bank rates

Lots Of Choices With Top 6-Month CD Rates

December is giving savers the chance to make a tough but welcome decision.

For three weeks, three banks have been tied at the top of our rankings of the best 6-month CD rates.Three banks have been paying the top nationally available rate of 1.11% APY for three weeks now.

Buy one of these certificate of deposit for 1.11% APY and you’ll make more than three times the average return on 6-month CDs. In fact, you’ll make nearly four times the average return.

You won’t need a big minimum deposit to qualify for that rate, either.

The banks offering the best nationally available 6-month CD rates are:

Bank of Internet, an online bank based in San Diego, with a $1,000 minimum deposit.

Aurora Bank, with branches in Wilmington, Del. and Jersey City N.J., with a $1,000 minimum deposit.

Ascencia, the online division of PBI Bank in Louisville, Ky., with a $500 minimum deposit.

The next best nationally available return of 1.10% APY is just as good. (You’d only earn a few pennies less.)

But Colorado Federal Savings Bank, an online bank based in Greenwood Village, Colo., demands a steeper $5,000 minimum deposit.

Click here to compare these deals with the best CD rates from dozens of other banks in our database.

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  1. Kathy O'Gorman said:
    on January 30th at 12:11 pm

    Only Colorado Federal’s rate is still holding as of Jan. 30; the rest have dropped to 1.07%-1.09%.