bank rates

EverBank Offers Top Nationally Available Deals on 2- 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- and 4-year returns.

It’s currently paying:

  • 2.35% APY on 24-month CDs.
  • 2.60% 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 banks like PenFed and Synchrony Bank, which are offering comparable deals on those terms with less of a minimum requirement.

Click here to read more

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ableBanking Is Offering A Great Money Market Account Rate

Six one-hundred dollar bills and a green backgroundableBanking is offering one of the best money market account deals in the nation right now.

It recently increased its rate to 1.70% APY.

The only bank we’ve found offering a better deal is CIT Bank, which is paying 1.75% APY.

There’s a $250 initial deposit to open the ableBanking account and a $250,000 maximum, but there’s no minimum or maximum balance to maintain the account. There’s also no monthly maintenance fee.

While ableBanking is currently offering one of the best nationally available deals, it’s still important to comparison shop.

Before you decide to open an account, make sure to check out the nation’s leading money market account rates.

Click here to read more

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BMO Harris Is Offering Very Attractive Promo CDs Right Now

man in suit with calculator, cd rates

“The biggest banks have the best CD rates,” said no one ever.

That’s because the deposit rates offered by the top 25 banks are generally far worse than competitive.

So we take notice when a gigantic bank begins offering certificates of deposit with anything even resembling a competitive yield, and this month, BMO Harris Bank has gotten our attention.

Based in Chicago, BMO Harris is the 25th-largest bank in America by total assets, operating more than 600 branches across the nine states of Florida, Illinois, Washington, Arizona, Indiana, Missouri, Wisconsin, Minnesota and Kansas.

Until a couple of years ago, its CD rates were as pitiful as those at virtually every other megabank. But it’s been going strong so far this year.

BMO Harris recently unveiled an array of three promotional CDs with a $5,000 minimum deposit:

  • 2.00% APY on 18-months
  • 2.25% APY on 30-months
  • 3.00% APY on 60-months

Click here to read more

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6-Month CD Rates Roundup: Top National Deal Pays 1.90%, Local Pays 1.49%

One bank is leading the charge on 6-month CDs. Crestmark Bank is offering 1.90% APY with a $25,000 minimum.

The next best offer you’ll find comes from Ally Bank, which is offering 1.75% APY with a $25,000 minimum.

After that, Limelight Bank and Banesco are offering 1.71% APY and 1.70% APY, respectively.

As always, shopping locally may earn you more from a credit union or community bank. We’ll talk about where to find them.
Click here to read more

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CIT Bank Savings Account: Bookmark This Deal

CIT Bank savings

If you’re in the market for a savings account, this is a deal you’ll want to bookmark. CIT Bank’s new savings offer is tough to beat.

It’s paying 1.55% APY with a $100 minimum on balances up to $250,000.

The only savings deals that currently beat are from PurePoint Financial and DollarSavingsDirect, which are both offering 1.60% APY.

Indeed, banks are starting to compete for the best rates, and that’s great news for savers.

You can check out our monthly roundup of the best savings accounts for more options and opportunities.

With the national average savings account rate at a dismal 0.14%, this deal from CIT Bank is certainly better-than-average.

RATE SEARCH: Compare the best savings account rates.

Click here to read more

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Freedom Credit Union’s 30-Month CD Is Worth A Look

woman with a magnifying glass

Freedom Credit Union is offering a hot new deal for mid-term CD shoppers.

Paying 1.75% APY on 30 months, the credit union’s yield nearly matches the best 3-year return you can find on our CD Rates Leaderboard of nationally available bank certificates.

With a name like Freedom, the credit union is unsurprisingly based in the Philadelphia area. Click here to read more

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University Of Iowa CU Is Offering A Slam Dunk On 13-Month CDs

Once again, University of Iowa Community Credit Union is offering a top CD to savers in Iowa and Illinois and those affiliated with the university.

The latest promotion from Iowa’s largest credit union is a 13-month certificate paying 1.65% APY with a $1,000 minimum.

The deal gets even sweeter for savers who can pony up more, with deposits of at least $100,000 earning 1.75% APY. In addition, any Hawkeye alumni, staff or students can become members.

Searching through Bankrate’s extensive database of the day’s best CD rates will show how hard this rate is to beat. Click here to read more

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Granite CU Offers Tough-To-Beat Deal On 5-Year CDs in Utah

piggy-bank-red-bow

For savers in Salt Lake County, some of the best yields come from Granite Credit Union.

It’s paying 2.60% for a 5-year term, which is well above the top nationally available 5-year return of 0.91% APY.

Granite is also offering a solid promo rate on 30-month CDs — 1.80% APY.

Of course, it’s always wise to check Bankrate’s extensive database of the day’s best CD rates before locking in any certificate.

But if you’re in Salt Lake County, Granite is certainly offering some of the best deals around.

Here’s what the Granite Credit Union is paying on CDs:

 

Click here to read more

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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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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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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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