bank rates

CD Rates Leaderboard For April 26, 2013

We have two rate cuts at the top of the CD Rates Leaderboard to report.

The first comes from EverBank (, which cut rates across several terms this morning. A change in its 3-month CD yield means this predominately online bank based in Florida can no longer claim a spot on the Leaderboard.

The other cut comes from Barclays (, which is the online American operation of the big British bank.

It cut its top 60-month CD rate.

Barclays now pays 1.75% APY, good enough for the second best nationally available bank CD.

Since Barclays shared the top spot, the best rate remains unchanged, but now just one bank offers it.

Green Bank (, which is an eco-friendly bank with 12 locations in Texas, pays 1.85% APY with a $1,000 minimum deposit.

Unfortunately, EverBank held the 3-month spot all on its own, so there’s both a new leader and a new lower top rate.

NexBank (, which is a division of NexBank Capital Inc., pays 0.50% APY on 3-month certificates of deposit. This bank has two branches in the Dallas area and requires a $10,000 minimum deposit.

Banks qualify for our rankings by imposing no restrictions on who can buy their certificates of deposit, either online or through the mail.

Compare these returns with the best CD rates from scores of banks in our extensive database.

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