bank rates

Pick Up A Tough-To-Beat 2.1% On 30-Month CDs Nationwide

roll of cash emerging from broken golden egg

If a 30-month certificate can fit your savings portfolio, EBSB Direct and its parent, East Boston Savings Bank, have a competitive offer for savers anywhere in the country.

Both are paying 2.21% APY on the odd term, offering a slight premium over the top nationally available 3-year return of 2.15% APY from the banks on our CD Rates Leaderboard.

A search through Bankrate’s extensive database of the day’s best CD rates will show that this return isn’t easy to beat. Still, you should always check since new offers can crop up quickly.

Savers living in Massachusetts who can get to one of 30 branches throughout Boston and Suffolk, Essex and Middlesex counties can open the promotional CD in person.

But anyone in the country can open the same certificate of deposit via the bank’s internet operation, EBSB Direct, which only offers online products. Click here to read more

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Michigan Deal: Earn 1.81% On 18-Month CDs

piggy-bank-red-bow

If you’re looking for a solid deal on a short-term CDs in Michigan, be sure to check out Michigan One Community Credit Union.

It’s paying 1.81% APY on 18-month certificates of deposit, with a minimum $10,000 investment.

With the top nationally available 12-month offer from the banks on our CD rates leaderboard CD Rates Leaderboard standing at 1.80% APY, Michigan One’s shorter-term offers an edge. It’s just slightly below the top national 24-month CD, which is 1.85% APY.  Click here to read more

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Capital One 360 CD Rates Are Worth Another Look

Capital One 360 logoCapital One recently gave a boost to its certificates of deposit.

Now the bank is offering some of the best national deals on 12-, 18-, 24- and 60-month CDs.

Its 5-year CD takes the lead among national banks offering 60-month CDs.
Click here to read more

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3-Year CD Rates Roundup: Earn 2.11% Nationally

The top return among national 3-year CDs has been moving up lately. In fact, rates on 3-year CDs are around a quarter of a percentage point higher than they were at this time last year.

Now you can earn 2.11% APY from the lead bank on our list. M.Y. Safra Bank is paying 2.11% with a $5,000 minimum.

KS StateBank and Everbank are close behind, both paying 2.10% APY, with KS StateBank requiring a $500 minimum and Everbank requiring a $5,000 minimum.

But while there are several nationally-available deals worth considering, there are also some great local deals from credit unions and community banks for mid-term CD shoppers.

And we’ll tell you where to find those local deals.
Click here to read more

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6-Month CD Rates Roundup: Top National Deal Pays 1.42%, Local Pays 1.49%

One bank is leading the charge on 6-month CDs. M.Y. Safra Bank is offering 1.42% APY with a $5,000 minimum.

But First Internet Bank of Indiana is close behind, paying 1.41% with a $1,000 minimum.

CDBank.com is also at the top of the pack, charging 1.40% with a $10,000 minimum.

As always, shopping locally may earn you more from a credit union or community bank. We know of at least one local deal that’s out-paying the national leader, offering 1.49% APY.
Click here to read more

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Massachusetts Savers Can Benefit From Special 4-Year CD At Bay State Savings

If you’re in the market for a 4-year CD, Bay State Savings Bank is offering savers in central Massachusetts a solid deal.

How This Deal From Bay State Savings Compares

The Worcester-based bank is paying 2.00% APY with a reasonable $1,000 minimum deposit, and none of its other CD offerings come close to being this good.

In fact, you’ll earn less from a 60-month CD from this bank. It’s paying just 1.40% APY on 5-years.

massachusetts quarter

The 4-year CD deal from Bay State Savings Bank matches the top nationally available deal from GS Bank, which is paying 2.00% APY on 4-year CDs with a $500 minimum.

And it’s more than two-and-a-half times the national average of 5-year CDs, which is 0.85% APY.

Click here to read more

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EverBank Offers Top Nationally Available Deals on 2-, 3-, and 4-Year CDs

EverBank is showcasing some very worthwhile CD rates this month. The bank has recently bumped up its rates on a number of terms.

Those increases push the Jacksonville-based bank into the lead for the best nationally available 2-, 3- and 4-year returns.

It’s currently paying:

  • 1.82% APY on 24-month CDs.
  • 2.10% APY on 36-month CDs.
  • 2.20% APY on 48-month CDs.

The minimum deposit for all of those deals is $5,000.

If you can’t swing that minimum, look for other great deals from GS Bank, which only requires a $500 minimum but is still competing very well with EverBank.

Click here to read more

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GS Bank Is Offering Top CD Rates

If you’re in the market for a CD, short-term or long, GS Bank is offering great deals across the board. Indeed, it’s leader of the pack, paying the highest rate on nearly every term.

One deal that sticks out is its offer on 3-years.

GS Bank is offering 2.00% APY on 3-year CDs with a $500 minimum. That’s as much as the top paying 4-year CD, which also happens to be GS Bank.

