Best CD Rates » investing in CDs

Tampa Florida CD Rates

Douglas — Thu, 29 Jul 2010 10:50:01 +0000

These Tampa, Florida CD rates are from the local financial institutions that are available, this the last week in July 2010. Tampa is situated on a bay and the financial institutions discussed below are from both sides of the bay.

Heritage Bank of Florida is a community bank on the west side of the bay. This is an independent community bank serving the needs of the bay area since 1999. They have a 3 year CD with an APY of 2.28%. The 2 year CD has an APY of 2.02% and the 18 month CD has an APY of 1.77%. Each of these CD’s require a minimum deposit of $1000.

The 1 year CD from Heritage has an APY of 1.51%. The 9 month CD has an APY of 0.90%. The 6 month CD has an APY of 0.75% and the 3 month CD has an APY of 0.40%. Each of these CD’s require a minimum deposit of $500. These CD Rates were posted on March 24, 2010 and were still effective as of July 29, 2010.

The Bay Cities Bank is located in Tampa itself. This is a community bank that first opened its doors in 1999. Their motto is when you’ve outgrown the big banks come to Bay Cities Bank. This bank has a 5 year CD with an APY of 3.00%. The 3 year CD has an APY of 2.00%. The 30 month CD has an APY of 1.85%. The 2 year CD has an APY of 1.70%.

The 18 month CD has an APY of 1.25%. The 15 month CD has an APY of 1.20%.the 1 year CD has an APY of 1.15%. The 6 month CD has an APY of 0.85% 3 month CD has an APY of 0.75%. All of these CD’s require a minimum deposit of $1000. The rates were posted on July 26, 2010 and were still current as of July 29, 2010.

These are just a few of the Tampa, Florida CD rates available for investors.

For additional resources about CDs on this website, please view Wells Fargo CD Rates Review. On our sister sites, there is information on mortgage loan

Citizens Bank CD Rates

Douglas — Tue, 27 Jul 2010 11:07:46 +0000

The Citizens Bank CD rates are from a well established financial institution that got its start back in 1828. Originally this bank was called High Street Bank and was based out of Providence Rhode Island. Today they have 1500 branch offices in 12 states with over 3500 ATM’s for their customers to use free of charge.

Because this bank is so large there are times, the rates of various products will change from state to state. These CD Rates are for the Philadelphia area and were posted on July 27, 2010. This bank deploys a tier rating for their rates. The first is the standard rate. The second rate is for Circle Banking customers and the last is for Circle Gold Banking customers.

The 1 year CD has APY’s of 0.50%, 0.75% and 1.00%. The 15 month CD has APY’s of 0.75%, 1.00% and 1.25%. The 2 year CD has APY’s of 1.00%, 1.25% and 1.50%. The 3 year CD has APY’s of 1.25%, 1.50% and 1.75%. The 5 year CD has APY’s of 1.35%, 1.60% and 1.85%.

The minimum balance to open a CD is $1000. If it is an IRA account the minimum is $250.

To qualify for a Circle Gold Banking rates a person must have a Circle Gold Checking and Circle Gold Savings account open. To qualify for a Circle Banking rates the customer must have a Circle Checking and Circle Savings accounts open with Citizens Bank.

These are the current Citizens Bank CD rates available for the Philadelphia area at this time. All rates are subject to change without notice.

For additional resources about CDs on this website, please view Best Canada CD Rates. On our other sister site, there is the Best Australia ETFs for an additional resource on bank rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

Discover Bank CD Rates Update

Douglas — Wed, 21 Jul 2010 12:26:38 +0000

The Discover Bank CD rates update comes from one of the most recognized brands in U.S. financial services. Discover revolutionized the credit card industry which it unveiled nationally during the 1986 Super Bowl. Today, it is not only one of the leading credit card issuer and electronic payment services company but also one of the reputable banking institutions in America with a global payments network acceptance in 185 countries and territories.

Discover Bank’s CDs require a minimum balance of $2500 to earn the posted APY. Their 3 Months CD has an interest rate of 0.65% with an APY of 0.65%. Their 6 Months CD has an interest rate of 1.14% with an APY of 1.15%. Their 9 Months CD has an interest rate of 1.14% with an APY of 1.15%. Their 12 Months CD has an interest rate of 1.49% with an APY of 1.50%. Their 18 Months CD has an interest rate of 1.59% with an APY of 1.60%. Their 24 Months CD has an interest rate of 1.88% with an APY of 1.90%. Their 30 Months CD has an interest rate of 2.03% with an APY of 2.05%.

