JustBankIt.com currently offers munificent rates on their deposit products that are beating the national average by the highest margins. For their CDs, the minimum deposit is $1,000. You can open an account by check or wire transfer. At the moment, there are no ACH offers. Should you choose to fund a CD via wire transfer, there will be a $15 fee. The yield assumes semi-annual compounding.

JustBankIt.com currently has 4 CD terms. Their 6 month CD has an APY of 1.50% while the national average for this term is 0.92% APY. Their 12 month CD has an APY of 1.90% while the national average for this term is 1.32%. Their 18 month CD has an APY of 2.00%. Their 30 month CD has an APY of 2.10%. Early withdrawal penalty will be assessed if the CD does not reach maturity before it is withdrawn.

There are no physical branches for JustBankIt.com but its parent company, Allied Bank, has several branch locations within Arkansas. A lot of products, and the rates associated with them, listed in JustBankIt.com can also be found at Allied Bank branches.

 The CD rates above are posted in their website and are current as of 01/25/2010. Of course, like any other bank, the rates may change without prior notice. It will be best to visit their website or an Allied Bank branch near you to verify the day’s current JustBankIt.com CD rates before you open a CD.

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3. Franklin Synergy Bank CD Rates