CDs come with many advantages and they are superior to other investment products, depending on your financial goals. These forms of investment do not fluctuate with market conditions and you can get a steady income throughout the term.

The Alliant Credit Union certificate of deposit comes with many interesting features and the rates are above market average. It comes with flexible terms and the dividends are compounded monthly and at the time of maturity. The CD renews automatically at the end of the period and there is a seven day grace period available for the customer to take the money out. The minimum amount required to open a CD is $1,000 for a regular certificate and $25,000 for a jumbo certificate. The account can be opened through phone, online or by visiting a local branch. The balance in the CD account can be accessed at any time through the online banking system that can be accessed by every customer.

The CD rates at Alliant Credit Union are 1.00% APY for 12 to 17 months and 1.15% APY for 18 to 23 months. Alliant Credit Union CD rates are 1.30% for 24 to 35 months, 1.50% APY for 36 to 47 months and 1.80% APY for 48 to 60 months respectively.

The Zions Bank CDs come with good features and varying term periods to suit the needs of many investors. Typically, investors can choose from a term of 90 days to five years. All accounts come with free access to mobile banking and online banking. To top it, all CDs are insured by FDIC and so, investors can enjoy a peace of mind and assurance that their money is in safe hands. These accounts can also be accessed at any Zions Bank branch and the minimum amount required to open an account is $1,000. There is no minimum monthly maintenance fee attached to these CDs and there is a heavy penalty for early withdrawal.

The current Zions CD rates are 0.10% APY for a period of up to six months. The Zions Bank CD rates are 0.25% APY for a term of six months and 0.30% APY for a term of one year. The CD rates at Zions is 0.30% APY for a term of two years, 0.45% APY for a term of three years, 0.70% APY for a term of four years and 0.95% APY for a term of five years respectively. These competitive rates coupled with the convenient features that come with it make the Zions Bank certificate of deposit a good investment option for many investors.

Today, we will bring you an update on the Wells Fargo Bank CD rates and features to help you decide if this is the best option for your money.

The current Wells Fargo Bank CD rates are 0.15% APY for a period of eleven months, 0.55% APY for a period of 26 months, 0.90% APY for a term of 39 months and 1.15% APY for a term of 58 months respectively. These are special offers going on at this time and the minimum amount required to open any of these accounts is $5,000. Other than these special offers, the regular CD rates at Wells Fargo Bank are 0.01% APY for a period of three months, 0.05% APY for a term of six months and 0.05% APY for a term of one year. These regular CDs require a minimum balance of $2,500 and they will automatically renew at the end of the period. It is up to to withdraw the money if you need it within seven days after the end of the term period.

These Wells Fargo Bank certificate of deposit rates are fairly competitive in the current market conditions and this makes it a good form of investment for anyone looking to earn interest on a sum of money that they will not need during the term period.

Minimum deposit to open and maintain is $1,000, but higher deposits can result in higher returns. For $1,000 to $99,999.99 on a 180-364 day term, yields are 0.30% annual percentage yield (APY). For a Jumbo CD ($100,000+), CD rates at Umpqua for this term are 0.50% APY.

On the 12-17 month terms, deposits of $1,000 to $49,999.99 have a return of 0.35% APY which is competitive right now. For $50,000 – $99,999.99 in deposits, this term gives a 0.40% APY. Then for a jumbo deposit of $100,000 or more, Umpqua Bank CD rates are 0.75% APY.

These accounts all come with free online banking, but like most certificate of deposit accounts, they have a penalty for early withdrawal.

Umpqua also offers another type of CD, the Umpqua CD rates in advantage CDs are the same, but have a $5,000 minimum deposit requirement and you must have another Umpqua account to link to (checking or savings). The “advantage” here is in the ability to set up an automatic or periodic deposit directly from another Umpqua account. This means you can use the Advantage account as a sort of personal savings account and certificate of deposit account rolled into one.

Umpqua Bank is, of course, fully FDIC insured.

You can sleep restful at night because Trustmark certificates of deposits are deposited into businesses that have been around for more than a century in the southern state of Mississippi. Texas and Florida have been recently included in this growing enterprise.

Currently, Trustmark CD rates are accessible only by calling the customer service department using this toll free phone 1-800-243-2524, or the 1-601-961-6000, ( Jackson, MS) open 24/7 for your convenience. When you call for the best CD rates you will get a real person. We are open 7am -7pm, Monday through Friday, and on Saturday 9-2pm. Internet communication not currently accessible. Rates can be sent by email or by phone.

One thousand dollars is the smallest deposit allowed by Trustmark CD. Prime terms range from 5 years to 30 days and the patron can keep the interest or let it keep growing in the bank with top CD interest rates.

To access the updated Trustmark CD rates please call their customer service department.

TD CD rates start with basic accounts. These TD Bank certificate of deposit accounts have only one term: 11 months. For that term, which requires a $250 minimum deposit to open, the TD CD rates are 0.50% annual percentage yield (APY). This is the most basic form of CD at the bank.

No Catch CDs are another offer which also has a very low $250 minimum to open and maintain. These come in two terms, a special 6 month and a 12 month term. The TD Bank CD rates for the 6 month term is 0.35% APY and for 12 months is 0.30% APY. Both allow a penalty-free withdrawal during the term.

Probably the most popular account for TD Bank certificate of deposit offers, though, is the Step Rate CD. These have a 3 or 5 year term in which each successive year gains a higher percentage yield than the last.

The 3 year Step Rate offers TD CD rates of 0.75% APY for the first year, 1.00% APY for the second, and 1.39% APY for the third for an average rate of 1.05% APY for the life of the certificate.