Their 3 Years CD has an interest rate of 2.23% with an APY of 2.25%. Their 4 Years CD has an interest rate of 2.42% with an APY of 2.45%. Their 5 Years CD has an interest rate of 2.96% with an APY of 3.00%. Their 7 Years CD has an interest rate of 3.20% with an APY of 3.25%. Their 10 Years CD has an interest rate of 3.44% with an APY of 3.50%. These CD rates were posted on July 20, 2010 and are still current and effective July 21, 2010.

Like in every bank, this Discover Bank CD rates update is subject to change without notice.

For additional resources about CDs on this website, please view Flagstar 1 Year CD Rates. On our other sister site, there is the American Express ZYNC Card Review for an additional resource on CD rates.

M&T CD Rates

Douglas — Fri, 16 Jul 2010 09:51:23 +0000

With the M&T CD rates comes the trust and confidence of a financial institution that has been serving the community since 1856. Today, there are over 750 branch offices in the states of Pennsylvania, New York, Virginia, West Virginia, Delaware, Maryland, New Jersey, and Washington DC to better serve their customers.

The current promotional CD rates are associated with the following terms. The Promo 6 month CD has an APY of 0.50%. The Promo 12 month CD has an APY of 1.10%. The Promo 18 month CD has an APY of 1.25%. The Promo 24 month CD has an APY of 1.25%. The Promo 36 month CD has an APY of 1.75%. The Promo 60 month CD has an APY of 2.00%.

The Select 6 month CD has an APY of 0.35%. The Select 12 month CD has an APY of 0.85%. The Select 18 month CD has an APY of 0.85%. The Select 24 month CD has an APY of 1.01%. The Select 36 month CD has an APY of 1.01%.

There is a requirement for a customer to have a Select Checking Account or Select Checking Account with Interest to open a Select CD account. The minimum amount of deposit to open a CD is $1000 but the minimum amount to obtain the advertised APY is $1.00. These rates were posted on January 15, 2009, and are still current as of July 16, 2010.

The M&T CD rates stated above are for the Philadelphia area. Other areas may have different rates, so check with your local branch office for more information.

For additional resources about CDs on this website, please view Police and Fire Federal Credit Union CD Rates. On our other sister sites, there are AIG Bank CD Rates and Rochester New York CD Rates for additional resources on CD rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember – the bigger the risk, the larger the reward or loss. Invest with caution.

Police and Fire Federal Credit Union CD Rates

Douglas — Thu, 15 Jul 2010 11:38:40 +0000

The Police and Fire Federal Credit Union CD rates are from a financial institution that has a primary focus on loans and deposits. They are dedicated to providing their members with service, value, and convenience.

The following CD rates were posted on July 8, 2010 and are still current as of July 15, 2010. The CDs at this financial institution are called a Shared Certificate (SC) since it is a credit union. The 5 year SC has a dividend rate of 3.93% and an APY of 4.00%. The 4 year SC has a dividend rate of 3.45% and an APY of 3.50%. The 3 year SC has a dividend rate of 2.96% and an APY of 3.00%. The 30 month SC has a dividend rate of 2.48% and an APY of 2.50%. The 2 year SC has a dividend rate of 1.99% and an APY of 2.00%. The 18 month SC has a dividend rate of 1.49% and an APY of 1.50%.

The 15 month SC has a dividend rate and an APY of 1.45%. The 1 year SC has a dividend rate and an APY of 1.40%. The 9 month SC has a dividend rate and an APY of 1.35%. The 6 month SC has a dividend rate and an APY of 1.25%. The 3 month SC has a dividend rate and an APY of 1.20%.

There is a penalty for early withdraw. For more information on this subject, please check out PFFCU’s “Truth in Savings Brochure”. To receive the stated APY rates, the dividends must remain in the account for the term of the certificate.

These are the current Police and Fire Federal Credit Union CD rates available to members at this time.

For additional resources about CDs on this website about another state, please view PNC CD Rates Update July. On our sister site, there is Natural Gas ETF List for an additional resource on a popular financial institution.

