help Credit Union - 4.68% MMA (min $500), my post
• VirtualBank - 4.60% (min $100), (4.86% $50K+/ 5.13% $100K+) offers checking, my post ($20 bonus)
• GE Money - 4.50% (min $4K), (5.05% for $15K+), my post ($25 bonus)
• MetLife Bank - 4.50% MMA (min $5K), my post ($50 bonus)
• EverBank - 4.41% ($1.5K min), 6.01% 3-mo promo, my post
• ING Direct - 4.40%, my post ($25 bonus), (rate history)
• Imperial Capital - 4.20% MMA ($2.5K min), offers free checking, my post
• ebank - 4.00% MMA ($1K min, rate for $10K-25K balance), offers checking
• NetBank - 3.61% MMA ($500 min), requires checking, my post ($250 deal)

3-Month Certificates of Deposit:

• EverBank - 6.01% ($1.5K min), checking account promo, see post
• VirtualBank - 5.56% (min $10K), my post
• World Savings - 5.51% (4 months) (min $10K), my post
• Imperial Capital - 5.50%, ($2K min), my post
• IndyMac Bank - 5.45% (min $5K), my post
• Countrywide - 5.30% (min $10K), my post
• FirstFedDirect - 5.26% (min $10K), my post
• GMAC Bank - 5.25% (min $500), my post
• UFB Direct - 5.25% (min $8K)
• Charles Schwab - 5.14% (min $1K), my post
• UmbrellaBank.com - 5.10% (min $1K)
• Corus Bank - 5.05% (min $10K)
• ebank - 5.00% (min $1K), 5.25% for ePremium checking customers
• ETrade Bank - 5.00% (min $1K), my post
• Self-Help Credit Union - 4.99% (min $500), my post

6-Month Certificates of Deposit:

• NASA FCU - 5.80% (7 months) (min $15K), my post
• Merrill Lynch - 5.65% (min $25K), my post
• Superior Savings - 5.60% (min $500)
• Imperial Capital - 5.55%, ($2K min), my post
• AmTrustDirect - 5.51% (min $1K) my post
• FirstFedDirect - 5.51% (min $10K), my post
• IndyMac Bank - 5.50% (min $5K), my post
• BankUnited - 5.50% ($1K min)
• Corus Bank - 5.45% (min $10K)
• World Savings - 5.40% (5 months) (min $10K), branch-only, my post
• Countrywide - 5.35% (min $10K), my post
• GMAC Bank - 5.35% (min $500), my post
• ETrade Bank - 5.30% (min $1K), my post
• UFB Direct - 5.30% (min $8K)
• Citibank - 5.25% (min $500), my post
• Self-Help Credit Union - 5.25% (min $500), my post
• NetBank - 5.25% (min $1K)
• EverBank - 5.25% ($1.5K min)
• EmigrantDirect - 5.20% (min $1K)
• UmbrellaBank.com - 5.20% (min $1K)
• E-LOAN - 5.20% ($10K min), my post
• ebank - 5.15% (min $1K), 5.40% for ePremium checking customers
• ING Direct - 5.00%, my post
• Wells Fargo - 4.90% (5 months) (min $5K), rate and min vary by state, my post
• MetLife Bank - 4.90% ($1K min)
• VirtualBank - 4.86% (min $10K), my post

9-Month Certificates of Deposit:

• Patelco Credit Union - 5.75% ($1K min) (8 months), not NCUA insured, my post
• FirstFedDirect - 5.55% (min $10K), my post
• AmTrustDirect - 5.51% (min $1K) my post
• Countrywide - 5.50% (min $10K), my post
• Imperial Capital - 5.40% ($2K min), my post
• VirtualBank - 5.39% (min $10K), my post
• UmbrellaBank.com - 5.35% (min $1K)
• GMAC Bank - 5.30% (min $500), my post
• IndyMac Bank - 5.25% (min $5K), my post
• EmigrantDirect - 5.20% (min $1K)
• EverBank - 5.15% ($1.5K min)
• ING Direct - 5.05%, my post
• Washington Mutual - 5.00% (min $1K)

12-Month Certificates of Deposit:

