They have many kinds of CD schemes. First is the Smart Choice fixed which is a CD for 12 months. The interest is fixed at 1.5% APY. In you want a variable rate, then you can choose Smart Choice Variable. The Flagstar CD rates for this scheme is 1.35% APY. Next is the 6 months Internet scheme where the interest rate is 1.25% APY while for the 12 months Internet scheme, the bank CD rates are 1.55% APY.

For the 18 months Internet scheme, the Flagstar certificate of deposit rates are 1.40% while for the 24 month Internet scheme Flag Star bank CD rates are 1.60%. The 36 month internet interest rate is 2.35%, the 48 months Internet rate is 2.35% and the 60 months Internet interest rate is 2.61%.

These good CD rates also come with penalties for early withdrawal and you should keep this in mind while planning. A minimum of $500 is required to open an account. Deposit terms from 180 days to 60 months. Automatic transfer of the interest could be done to any savings account or express checking or money market account. Automatic renewal of deposits could be opted and 24 hours phone and internet banking is available. Above all the main feature is all deposits are FDCI insured.

This blog focuses on the top CD rates offered by many banks and in that series, we will discuss the First Niagara bank CD rates. First Niagara Bank certificate of deposit rates are competitive and guaranteed by the bank as well as insured by the FDIC for any term chosen. The term of CDs vary from 7 days to 10 years to give customers a wide range of flexibility. The minimum CD amount can be as low as $500. The interest earned could be withdrawn or kept in the account for future growth, according to the customer’s convenience. For an 18 month IRA (Individual Retirement Account) account any amount could be added at any time to reach the retirement goal.

First Niagara Bank CD rates scheme, eCD carries an interest rate of 1.15% APY for 30 months and the minimum amount required to open an account is $5000. Besides, they have many schemes that are beneficial for its customers.

There is a scheme called the Belief Baker Bundle that has many different categories. The first category is the Value bundle where overdraft up to $400 is available without the necessity to maintain any minimum balance. No interest is paid under this scheme. The

second is Preferred bundle where an average combined balance of $5000 is required, Interest is paid on a balance of $2500 and overdraft for up to $700 is given, according to eligibility of the customers.

The next one is Prestige Bundle where premium interest rates are paid and highest level of benefits and discounts are offered. To avail this, a combined average balance of $25000 is required and an overdraft of $700 is available according to eligibility.

All these schemes are available with no limitations on transactions, no requirement of minimum balance and free online banking and billing facility. These bank CD rates and features are quite competitive.

The best CD rates for a one year CD are offered by Sallie Mae. They are offering an APY of 1.55% with no minimum deposit requirement. Bank of Internet USA is offering an APY of 1.54% with a minimum deposit requirement of $1,000. Harris Bank and Discover Bank are currently offering an APY of 1.50% with a minimum deposit requirement of $1,000 and $2,500, respectively.

If you are interested in a  three year CD, Bank of Internet USA is offering an APY of 2.42% with a minimum deposit requirement of $1,000. Sallie Mae is currently offering an APY of 2.40% with no minimum deposit requirement. TriState Capital Direct currently offers an APY of 2.35% with minimum deposit requirement of $100,000.

If you are searching for high CD rates then do consider investing in the five year CDs. Nationwide Bank is currently offering an APY of 3.05% with a minimum deposit requirement of $500. Astoria Federal Savings offer the second best rate with an APY of 3.05% and the same deposit requirement of $500. EverBank is currently offering an APY of 3.04% and a minimum deposit requirement of $1,500. Customers can opt for these institutions because of the lucrative rates that are way above market average.

Fifth Third bank offers two kinds of CDs, namely Standard CD and 529 CD. The standard CD requires a minimum opening balance of $500 and the minimum term period is 7 days. 529 CD us a tax-free CD that helps you to save for the educational expenses that you may incur in the future.

Fifth Third CD rates for a term of 7 days to 6 months is 0.05% APY for balances between $5000 to $25000. The rates are 0.10% for balances between $25,000 and $50,000 and 0.15% for balances over $50,000. Fifth Third bank certificate of deposit rates for a 6 to 12 month term is 0.10% for a balance of less than $5000, 0.15% for balances between $5000 to $10,000, 0.20% for balances between $10,000 and $25,000, 0.25% for balances between $25,000 and 50,000 and 0.30% for balances over $50,000. Bank CD rates for a period of 12 to 24 months are 0.30% for a balance of less than $5000, 0.35% for balances between $5000 to $10,000, 0.40% for balances between $10,000 and $25,000, 0.45% for balances between $25,000 and 50,000 and 0.50% for balances over $50,000. The rates for a term period of 24 to 36 months are 0.70% for a balance of less than $5000, 0.75% for balances between $5000 to $10,000, 0.80% for balances between $10,000 and $25,000, 0.85% for balances between $25,000 and 50,000 and 0.90% for balances over $50,000. The CD rates for a period of 36 to 48 months are 1.00% for a balance of less than $5000, 1.04% for balances between $5000 to $10,000, 1.09% for balances between $10,000 and $25,000, 1.14% for balances between $25,000 and 50,000 and 1.19% for balances over $50,000.

