Top CD Rates

April 21, 2009

Finding the top CD rates available nationally, right now, is one of the things we take seriously here at Top CD Rates. So let’s have a look at today’s top certificate of deposit rates nationally for 1-5 year terms.

1 Year CD Rates
The top CD rates for one year terms are from GMAC Bank, which has a $500 minimum deposit and a 2.75% annual percentage yield (APY). Corus Bank in Chicago is not far behind at 2.74% APY, but has a $10,000 minimum deposit. Third in lie for top certificate of deposit rates is UmbrellaBank.com at 2.60% and a $1,000 minimum deposit.

2 Year CD Rates
For certificates of deposits with two year terms, GMAC is offering 2.90% APYwith a $500 deposit minimum. NewDominionDIRECT.com has 2.76% APY and a $3,000 deposit minimum. The third top CD rates are from UmbrellaBank.com again, with 2.75% APY and a $1,000 minimum deposit.

3 Year CD Rates
Top CD rates for 3-year terms are found at Goldwater Bank in Arizona with a $50,000 minimum deposit and a 3.34% APY. GMAC once again is on the list with a 3.20% APY and a $500 minimum. Finally, certificates of deposits for this term at Discover Bank yield 3.10% APY with a $2,500 minimum deposit.

4 Year CD Rates
For top certificate of deposit rates in this term, we look at Intervest National Bank in New York with a $2,500 minimum deposit and a 3.55% APY. Then GMAC Bank again with 3.25% APY and that $500 minimum. Dicscover Bank matches that with 3.25%, but has a $2,500 minimum deposit.

5 Year CD Rates
Our longest-term look at top CD rates are again at Intervest National at 3.66% APY with the same $2,500 minimum deposit. The State Bank of India is still running their long-term special at 3.65% with a $5,000 minimum deposit. The final top certificate of deposit rates for this term are from iGoBanking.com in New York, which yields 3.61% with a $1,000 minimum deposit.

That’s the roundup for top CD rates right now. For the short-term investors, for the record, the top certificate of deposit rates for a 3-month term are from Imperial Capital Bank in California, giving a 1.85% APY with a $2,000 minimum deposit.

Of course, these rates will change quickly, so if you’re interested in the top CD rates right now, make sure to get in on them quickly.

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