bank rates

Score 2.51% Return With A 13-Month CD

Choice Financial Group, a community bank in Grand Forks, N.D., is offering a 13-month CD that pays 2.51% APY.

That’s a quarter-point better than the top 12-month CD rates in our most recent survey, and more than twice the average return on one-year certificates of deposit.

Choice Financial GroupChoice Financial calls it a RateBuilder CD because it includes an add-on provision. During the term of the CD you can add more money up to the amount of your original deposit — a $5,000 minimum.

The offer is available nationwide and you can apply on-line. But good deals from small banks rarely last very long, so do it now.

Click here to compare this offer with the best CD rates from dozens of other banks in our extensive database.

You might notice the 2.76% Choice Financials paying on its RateBuilder savings account. But that rate is only good for one month. After that it falls to 1.76% to 2.26%, depending on your balance.

We think you’re better off locking in the 2.51% for 13 months.

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Comments (2)
1 Star2 Stars3 Stars4 Stars5 Stars (9 votes, average: 3.78 out of 5)
2 Existing Comments
  1. Choice Financial Customer Service said:
    on July 23rd at 08:33 am

    To learn more or apply for a RateBuilder account, please visit and click on the “RateBuilder” logo.

    For product questions, please contact 1-877-380-3623 or

    Due to this article’s popularity we are experiencing a high volume of calls. If you reach voicemail, please leave a message and a representative will return your call as soon as possible.

  2. DealMaven said:
    on July 24th at 04:12 pm

    Today Choice Financial lowered its rates on both accounts. The 13-month CD now pays a 2.21% APY as opposed to the original 2.51% that was first advertised.

    The savings account now has a 30-day introductory rate of 2.26% APY, down from 2.76% APY. After the introductory period, rates are tiered according to balances.