bank rates

CD Rates Leaderboard For December 13

Our overall wealth grew 2.2% from July through September despite the relentless decline in CD rates.

Household net worth rose to nearly $55 trillion, according to the Federal Reserve. That’s up from $49 trillion during the depths of the recession, but still well short of the pre-recession peak of $66 trillion.

Given the way the stock market’s been going, you might expect the rebound to be more robust.

But the Fed says the value of real estate holdings fell another 3.7% during the third quarter and continues to be a drag on many families’ net worth.

A growing number of the certificates of deposit in our portfolios are also earning less than 2% as older investments mature and are being replaced by lower-paying CDs.

Here’s where to find the best nationally available CD rates right now:

TERM BANK RATE MIN. DEPOSIT
3-Month CDs Sanibel Captiva 0.95% APY $1,000
6-Month CDs Aurora Bank 1.11% APY $1,000
Bank of Internet 1.11% APY $1,000
Ascencia 1.11% APY $1,000
12-Month CDs Melrose Credit Union 1.41% APY $5,000
Bank of Internet 1.41% APY $1,000
24-Month CDs Melrose Credit Union 1.66% APY $5,000
36-Month CDs First Bank Richmond 2.25% APY $10,000
60-Month CDs Melrose Credit Union 2.93% APY $5,000


Banks and credit unions qualify for our rankings by selling their certificates of deposit online or through the mail, to savers nationwide.

Melrose Credit Union continues to be one of the few credit unions eligible for our rankings because its unique charter allows anyone to join for only $1, regardless of where they live or work. (You will also be required to hold at least $25 in a savings account.)

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

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