CD rates at ING Direct are generally at or better than the market standards in the US. The bank has however managed to attract customers due to its multitude of investment options and good customer services.

The company offers a complete online solution to customers where they can open their accounts without any delays. The certificate of deposit rates at ING Direct are calculated while keeping the national economic and financial factors in mind. All the rates are valid as of January 30, 2010.

ING CD Rates for an investment of six months returns an APY of 1.15%. A 9-month CD also offers the same rates at 1.15%. A 1-year CD at ING Direct returns an APY of 1.60%. An 18-month CD returns an APY of 1.50% for a basic investment of $1,000.

ING certificate of deposit rates for a 2-year CD are estimated at 1.50%. They are the same for a 30-month CD at 1.50%. Three year CD also offers an APY of 1.50%. A 4-year CD offers an APY of 1.75%. A standard investment in a 5-year CD will also return an APY of 1.75%.

ING Direct CD rates are the highest for four and five years of investment. ING does not offer the best rates as compared to some other companies. The company offers plenty of investment options other than the certificates of deposit. CD rates are subject to change as per the changes in national economic outlook.

By far, the most competitive of ING CD rates is their special “Added Value” offer on a 12 month certificate of deposit rates of 2.25% annual percentage yield (APY). That outclasses nearly every other ING Direct CD rates on the list.

A shorter-term six month offer at 1.55% APY is available, which is above the national average. The 9 month, by comparison, is at 1.15% APY. Other CD rates at ING Direct are the 18, 24, 30, and 36 month offers at 1.50% APY. 48 and 60 month terms give a 1.75% APY in ING CD rates.

If you’re in need of a business CD, then there are some CD rates at ING Direct worth looking at as well. The shining star is again the 12 month certificate of deposit rates at 2.10% APY with others being the six month 1.55% APY. Then ING CD rates on 18, 24, 30, and 36 month offers are 1.50% APY.

For IRA retirement ING Direct CD rates, they are about the same as the business rates. The highlight is again the 12 month CD at 2.10% APY with the 6 month rate also shining at 1.55% APY.

ING Direct bank account (including CDs) are FDIC insured to the fullest extent of the law. If any of these certificate of deposit rates appeal to you, lock your rate in todya as ING Direct CD rates can change at any time.

CD rates at ING Direct come in terms from 6 months to 60 months with no minimum deposit. All are FDIC insured to the fullest extent of the law. Currently, certificate of deposit rates for short-term CDs include: 6 months at 1.25% annual percentage yield (APY) and 9 months at the same.

One year to 36 months gives a 1.5% APY while 48 and 60 month returns on ING CD rates are 1.75% APY. Interest rates on most ING Direct CD rates are paid monthly, annually, or at end of term, depending on the term length and your choice at startup.

All CD rates at ING Direct are available nationally to online customers through their website or over the phone. Early withdrawals/closing of any certificate of deposit will carry fees, of course.

So if you’re looking for a CD, we think that ING Direct CD rates are definitely worth a look. Be sure to check out the latest information on the ING Direct website as ING CD rates can change without notice and may vary by region.