PNC CD Rates Update July

Douglas — Wed, 14 Jul 2010 10:46:47 +0000

This is a PNC CD Rates Update July for their promotional certificates of deposit. These CD rates are accurate as of July 14, 2010 for the Philadelphia area.

The 36 month callable CD has an interest rate of 1.74% and an APY of 1.75%. This CD requires a minimum deposit of $10,000.

The 60 month callable CD has an interest rate of 2.47% and an APY of 2.50%. This CD also requires a minimum deposit of $10,000.

The 9 month fixed term CD requires a minimum deposit of $1000. With a Choice/ Premium Plan account, the interest rate is 0.47% and the APY is 0.47%. With a Performance/Performance Select checking account, the interest rate is 0.50% and the APY is 0.50%. Without an approved account, the CD has an interest rate of .045% and an APY of 0.45%.

The regular CDs have rates for the following terms. The 120 month CD has an APY of 1.95%. The 60 month CD has an APY of 1.50%. The 48 month CD has an APY of 1.20%. The 36 month CD has an APY of 1.05%. The 24 month CD has an APY of 0.80%. The 18 month CD has an APY of 0.70%.

The 12 month CD has an APY of 0.60%. The 6 month CD has an APY of 0.25%. The 3 month CD has an APY of 0.15%. Each of these CDs requires a minimum deposit of $1000.

The 1 month CD has an APY of 0.10% and requires a minimum deposit of $5000.

This is the current list for PNC CD Rates Update July. All rates are accurate as of July 14, 2010.

For additional resources about CDs on this website about another state, please view Columbia Bank CD Rates. On our sister site, there is Best Dallas Banks for an additional resource on a popular financial institution.

Columbia Bank CD Rates

Douglas — Tue, 13 Jul 2010 13:13:59 +0000

The Columbia Bank CD rates have an association attached to them. To receive the best rates from this financial institution, a new or existing personal checking account with direct deposit must be present in order for the customer to receive the advertised APYs.

The Columbia Bank has been serving their community since 1998, and at the present time has 41 branch offices, with 44 ATM machines, for their customers’ convenience.

The current relationship CD rates are for the following terms. The 60 month CD has an interest rate of 2.96% and an APY of 3.00%. The 35 month CD has an interest rate of 2.23% and an APY of 2.25%. The 22 month CD has an interest rate of 1.49% and an APY of 1.50%. The 15 month CD has an interest rate of 1.14% and an APY of 1.15%. The 9 month CD has an interest rate of 0.65% and an APY of 0.65%.

The regular CD rates are for the following terms. The 60 month CD has an APY of 2.75%. The 48 month CD has an APY of 1.25%. The 36 month CD has an APY of 1.25%. The 35 month CD has an APY of 2.00%. The 24 and 23 month CDs each have an APY of 1.00%. The 22 month CD has an APY of 1.25%. The 18 month CD has an APY of 0.90%. The 13 month CD has an APY of 0.60%. The 12 month CD has an APY of 0.75%. The 9, 6, and 3 month CDs have an APY of 0.50%.

The minimum deposit for every CD at this financial institution is $500. The Columbia Bank CD rates are current as of July 13, 2010.

For additional resources about CDs on this website about another state, please view Best CDs for Retirees. On our sister site, there is Best Dallas Banks for an additional resource on a popular financial institution.

Best CDs for Retirees

Douglas — Wed, 07 Jul 2010 11:28:54 +0000

Knowing which are the best CDs for retirees is dependent on their plans for the future. At the present time, with the Federal Reserve keeping the interest rates artificially low, investing in CDs for the long term or with long term certificates is not a very wise move. The main reason is that with the long term rates so low, inflation will negate any earnings.

Finding the best CD rates for your hard earned money is tricky. Establishing a CD ladder is the best way to take advantage of any rate change while earning what is presently being offered. This way, there would be a constant flow of CDs maturing at predetermined intervals.

If you are just starting to form a CD ladder, then you would need to purchase a 1, 2, and 3 year CDs. This 3 rung ladder would have a CD maturing every year so access to your money would be readily available without any penalty. When the CD matures, then you can reinvest it in another 3 year CD or spend it. Reinvesting it would keep the ladder going.

This same concept can be done with a 6 month, 1 year, and 18 month CD to have even more access to your funds. This would give the opportunity to invest in a better rate CD as soon as the rates start to increase.

