Imperial Capital Bank 2.35% 6-month CD

If you’ve got to have a 6-month certificate of deposit, this is one of the best deals you’ll find.

Imperial Capital Bank, with nine branches in California, Nevada and Maryland, is offering 2.35% on a 6-month certificate of deposit.

That’s almost double the national average of 1.19%, the offer is available nationwide, and the minimum deposit is a reasonable $2,000.

Imperial Bank merits only two out of five stars in Bankrate’s “Safe & Sound” rating system, but it’s FDIC insured.

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