bank rates

CD Rates Leaderboard For June 30

Here’s where to find the best nationally available 3-month to 5-year CD rates as of Wednesday, June 30:

3-month CD: 1.00% APY from Hudson City Savings Bank and Earthstar Bank.

Here's where to find the top-paying nationally available CDs as of June 30, 2010.Hudson City requires a $5,000 minimum deposit from online applicants, but only $500 for in-person applications at any of its New York, New Jersey or Connecticut branches.

Earthstar, which has four branches in the Philadelphia area, requires a $500 minimum deposit.

6-month CD: 1.25% APY from First City Bank, which has five branches in Fort Walton Beach, Fla., and requires a $1,000 minimum deposit.

12-month CD: 2.00% APY (effective rate) from Incrediblebank.

The online division of River Valley Bank, which has 18 branches in Wisconsin and Michigan, requires a $1,000 minimum deposit. Its 1-year CD pays 1.75% APY the first six months and 2.25% APY the second six months, for an effective rate of 2.00% APY.

24-month CD: 2.02% APY from Melrose Credit Union, located in Queens, N.Y., has an open charter that allows all U.S. residents to join and requires a minimum deposit of $5,000.

36-month CD: 2.52% APY from Melrose Credit Union with a $5,000 minimum deposit.

60-month CD: 3.29% APY from Melrose Credit Union with a $5,000 minimum deposit.

All of these certificates of deposit can be purchased online and are federally-insured by the FDIC or National Credit Union Association

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

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  1. Jen Stryker said:
    on June 30th at 12:51 pm

    They are being marketed as acount advances and peddled to customers whose paychecks are directly deposited into their checking accounts.Supposedly legitimate banks such as Wells Fargo, Fifth Third and U.S. Bank are getting into the payday loan racket. A new study by the National Consumer Law Center says they’re peddling these extremely expensive loans to customers whose paychecks are automatically deposited into their checking accounts.