When looking for which institution to invest with, shop around. Many banks and credit unions have good rates, but one generally stands out above the other rates with each financial institution. With a CD ladder, the CDs on each rung can be with a different financial institution. Do not have the mindset to stick to just one bank because you “have always done your banking with them.” If you do so, you could miss out on better earnings through better rates offered by other banking institutions.

Shop around for the best CDs for retirees. It is your money, get the most from it.

For additional resources about CDs on this website about another state, please view Iowa CD Rates. On our sister site, there is Best Bank Bonuses for an additional resource on a popular financial institution.

Iowa CD Rates

Douglas — Tue, 06 Jul 2010 11:49:31 +0000

Local Iowa residents are searching Iowa CD rates in order to arrive at a decision on an investment to help them increase their rate of return. It is wise to have a diversified portfolio such as CDs, in addition to having money in a savings account. Although savings accounts are a very important tool to keep some assets liquid, your money will not be living up to its fullest earning potential. Below are some of Iowa’s present rates.

Established 83 years ago, Pocahontas State Bank has premium interest rates on their CDs and will require $10,000 to obtain these APYs. The 12 months CD has an interest rate of 1.60% with an APY of 1.61%. The following CD terms only require $500 to obtain the APY. The 30 months CD has an interest rate of 2.35% with an APY of 2.36%. The 60 months CD has an interest rate of 3.00% with an APY of 3.03%. These rates were posted April 22, 2010 and are still current and effective July 6, 2010. Other CD terms and non-premium rates are also available.

Capitol View Credit Union was organized in 1944 by employees of the United States Employment Service. Members need to deposit $10,000 to obtain a premium rate for their certificates. Their 12 month CD has an interest rate 1.55% with an APY of 1.56%. The 36 month CD has an interest rate of 2.75% with an APY of 2.78%. The 60 month CD has an interest rate of 3.00% with an APY of 3.03%. Other CD terms and non-premium rates are also available. These rates were posted March 12, 2010 and are still current and effective July 6, 2010.

The Community Choice Credit Union – Central Iowa requires a $5000 minimum deposit for their CDs. Their 12 months CD has an interest rate of 1.45% with an APY of 1.46%. The 36 month CD has an interest rate of 2.40% with an APY of 2.42%. The 60 months CD has an interest rate 2.90% with an APY of 2.93%. These rates were posted March 19, 2010 and are still current and effective July 6, 2010.

Visit these institutions’ respective websites for other terms and CD rates. These Iowa CD rates may change without notice, so act fast if you find the rates acceptable to invest.

For additional resources about CDs on this website about another state, please view USA One Credit Union CD Rates. On our sister site, there is Highest CD Yields Texas for an additional resource on a popular financial institution.

USA One Credit Union CD Rates

Douglas — Mon, 05 Jul 2010 12:36:19 +0000

The USA One Credit Union CD rates are for what is termed Shared Certificates (SC). This financial intuition is a non-for-profit company that was formed in 1986 to serve 400 selective employer groups that presently has 11,000 members.

The best CD rates come from this CU is new short term step up CD. The minimum deposit is $10,000 for this 8 month CD. The first 4 months the APY is 0.90% and the last four months the APY is 2.00%. This is a combined total of 1.45% APY for the life of the CD. The interest is compounded monthly and this CD can be used as collateral to obtain a loan from the CU.

The other CD’s at this CU have a minimum deposit of $250. There rates are as follows. The 120 month CD has an APY of 3.10%. The 60 month CD has an APY of 2.80%. The 48 month CD has an APY of 2.50%. The 42 month CD has an APY of 2.40%. The 36 month CD has an APY of 2.30%. The 30 month CD has an APY of 1.75%. The 24 month CD has an APY of 1.70%.

The 18 month CD has an APY of 1.25%. The 12 month CD has an APY of 1.20%. The 12 month CD has an APY of 1.20%. The 9 month CD has an APY of 1.10%. The 6 month CD has an APY of 0.95% and the 3 month CD has an APY of 0.65%.

The USA One Credit Union CD rates that are stated above are accurate as of July 7, 2010.

For additional resources about CDs on this website about another state, please view Missouri CD Rates. On our sister site there is PNC Rewards Program for an additional resource on a popular financial institution