• GTE FCU - 5.64% (min $500) (add-on feature) my post
• FirstFedDirect - 5.64%, (min $10K) my post
• AmTrustDirect - 5.56% (min $1K) my post
• La Jolla Bank - 5.55% (min $10K), my post
• Digital CU - 5.50% (11 month) (min $1K), my post
• Corus Bank - 5.45% (min $10K)
• Transportation Alliance Bank - 5.42% ($1K min)
• UmbrellaBank.com - 5.40% (min $1K)
• Imperial Capital - 5.40% ($2K min), my post
• Mutual Bank - 5.35% (min $2.5K) my post
• Countrywide - 5.30% (min $10K)
• ETrade Bank - 5.30% (min $1K), my post
• IndyMac Bank - 5.30% (min $5K), my post
• GMAC Bank - 5.30% (min $500), my post
• NetBank - 5.30% (min $1K), my post ($100 bonus)
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• UFB Direct - 5.25% (min $8K)
• EverBank - 5.25% ($1.5K min)
• EmigrantDirect - 5.20% (min $1K)
• E-LOAN - 5.20% ($10K min), my post
• Self-Help Credit Union - 5.18% (min $500), my post
• ING Direct - 5.10%, my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• Melrose CU - 5.09% (min $5K) my post
• MetLife Bank - 5.00% ($1K min)
• VirtualBank - 4.60% (min $10K), my post

16-Month Certificates of Deposit:

• Digital CU - 6.00% (min $500), my post

18-Month Certificates of Deposit:

• Mutual Bank - 5.40% (min $5K) my post
• AmTrustDirect - 5.33% (min $1K) my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• GMAC Bank - 5.20% (min $500)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• ETrade Bank - 5.15% (min $1K), my post
• E-LOAN - 5.15% ($10K min), my post
• Imperial Capital - 5.10% ($2K min), my post
• Countrywide - 5.10% (min $10K)

36-Month Certificate of Deposit:

• Mutual Bank - 5.60% (min $5K) my post
• First State Bank - 5.50% ($1K min), my post
• Fort Belvoir FCU - 5.48% (min $1K), my post
• Transportation Alliance Bank - 5.41% ($1K min)
• Pentagon Federal CU - 5.31% (min $1K), my post
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• AmTrustDirect - 5.21% (min $1K) my post
• Melrose CU - 5.20% (min $5K) my post
• GMAC Bank - 5.15% (min $500)
• E-LOAN - 5.10% ($10K min), my post
• Washington Mutual - 5.00% (min $1K), rates vary by state
• ETrade Bank - 5.00% (min $1K), my post
• Imperial Capital - 5.00% ($2K min), my post
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.88% (min $500), my post

48-Month Certificate of Deposit:

• Fort Belvoir FCU - 5.59% (min $1K), my post
• First State Bank - 5.50% ($1K min), my post
• Transportation Alliance Bank - 5.40% ($1K min)
• USA FCU - 5.33% (min $1K) my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• Agriculture FCU - 5.25% (min $1K), my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• Melrose CU - 5.25% (min $5K) my post
• GMAC Bank - 5.15% (min $500)
• E-LOAN - 5.10% ($10K min), my post
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.86% (min $500), my post

60-Month Certificate of Deposit:

• Agriculture FCU - 6.00% (min $1K), my post
• Fort Belvoir FCU - 5.75% (min $1K), my post
• Navy FCU - 5.70% ($20K min) restrictions to membership, my post
• Members Credit Union - 5.59% (min $2K), my post
• First State Bank - 5.50% ($1K min), my post
• Transportation Alliance Bank - 5.39% ($1K min)
• Pentagon Federal CU - 5.32% (min $1K), my post
• Melrose CU - 5.30% (min $5K) my post
• AmTrustDirect - 5.27% (min $1K) my post
• ebank - 5.25% (min $1K), 5.50% for ePremium checking customers
• GMAC Bank - 5.15% (min $500)
• VirtualBank - 5.15% (min $10K), my post
• Washington Mutual - 5.10% (min $1K), rates vary by state
• E-LOAN - 5.10% ($10K min), my post
• Imperial Capital - 5.00% ($2K min), my post
• ETrade Bank - 5.00% (min $1K), my post
• Countrywide - 5.00% (min $10K)
• Self-Help Credit Union - 4.86% (min $500), my post

84-Month Certificate of Deposit:

• Navy FCU - 6.00% ($20K min) restrictions to membership, my post
• Pentagon Federal CU - 5.32% (min $1K), my post
• EmigrantDirect - 5.20% (min $1K)
• CapitalOne/Costco - 5.16% (min $5K, Costco members only)
• Countrywide - 5.00% (min $10K)

