Savings Account & MMA Rates
CD (Certificate of Deposit) RatesHere’s where to find the best nationally available rates for the most popular certificates of deposit:
3-month CD: 1.00% APY from Hudson City Savings Bank and Earthstar Bank.
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, with branches in the Philadelphia area, requires a $500 minimum deposit.
6-month CD: 1.25% APY from Aurora Bank and First City Bank.
Aurora Bank, based in Wilmington, Del. with a branch in Jersey City, N.J., requires a $1,000 minimum deposit, as does First City Bank, which has five branches in Fort Walton Beach, Fla.
12-month CD: 1.80% APY from First City Bank, with a $1,000 minimum deposit.
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. It requires a minimum deposit of $5,000.
36-month CD: 2.60% APY from Alliance Bank, with 23 branches in central New York, requires a $1,000 minimum deposit.
60-month CD: 3.29% APY from Melrose Credit Union.
All of these banks are FDIC-insured, and allow investors to buy CDs online.
Melrose Credit Union is insured by the NCUA, which is the credit union equivalent of the FDIC.
Compare these returns with the best CD rates from scores of other banks in our extensive database.
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