bank rates

The CD Rates Leaderboard For July 6

Here’s where to find the best nationally available rates on 3-month to 5-year certificates of deposit from:

Here's where to find the top-paying nationally available CDs as of June 18, 2010.

3-month CD: 1.00% APY from Hudson City Savings Bank and Earthstar Bank.

Hudson City requires a $5,000 minimum deposit from online applicants, but only $500 for in-person applications at any of its New York, New Jersey or Connecticut branches.

Earthstar, which has four branches in the Philadelphia area, requires a $500 minimum deposit.

6-month CD: 1.25% APY from First City Bank, which has five branches in Fort Walton Beach, Fla., and requires a $1,000 minimum deposit.

12-month CD: 1.76% APY from Melrose Credit Union, located in Queens, N.Y., requires a minimum deposit of $5,000.

Melrose has an open charter that allows all U.S. residents to join, regardless of where they live or what they do for a living. As a result, its CDs are available online to all savers.

24-month CD: 2.02% APY from Melrose Credit Union.

36-month CD: 2.52% APY from Melrose Credit Union.

60-month CD: 3.29% APY from Melrose Credit Union.

All of these banks are FDIC-insured, and allow investors to buy CDs online.

Melrose Credit Union is insured by the NCUA, which is the credit union equivalent of the FDIC.

Compare these returns with the best CD rates from scores of other banks in our extensive database.

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2 Existing Comments
  1. DealMaven said:
    on July 7th at 09:22 am

    The CD rates on the leaderboard were unchanged on July 7 from those posted the previous day.

    Click here to see how these rates stack up against CD rates from scores of banks across the country.

  2. DealMaven said:
    on July 8th at 09:21 am

    Once again, there have been no changes in the leaderboard since we posted it on Tuesday.

    At least they’re not going down.