E-loan offers many savings products and their CDs are one of their popular products. They have many flexible period options that you can choose from. The minimum opening balance for all CDs is $5,000. All their savings products are insured by FDIC and so there is no need for you to worry about the safety of your money. So, relax and enjoy the good interest rates offered by this bank.

The current E-loan CD rates for a period of 1 month is 0.25% for all balances and the rate for a period of 2 months is 0.30%. The bank CD rates for a 3 month period is 0.40% while for a 6-month period, the rates are 0.55%. For a 9-month CD, the rates are 0.65% and for a 1year CD term, the rates are 0.85%. The rates for a 18 month CD are 1.15%, 2 year CD is 1.50%, 3 year CD is 1.75%, 4-year CD is 2.05%, 5 year CD is 2.50% and a 6 year CD is 2.60% respectively. These rates are for any amount that you invest in the CD.These rates are reasonably competitive in the current market conditions and you can definitely consider this as one of the avenues of investment.

There are three kinds of CDs and the rates will depend on the CD chosen. The three kinds of CDs are standard, circle and circle gold. While the standard CD is open to the public, circle is available only for Circle Banking customers of Citizens Bank and Circle Gold is available only for Circle Gold banking customers. Circle Banking customers are those that have a checking and savings account with Citizens Bank while Circle Gold Banking customers are those that have a Circle Gold checking with Interest account, Circle Gold savings account and a Circle Gold money market account. The Citizens CD rates for a standard account are 0.60% for 1 year, 0.75% for 15 months, 1.25% for 2 years, 1.50% for 3 years, 1.70% for 4 years and 2.15% for 5 years respectively. The Citizens Bank CD rates for Circle customers are 0.85% for 1 year, 1.00% for 15 months, 1.50% for 2 years, 1.75% for 3 years, 1.95% for 4 years and 2.40% for 5 years respectively. The rates for Circle Gold customers are 1.10% for 1 year, 1.25% for 15 months, 1.75% for 2 years, 2.00% for 3 years, 2.20% for 4 years and 2.65% for 5 years respectively.

The current rates for CDs that are available online are 0.25% APY for a period of 180 days, 0.45% for a period of 1 year and 1.00% for a period of two years respectively. These rates are for balances between $1,000 to $99,999. For balances between $100,000 and $250,000, the Frost CD rates are 0.30% for a period of 180 days and 1.00% APY for one and two years respectivel. Other than the online CDs, there are also CDs that can be opened by phone or in the financial centers and they have different rates and terms. The Frost certificate of deposit rates for a balance of $1,000 to $99,999 are 0.15% APY for a period of 90 days, 0.25% for a period of 180 days, 0.45% for a period of one year, 0.65% for a period of 18 months and 1.00% for a period of 2 years respectively. For balances over $100,000, the rates are 0.20% for a period of 14 days, 0.20% for a period of 30 days, 0.20% for a period of 60 days, 0.20% for a period of 90 days, 0.30% for a period of 180 days, 0.50% for a period of 1 year, 0.70% for a period of 18 months and 1.00% for a period of 2 years respectively. These rates are quite competitive in the current financial situation.

Astroia Federal Savings bank is located in greater long island and it serves the Brooklyn, Nassau, Suffolk and Westchester counties. They have been an integral part of the long island community and they have many different kinds of products and services to help people to plan for their future and to realize their financial dreams.

The current Astoria Federal CD rates for a 3 month and 4 month CD is 0.50% APY. The rates for a 6 month CD are 0.60% APY while for a 9 month CD, it is 0.75%. Astoria Federal Savings certificate of deposit rates are 1.05% for a term of 1 year, 15 months and 18 months respectively. The CD rates for a 2 year term is 1.25% while the rates for a 30 month and 36 month term is 2.00%. The CD rates for a 42-month deposit is 2.25%, 4 year term is 2.50% and for a 5 year term, it is 3.00%. The minimum opening balance for all these term deposits is $500. This bank also offers a 18-month variable IRA deposit and the rates are 0.60%. The minimum opening balance is $100 for this variable IRA deposit account. The numerous features as well as the good interest rates offered by this bank make it reasonably popular among investors who are looking for a steady stream of revenue over a certain period of time.

The current SunTrust CD rates for a 26 month CD and IRA CD is 3.00% APY. The SunTurst CD rates for a 49 month CD and IRA CD is also 3.00% APY. Other than these, they have other special promotions going on. The SunTrust Bank CD rates for a 59 month CD and IRA CD is 3.00% APY while the rates for a 39 month CD and IRA CD is 2.50% APY. The SunTrust certificate of deposit rates for a 10 month traditional CD is 0.80% APY and for a 10 month No Penalty CD, the rates are 0.50% APY. The minimum opening balance for each of these CDs is $2000. These flexible term periods give a lot of flexibility to users and the competitive interest rates make it an very attractive avenue for investment.

The current Charles Schwab CD rates are 0.20% for a term of 4 to 6 months. The Charles Schwab CD rates for a period of 7 to 9 months is 0.30% APY and the rates are 0.45% for a term of 10 to 18 months. The Charles Schwab certificate of deposit rates for a period of 1.5 years to 2.5 years is 1.25% APY. The best part of these CDs is that they are all insured by FDIC and backed by the guarantee of Charles Schwab. This guarantee takes a lot of importance in this current economic scenario. These interest rates coupled with the features that come with it make it an attractive investment option for many people.