bank rates

CD Rates Leaderboard For Jan. 11, 2011

The first change of the year drops Ascencia from our Leaderboard.

The online division of PBI Bank based in Louisville, Ky., is still offering one of the top nationally available 6-month CD rates.

But Ascencia reduced its return from 1.11% APY to 1.08% APY and is no longer tied for the lead with Bank of Internet USA.

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 Bank of Internet USA 1.11% APY $1,000
12-Month CDs Melrose Credit Union 1.41% APY $5,000
Bank of Internet USA 1.41% APY $1,000
24-Month CDs Melrose Credit Union 1.66% APY $1,000
36-Month CDs Melrose Credit Union 2.17% APY $5,000
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 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.)

Sanibel Captiva refers to Sanibel Captiva Community Bank, which has three branches in southwest Florida and Bank of Internet is an online bank based in San Diego.

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

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