You’ll also find that GS is posting the top deal on 2-, 4- and 5-year CDs right now.

Of course, it’s always crucial to compare the best CD rates before you purchase.

Click here to read more

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Best 2 Year CD Rates

24-month CDs

The best nationally available 2-year CD is paying 1.85% APY, up slightly from what it was last month.

Indeed, CD rates are on the rise. And 2-years are something to keep an eye on.

You can pick up 1.85% APY from two different banks — Popular Direct and First Internet Bank.

The main difference between the two is the minimum deposit amount. Popular Direct is charging a $10,000 minimum while First Internet Bank of Indiana is charging $1,000.

Overall, we have 14 banks are offering deals of 1.50% APY or better.

Of course, there are still some local banks and credit unions offering better deals.

That makes it even more important to shop around thoroughly for the best CD rates.
Click here to read more

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Synchrony Bank CDs Are Worth A Look

Woman holding up a piggy bank with money coming out of it.We’ve been chatting a lot about Synchrony Bank lately. That’s because the bank keeps offering great deals.

While it’s not the leader on any single term, it’s in the top three on nearly every term.

It’s now offering 1.95% APY on a 5-year CD with a minimum deposit of $2,000, or 2.35% APY for a minimum deposit of $25,000. The national average 5-year CD pays just 0.97% APY.

On 4-year CDs, it’s offering 1.95% APY with a minimum deposit of $2,000.
Click here to read more

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KS StateBank Pays Top Deals On Jumbo CDs Nationwide

Don’t let the Kansas name fool you – KS StateBank‘s certificates of deposit are available nationwide.

And it’s offering top rates on jumbo CDs.

It’s currently paying 2.25% APY on a 5-year jumbo. All of its jumbo CDs are paying 1.55% APY or above.

When the Manhattan, Kansas-based bank implemented an online account opening system more than two years ago, it extended the availability of several deposit products to savers nationwide.

But it wasn’t until just a year ago that it offered any rates worth mentioning.

Click here to read more

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Check Out Navy Federal Credit Union’s 12-Month CD Special

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Navy Federal Credit Union is currently offering a 12-month CD special that’s certainly worth checking out. It’s a bonafide winner for military-affiliated savers across the country, as well as their families.

Navy Fed is currently paying 3.00% APY on special 12-month certificates, with a minimum $50 deposit.

Compare that with the 1.56% APY you can earn from the top nationally available 1-year certificate or the 5-year term it takes to earn 2.35% APY.

The one catch is that this certificate has a maximum investment of $3,000.

Membership in Navy Fed is open to savers who are affiliated in any way with the Armed Forces, the U.S. Department of Defense or the National Guard. This includes regular active duty and reservists in the Army, Navy, Air Force, Marine Corps and Coast Guard, as well as Army and Air National Guard personnel.
Click here to read more

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Connexus Credit Union Offers National Deals Worth A Look

It might not be a national bank, but Connexus Credit Union is so easy to join it might as well be.

By making a one-time $5 donation to Connexus’ charitable association, anyone nationwide can become a member of the Wisconsin credit union, and now is as good a time as any given its current crop of CD specials.

CD deals worth a look from Connexus Credit Union

With a $5,000 minimum deposit, Connexus is paying 1.50% APY on 12-month certificates, 1.70% APY on 24-month CDs, 2.00% APY on 36-month CDs and 2.00% APY on 60-month CDs.

And while all of the rates its offering are solid deals, Connexus stands out in the 3-year CD category. Indeed, the only other bank paying 2.00% APY on 3-year CDs is Salem Five.

Connexus requires a $5,000 minimum to earn that rate while Salem Five requires a $10,000 minimum.

Click here to read more

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Check Out Ally’s 11-Month No-Penalty CD

Ally Bank recently bumped up rates on its 11-month, no-penalty CD. And it’s certainly worth a look.

Undeniably, it’s one of the better nationally-available deals we’ve seen out there lately. It competes nicely with the top 12-month CDs.

Ally offers three different tiers for this particular CD. At the top tier, you can earn 1.35% APY with a $25,000 minimum.

But if you’re interested in earning 1.35% APY on an 11-month from Ally, you might want to purchase sooner than later. Though Ally will offer deals like this one occasionally, they tend not to last for very long.

Of course, it’s always best to compare the top CD rates before you decide on a CD.

Click here to read more

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BankPurely’s Savings Account: Good For Your Wallet And The Environment

It’s a good time to be in the market for a new online savings account. Rates are rising, and institutions like BankPurely are making savings accounts more attractive.

BankPurely is offering 1.30% APY on its SavingPurely bank account. And when you open an account, the bank will plant a tree.

With the national average savings account rate at 0.71%, this deal from BankPurely is hard to beat.

RATE SEARCH: Compare the best savings account rates.

Click here to read more

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