Intervest National 2.60% Savings Account

Here’s an alternative to short-term certificates of deposit that are averaging just over 1% these days.

Park your money in an Intervest National Bank savings account that’s paying 2.60% APY. (You’ll also find some pretty good CD rates if you check out this rate sheet.)

Intervest is primarily an online bank, with one walk-in branch in New York City, and earns two out of five stars from Bankrate’s “Safe & Sound” rating system.

Although you can open an account with as little as $100, you don’t want to do that because Intervest charges a $12 monthly maintenance fee if you don’t maintain a minimum daily balance of $500.

(Just to be clear about something: We scour the Web for these deals, and take full advantage of the great tips we get from users like you. Some blogs are paid to promote products, and include hyperlinks to commercial sites, in their posts. We’re not one of them. You can’t buy a shout out on Bankaholic.)