High Rates with Conditions - Open to All

• 10% Savings Account for kids ($500 max)
• 6.01% 3-month intro rate on checking account
• 6.00% 3-month intro rate on Money Market account
• 5.58% Money Market Account with $250K initial deposit
• 5.55% Money Market Account with $100K balance / 5.25% Business MMA
• 5.40% Money Market Account with $25K min
• 5.36% Money Market Account at Bank of America with $50K+
• 5.25% Money Market Account with $25K min

Checking and Saving Accounts at Local Banks/Credit Unions

• 6.00% Checking Account up to $25k (Arkansas)
• 5.50% Money Market Account for 3 months (New York)
• 5.25% Checking Account (Florida)
• 5.25% Money Market Account (Utah)
• 5.25% no-min online savings account and $50 Bonus (New York)
• 5.25% low-minimum online savings account (California)
• 5.15% Savings Account (Massachusetts)
• 5.11% Money Market Account (Wisconsin)
• 5.00% Money Market Account (Washington State)
• 5.10% savings account (Pennsylvania)
• 5.01% Checking Account (Wisconsin/Illinois)
• 4.75% Checking Account (Texas)

CD Specials at Local Credit Unions/Banks Over the Last Two Months

Terms of 60 Months and Over

• 6.67% 60-Month CD at a Ohio CU - $100K+ (Dayton Firefighters FCU)
• 6.37% 60-Month CD at a Maryland CU (MCT)
• 6.33% 60-Month CD at a North Carolina CU (Team and Wheel)
• 6.27% 60-Month CD at a New Jersey CU - IRA (Hamilton Horizons)
• 6.22% 60-Month CD at a California CU (Tucoemas)
• 6.20% 60-Month CD at a Massachusetts CU (Central One FCU)
• 6.17% 60-Month CD at a Washington State CU (Spokane City)
• 6.14% 60-Month CD at a Ohio CU (Cintel)
• 6.14% 120-Month CD at a Puerto Rico CU (VAPR)
• 6.01% 60-Month CD at a Texas CU (Texhillco)
• 6.00% 60-Month CD at a Ohio/Kentucky CU (Cinfed)
• 6.00% 60-Month CD at a Texas CU - IRA (Texas FCU)
• 6.00% 60-Month CD at a New Jersey CU (Paragon)
• 6.00% 84-Month CD at a Multi-State CU (Navy Federal)
• 5.98% 60-Month CD at a Texas CU (Coastal Community and Teachers)
• 5.90% 60-Month CD at a Michigan CU (Schools and Government)
• 5.90% 72-Month CD at a Missouri Bank (Garden City)
• 5.88% 60-Month CD at a Wyoming CU (First Education)
• 5.85% 60-Month CD at a New York Bank (First Central Savings)
• 5.83% 60-Month CD at a Arizona CU (Honeywell Aerospace)
• 5.82% 60-Month CD at a Texas CU (Austin Telco)
• 5.80% 72-Month CD at a Pennsylvania Bank (Armstrong County)
• 5.80% 60-Month CD at a MI/AL/MO CU (Service 1)
• 5.75% 60-Month CD at a Wisconsin Bank (Cashton)
• 5.75% 60-Month CD at a Florida CU (Bay Gulf)
• 5.75% 120-Month CD at a Pennsylvania CU (Diamond)
• 5.75% 60-Month CD at a Pennsylvania CU (Diamond)
• 5.75% 60-Month CD at a Georgia Bank (Piedmont)

Terms of 24 Months to Under 60 Months

• 6.98% 36-Month CD at a California Bank - Variable IRA (Alliance Bank)
• 6.66% 36-Month CD at a Virginia CU (Loudoun)
• 6.43% 36-Month CD at a Alabama CU (Energon)
• 6.25% 36-Month CD at a Illinois CU - Coverdell (First Northern)
• 6.17% 48-Month CD at a Maryland CU (MCT)
• 6.17% 36-Month CD at a Maryland Bank - $100K Min (CommerceFirst)
• 6.16% 14-Month CD at a Alabama CU (Energon)
• 6.14% 24-Month CD at a Missouri CU (Raytown-Lee Summit Community)
• 6.11% 24-Month CD at a California CU
• 6.11% 30-Month CD at a California CU (Tucoemas)
• 6.01% 30-Month CD at a Florida CU (SCORE FCU)
• 6.00% 24-Month CD at a New York CU - $50K Min (Palisades)
• 6.00% 36-Month CD at a Massachusetts CU (Central One FCU)
• 6.00% 40-Month CD at a Ohio CU (Glass City FCU)
• 6.00% 59-Month CD at a North Dakota CU (Town and Country)
• 5.88% 48-Month CD at a California CU (Butte)
• 5.85% 40-Month CD at a Michigan CU (Schools and Government)
• 5.82% 36-Month CD at a Ohio CU (Cintel)
• 5.75% 24-Month CD at a Texas CU (Texas Champions)
• 5.75% 36-Month CD at a North Dakota CU (Dakota Plains)
• 5.75% 48-Month CD at a New York CU (Countryside Community)
• 5.75% 36-Month CD at a Oregon CU (NW Preferred)
• 5.70% 30-Month CD at a Maryland Bank (Howard)

