bank rates

For All Savers: 19-Month CD Pays 1.9%

Dollar signMoney One Federal Credit Union has special 19-month CD rates, and they’re available to all U.S. savers. But this credit union will make you work for it.

This deal pays 1.90% APY with a $9,000 minimum deposit of new money.

The top nationally available 24-month CD rate on our CD Rates Leaderboard is stuck at 1.20% APY – a full seven-tenths of a percentage point less.

Again, the deposit must be new money, or funds transferred from another financial institution. The maximum deposit is $99,000.

You have to be a member of Money One Federal Credit Union to purchase these certificates of deposit. Membership is available to employees and members of the nearly 100 approved employers, churches and organizations listed on the website, as well as their family and household members.

Anyone in Maryland, Virginia and Washington can also join – online – by first donating a minimum of $20 to Gifts for Easter Seals.

That offer — even though the website doesn’t mention it — is also available to all U.S. savers. A bank official told us anyone can join the credit union over the phone.

Money One Federal Credit Union has two branches, in College Park and Largo.

Membership requires a $50 deposit in a share savings account, making this one of the pricier credit unions we’ve written about in a while.

Members can buy CDs over the phone or at a branch.

Learn more about Money One Federal Credit Union at www.moneyonefcu.org or call 301-925-4600.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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