bank rates

CD Rates Leaderboard For Dec. 10, 2012

This is a great page to bookmark so you can always find the best nationally available deals on the most popular CD rates. AloStar Bank of Commerce last owned the best nationally available 1-year CD rates in late October. The online bank reclaimed its spot on our CD Rates Leaderboard today.

Rate then: 1.11% APY. Rate now: 1.11% APY.

In between, several banks owned the top rate of 1.12% APY. The last of those banks relinquished that rate today when ableBanking cut its 12-month deal to 1.05% APY, still good enough to be the second best rate we’re tracking.

AloStar Bank of Commerce ( is based in Birmingham, Ala., and requires a $1,000 minimum deposit.

ableBanking ( is the online division of Northeast Bank in Maine and requires a $1,000 minimum deposit.

We’re tracking five other banks that also pay 1.05% APY:

CIT Bank (, the online consumer bank of CIT Group Inc., which finances small businesses and middle-market companies. Although its 12-month CD requires a hefty $25,000 minimum deposit, this Achiever CD allows you to raise the rate once if the rate goes up during the term, as well as add to your deposit once.

Colorado Federal Savings Bank (, which is an online bank based in Greenwood Village, Colo., requires a $5,000 minimum deposit.

MetLife (, which is the insurance giant’s online bank, requires a $25,000 minimum deposit.

NexBank (, which is a division of NexBank Capital Inc. and has two branches in Texas, requires a $10,000 minimum deposit.

Sallie Mae Bank (, which is an online bank owned by the student lender with a single branch in Murray, Utah, requires a $2,500 minimum deposit.

Banks qualify for our rankings by accepting deposits from all savers, regardless of where they live, either online or through the mail.

Compare this return with the best CD rates from scores of banks in our extensive database.

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