Terms of 12 Months to Under 24 Months

• 10.00% 12-Month CD at a Florida Bank - $1K Max (Atlantic Coast)
• 10.00% 12-Month CD at a New York CU - $2K Max (Palisades)
• 6.99% 12-Month CD at a Florida CU - $5K Max (Dade County)
• 6.70% 14-Month CD at a Louisiana CU (NAS JRB)
• 6.35% 15-Month CD at a California CU (Alisos)
• 6.14% 18-Month CD at a Wichita, Kansas CU (Campus Credit Union)
• 6.07% 13-Month CD at a LA Credit Union (Financial Partners)
• 6.05% 19-Month CD at a Minnesota CU - $100K Min (Star Choice)
• 6.00% 12-Month CD at a Texas CU (Dallas)
• 6.00% 12-Month CD at a Montana CU (Lincoln County)
• 6.00% 12-Month CD at a Dallas Bank - $125k min (ViewPoint)
• 6.00% 15-Month CD at a TX/CO Credit Union (Security Service)
• 6.00% 12-Month CD at a California CU (Ventura County)
• 6.00% 12-Month CD at a Missouri Bank (WestBridge)
• 6.00% 15-Month CD at a South Carolina CU (MCAS Beaufort)
• 6.00% 12-Month CD at a Dallas Bank - $125k min (ViewPoint)
• 6.00% 12-Month CD at a California/Nevada CU (1st United Services)
• 6.00% 15-Month CD at a Illinois CU (Northwest Community)
• 6.00% 13-Month CD at a Pennsylvania CU (Clearview)
• 6.00% 13-Month CD at a Washington State CU (Quimper Community)
• 5.97% 21-Month CD at a Massachusetts CU (NMTW)
• 5.95% 12-Month CD at a Georgia Bank (Patriot Bank)
• 5.92% 12-Month CD at a California CU (Kerns Schools)
• 5.92% 13-Month CD at a Tampa Florida CU
• 5.90% 23-Month CD at a Minnesota CU (Honeywell)
• 5.90% 12-Month CD at a Texas CU - $95K Min (Tarrant County)
• 5.88% 12-Month CD at a South Florida Bank (Sun American)
• 5.80% 12-Month CD at a Florida Bank (Freedom Bank)
• 5.75% 18-Month CD at a Miami CU (MPS)
• 5.75% 18-Month CD at a New York Bank (Park Avenue)
• 5.75% 12-Month CD at a California Credit Union (LA Times FCU)
• 5.75% 21-Month CD at a Indiana CU (Afena)
• 5.75% 12-Month CD at a Houston CU (Right Choice)
• 5.75% 12-Month CD at a North Dakota CU (Northern Tier)
• 5.75% 12-Month CD at a Georgia Bank (Piedmont)
• 5.75% 13-Month CD at a Ohio CU, plus $75 Checking Bonus (Telhio)
• 5.75% 14-Month CD at a Michigan CU (Priority Community)
• 5.70% 12-Month CD at a New York CU (Countryside Community)
• 5.65% 12-Month CD at a California Bank (Western Financial)

