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National Deal Pays 1.50% On 16-Month CD


San Diego County Credit Union is celebrating its 16th anniversary with a sunny odd-term CD that’s available to savers everywhere.

The credit union is paying 1.50% APY on 16-month CDs with a minimum $2,000 investment, or 1.75% APY if a qualifying checking account is opened.

Even without the checking bonus, the 16-month offer pays about as much as the top nationally available 24-month yield of 1.52% from the banks on our CD Rates Leaderboard.

It also earns San Diego County a spot on our constantly updated roundup of the best CD yields at credit unions and community banks around the country. Click here to read more

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Balloon Bump Promo Offers Rising Rates

Idaho-based Capital Educators Federal Credit Union has launched a weeklong CD promotion called the Boise Balloon Bump.

Celebrating the annual Spirit of Boise Balloon Classic event held in the state capital, the deal features three attractive odd-term CDs available to savers nationwide. With a $500 minimum deposit, you can earn:

  • 15 Months at 1.55% APY.
  • 25 Months at 1.80% APY.
  • 35 Months at 2.00% APY.

These 15-month, 25-month and 35-month rates beat the top nationally available 12-, 24- and 36-month returns on our CD Rates Leaderboard.

The promotion also includes a rate bump for three certificate of deposit owners selected through a random drawing to be held on Sept. 8.

That rate bump will be based on the high temperature in Boise, Idaho, at around 9:15 p.m. on Saturday. For example, if the temperature is 75 degrees Fahrenheit, 0.75% will be added to the CD yields of the lucky contestants. Click here to read more

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New England CU Offers National CD Deal


A small Massachusetts credit union is offering savers nationwide a good deal on a short-term CD.

Mills42 Federal Credit Union is paying 1.40% APY on a 15-month certificate of deposit with a $500 minimum deposit.

That beats the best nationally available return of 1.30% APY for 1-year CDs from the banks on our CD Rates Leaderboard.

It also earns Mills42 a spot on our roundup of the best deals from credit unions and community banks.

Mills42 membership is open to anyone who lives or works in Lowell, Massachusetts, and portions of nearby Chelmsford and Tewksbury.

But savers across the country can qualify to join simply by making a donation of at least $5 to Mothers Against Drunk Driving.

You can apply for membership and buy CDs online, by phone or at the Mills42 office in Lowell.

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Here’s something a little different … A robo-adviser with killer checking


Millennials aren’t big fans of the financial industry.

They turn to family rather than professionals for financial advice and avoid traditional banks whenever they can.

They’re also keen on giving back and contributing to society.

So we couldn’t help but notice how Aspiration Fund Adviser is trying to tap into all of those trends.

It’s created a website that offers automated investment advice and allows users to choose how much they want to pay for that service.

Whatever you decide to pay, Aspiration donates 10% of that amount to charity.

On top of that, Aspiration offers a fee-free checking account with an interest rate that rivals the best nationally available savings and money market accounts. Click here to read more

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Jumbo Mortgage Deal: 3.75%, No Points

Gateway Bank Mortgage is offering one of summer’s best deals on 30-year fixed-rate jumbo mortgages to borrowers in nine states.

It’s charging just 3.75% for a purchase or refinancing, with no points, no lender fees and a 50-day rate lock.

That interest rate is nearly a quarter of a percentage point less than the national average of 30-year jumbos — 3.97%, according to our latest survey of major lenders.

You’ll find this deal available in Delaware, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Texas and Virginia.

Not available where you live?

This deal still serves as a great blueprint to follow. Find a deal like this, and you’ll know you’ve found a winner.

You can get started by searching Bankrate’s database for the best mortgage rates from scores of other lenders in your area. Click here to read more

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Salem Five Leaps To Share 4-Year CD Lead

Ever since E-Loan substantially raised the top nationally available yield across every major CD term from 1 to 5 years at the end of last month, developments on our CD Rates Leaderboard have been sparse.

Today, Salem Five Bank finally delivers some Leaderboard news, unveiling a new 48-month CD that pays the same 2.00% APY as E-Loan’s top-billed certificate.

Requiring the same $10,000 minimum investment as E-Loan, Salem Five’s co-leading CD can be opened online or in person at one of the bank’s 29 Massachusetts branches.

Note that in addition to Salem Five’s standard SalemFive.com site, it also operates SalemFiveDirect.com, which offers a separate menu of CDs that are only available online, not at any branch, but are not currently as competitive.

Ranking the best nationally available 4-year certificates of deposit is a new Bankaholic feature we started this month, broadening our coverage to seven CD terms from 3 months to 5 years. Click here to read more

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Vermont Deal: 2.53% On 5-Year CDs


Green Mountain Credit Union is treating Vermont savers to a 60-month CD that pays 2.53%.

That’s more than the best nationally available return offered by the banks on our CD Rates Leaderboard.

It’s also good enough to land Green Mountain a spot in our rankings of the best local deals from credit unions and community banks around the country.

You can try searching Bankrate’s extensive database of the best CD rates from hundreds of banks and credit unions, but we suspect you’ll have a hard time beating Green Mountain’s rate.

Membership in this credit union is open to anyone who lives in Chittenden, Rutland, Washington and Orange counties or who works at a long list of Vermont employers that you’ll find on the website.

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Iowa Deal: 1.75% On 25-Month CDs

Cedar Falls Community Credit Union, which serves savers in seven north Iowa counties, is offering 1.75% APY on a 25-month CD.

You can try searching Bankrate’s extensive database of the best CD rates from hundreds of banks and credit unions, but we suspect you’ll have a hard time beating Cedar Falls Community’s deal.

It pays more than the best nationally available 24-month return offered by the banks on our CD Rates Leaderboard.

That yield is also good enough to land Cedar Falls Community a spot in our rankings of the best local deals from credit unions and community banks around the country.

Cedar Falls is home to the University of Northern Iowa and membership is open to the residents of Black Hawk, Bremer, Butler, Grundy, Fayette, Buchanan and Chickasaw counties

You can download a membership packet from the website and join by mail or at one of the credit union’s three branches in Cedar Falls and Waverly.

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Scenic Idaho Deal On 1- And 2-Year CDs


Savers across most of the Gem State can outearn the top national returns on 1- and 2-year CDs with Idaho Central Credit Union.

By offering 1.50% APY on 12-month certificates and 1.75% APY for 24 months, Idaho Central is paying almost a quarter of a percentage point more than the best nationally available yields from the banks on our CD Rates Leaderboard.

Spend some time searching Bankrate’s extensive database of the best CD rates from hundreds of banks and credit unions and you’ll see Idaho Central’s deals are tough to beat.

You can join Idaho Central and buy its certificates of deposit online, by phone or at one of its 26 branches throughout the state. A $500 minimum investment is required.

With membership available to Idaho residents and workers in all but eight counties, Idaho Central serves about 90% of the state’s population as well as those who live or work in Jackpot, Nevada.

You can find these deals and dozens of other chart-topping returns in our constantly updated roundup of the best CDs from credit unions and community banks around the country.

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