bank rates

CD Rates Leaderboard For Sept. 22, 2011: 3 Banks Offer Top 24-Month CD Rates

This is a great page to bookmark so you can always find the best nationally available deals on the most popular CD rates.The best 2-year CD rates are beginning to bunch up around 1.30% APY for banks offering their deals to savers in all 50 states.

In fact, 10 banks we track for our CD Rates Leaderboard are offering at least 1.30%.

But you can still score a national deal on 24-month CDs with a higher rate. Three banks are paying 1.35% APY.

That’s much better than you’ll do when compared with the national average of 0.58% APY offered by banks and thrifts, according to our most recent survey.

The banks offering 2-year CD rates for 1.35% APY are:

Aurora Bank (www.aurorabankfsb.com), with branches in Wilmington, Del., and Jersey City, N.J., which requires a $1,000 minimum deposit.

giantbank.com, the online division of Landmark Bank in Ft. Lauderdale, Fla., which requires a $2,500 minimum deposit.

Goldwater Bank (www.goldwaterbank.com), with a single location in Scottsdale, Ariz., which requires a $5,000 minimum deposit.

Goldwater cut its 24-month CD rate from 1.38% APY, resulting in the three way tie.

Two other banks offer certificates of deposit for 1.31% APY. They are:

Ascencia Bank (www.ascenciabank.com), the online division of PBI Bank in Louisville, Ky., which requires a $500 minimum deposit.

NewDominion Bank (www.newdominiondirect.com), a predominantly online bank with branches in Charlotte and Mooresville, N.C., and a minimum deposit of $1,000.

Banks qualify for our rankings by accepting deposits from all savers, regardless of where they live, 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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