Terms of Under 12 Months

• 10.00% 6-Month CD at a Indiana/Michigan/Georgia Bank - $2.5K Max (Flagstar)
• 10.00% 7-Month CD at a North Carolina Bank - $2K Max (Oak Ridge)
• 10.00% 10-Month CD at a Philadelphia CU - $1K Max (American Heritage)
• 10.00% 10-Month CD at a Texas CU - $2.5K Max (Alamo FCU)
• 9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations)
• 8.30% 8-Month CD at a Arizona CU - $8K Max (Arizona Holsum)
• 7.55% 3-Month CD at a California CU - $50K Max (Health Associates)
• 7.00% 7-Month CD at a Houston CU - $7K Max (MemberSource)
• 6.35% 6-Month CD at a Virginia CU (Beach Municpal)
• 6.30% 11-Month CD at a Maryland/DC/Philly CU (FedChoice)
• 6.17% 6-Month CD at a Virginia CU (Martinsville DuPont)
• 6.15% 6-Month CD at a San Antonio, Texas CU
• 6.14% 6-Month CD at a Ohio CU (Maumee Valley)
• 6.11% 8-Month CD at a Florida CU (Kennedy Space Center)
• 6.03% 6-Month CD at a Oregon CU (Clackamas Community)
• 6.00% 7-Month CD at a Connecticut CU (Dutch Point)
• 6.00% 7-Month CD at a North Dakota CU (North Star)
• 6.00% 6-Month CD at a Ohio CU (Toledo Area)
• 6.00% 6-Month CD at a New Jersey CU (Atlantic Health)
• 6.00% 3-Month CD at a New York CU (Advantage)
• 6.00% 6-Month CD at a Michigan CU (Huron River Area)
• 6.00% 5-Month CD at a Arizona Bank (Arizona Bank and Trust)
• 6.00% 6-Month CD at a Illinois/New Jersey/Indiana CU (Selfreliance)
• 6.00% 3-Month CD at a California CU (Meriwest)
• 6.00% 6-Month CD at a Ohio CU (Sharefax)
• 6.00% 6-Month CD at a Nevada CU (Moapa Valley)
• 6.00% 3-Month CD at a Virginia CU (Apple FCU)
• 6.00% 6-Month CD at a California CU (SESLOC)
• 6.00% 3-Month CD at a Connecticut CU (American Eagle)
• 6.00% 6-Month CD at a Connecticut CU (American Eagle)
• 6.00% 7-Month CD at a Oregon/Washington CU (First Tech)
• 6.00% 6-Month CD at a Missouri Bank (WestBridge)
• 6.00% 6-Month CD at a Hawaii CU (West Oahu Community)
• 6.00% 11-Month CD at a Massachusetts CU (MIT FCU)
• 6.00% 7-Month CD at a New Jersey/North Carolina CU (Proponent)
• 6.00% 6-Month CD at a Wisconsin CU (Fond du Lac)
• 6.00% 9-Month CD at a Baltimore Maryland CU (John Hopkins)
• 6.00% 4-Month CD at a Washington DC CU (HEW)
• 6.00% 10-Month CD at a Washington DC CU (HEW)
• 6.00% 7-Month CD at a New York/Pennsylvania CU (First Heritage)
• 5.90% 6-Month CD at a New York CU (Cornerstone)
• 5.90% 9-Month CD at a Georgia CU (Georgia Power)
• 5.90% 10-Month CD at a Georgia Bank (Integrity)
• 5.85% 6-Month CD at a Tennessee CU (Eastman)
• 5.85% 6-Month CD at a California/Nevada CU (1st United Services)
• 5.85% 9-Month CD at a North Dakota CU - (First Community)
• 5.80% 9-Month CD at a Georgia Bank (Seasons)
• 5.80% 8-Month CD at a California CU (San Francisco FCU)
• 5.80% 11-Month CD at a Colorado CU (Bellco)
• 5.75% 9-Month CD at a Rhode Island CU (Wave)
• 5.75% 7-Month CD at a Oregon CU (SELCO)
• 5.75% 6-Month CD at a New York Bank (Park Avenue)
• 5.75% 6-Month CD at a New York Bank (Trustco)
• 5.75% 5-Month CD at a California/North Caralina CU (Alliance)
• 5.75% 7-Month CD at a Oregon CU (Rivermark)
• 5.75% 7-Month CD at a Alabama CU (First Educators)
• 5.75% 11-Month CD at a New York CU (Capital Communications)
• 5.70% 11-Month CD at a Oregon CU and $100 Checking Bonus (Advantis)
• 5.70% 7-Month CD at a Kansas Bank (Equity)
• 5.65% 7-Month CD at a California Bank (First Private)

Savings Account/CD Alternatives

• Money Magazine article on risk-free investments
• Fidelity Money Market Fund - 4.99% 7-day yield ($100 bonus and other info)
• Paypal Money Market Fund - 5.03% 7-day yield (1% cashback debit MasterCard)
• FW Thread on Treasury Bills
• I Bond Rate Starting Nov 2006, I Bond Article, I Bonds as CD Alternatives
• SmartMoney Brokerage Survey