The 5 year Step Rate gives CD rates at TD Bank that start at 0.80% APY, go to 0.95% APY the second year, then 1.14% APY the third, 1.24% APY the fourth, and 2.23% APY the fifth for an average of 1.28% APY over the five year span.

All accounts at TD Bank are FDIC insured.

The Susquehanna Bank certificate of deposit rates are in a tiered format with minimum deposits of $20,000, $50,000 and $100,000 for the CDs under 90 days. For CDs with terms longer than 90 days, the minimum deposits are $2,500, $50,000 and $100,000.

The current CD rates for the 7 to 31 days CD is earning an APY of 0.05%, 0.10% and 0.15%, respectively. The 32 to 90 days CD is earning an APY of 0.05%, 0.10% and 0.15%. The 3 to 5 month CD is earning an APY of 0.20%, 0.25% and 0.30%. The 6 to 11 month CD is earning an APY of 0.35%, 0.40% and 0.45%.

The 12 to 17 month CD is earning an APY of 0.55%, 0.60% and 0.65%. The 24 to 35 month CD is earning an APY of 0.80%, 0.85% and 0.90%. The 36 to 47 month CD is earning an APY of 1.30%, 1.35% and 1.40%. The 48 to 59 month CD is earning an APY of 1.40%, 1.45% and 1.50%. The 72 to 83 month CD is earning an APY of 1.85%, 1.90% and 1.95%. The 84 to 119 month CD is earning an APY of 1.95%, 2.00% and 2.05%. The best CD rates are from the 120 month CD that is earning an APY of 2.30%.

All of these Susquehanna CD rates were accurate as of January 3, 2011.

National Penn Bank is a leading bank in the state of Pennsylvania. It has almost $9 billion in assets and has its headquarters in Boyertown. It has about 124 banking centers and its shares are traded on the national stock exchange. They offer many kinds of products and one of them is their certificate of deposits.

Three kinds of CDs are offered by this bank and they are Fixed Rate CD, Ready Access CD and Step-Up CD. The fixed rate CD makes it possible for you to lock in a certain rate of interest for the term of your choice. After maturity, it automatically renews itself and you have to intervene if you do not want to put your money for another term. The ready access CD comes with a great feature. It makes it possible for you to access your funds at any time along with the interest without incurring any penalty. The Step-Up CD allows you to increase the rate as and when it increases.

The current National Penn Bank CD rates are 2.25% for a term of 60 months. The National Penn CD rates for a period of 35 months are 1.20% APY while the National Penn Bank certificate of deposit rates for a term of 13 months are 0.70%.

The CDs at metlife come with many features. They have variable terms ranging from 3 months to 60 months and the minimum deposit is only $2,500. When the deposit exceeds $100,000, there is a possibility to earn higher interest under their Jumbo CD rates scheme. All their deposits are insured by FDIC and this means your money is definitely safe.

The current Metlife certificate of deposit rates for a period of 3 months are 0.25% for a balance of under $15,000; 0.65% for balances between $15,000 and $24,999; 0.70% for balances between $25,000 and $49,999; 0.75% for balances above $50,000. The CD rates at Metlife Bank for a period of six months are 0.40% for an amount that ranges between $2,000 and $14,999; 0.75% for an amount that ranges between $15,000 and $24,999; 0.85% for an amount that ranges between $25,000 and $49,999 and 0.90% for balances over $50,000.

Metlife certificate of deposit rates for a period of 9 months are 0.65% for balances under $15,000; 0.95% for balances between $15,000 and $24,999; 1.00% for balances between $25,000 and $49,999 and 1.10% for balances that exceed the amount of $50,000. For these slabs, the rates for a period of 12 months are 1.00%, 1.15%, 1.25% and 1.25% respectively.The CD rates for a period of 18 months for the above-mentioned slabs are 1.15%, 1.40%, 1.65% and 1.65% respectively.

For 24 months, the rates are 1.05%, 1.40%, 1.55% and 1.55% while for a period of 36 months and above, the rates are 1.50%, 1.75%, 1.90% and 1.90% respectively. These rates are competitive in the given market conditions.

1 Year Term Top Certificate of Deposit Rates
For the one year term, MetLife Bank has a 1.45% APY with a $25,000 minimum deposit requirement. Bank of Internet USA has a 1.41% APY with a $1,000 minimum deposit required to open and maintain while Ascencia (PBI Bank) has a 1.40% APY with a low $500 minimum deposit.

2 Year Term Top CD Rates
For the best 2 year term, iGOBanking has a 2.25% APY with a $1,000 minimum deposit requirement while Bank of Internet USA has a 1.72% APY with a $1,000 minimum as well. Discover Bank has a 1.65% APY with a $2,500 minimum deposit requirement.

3 Year Term Top Certificate of Deposit Rates
For the three year term, we again see iGOBanking on top at 2.25% APY with a $1,000 minimum followed by Bank of Internet USA with a 2.05% APY and a $1,000 minimum deposit requirement. USAA then comes in at 2.00% APY with a $1,000 minimum as well.

5 Year Term Certificate of Deposits
Things change at this long-term level with First Internet Bank of Indiana coming in at 2.65% APY with a $1,000 minimum deposit. Discover Bank has a 2.60% APY with a $2,500 minimum deposit required to open and maintain while Stonebridge Bank and USAA both show a 2.55% APY with a $500 and $1,000 minimum deposit, respectively.

All banks listed are fully FDIC insured. If you see a top CD rates you like, be sure to lock yours in today.