bank rates

The CD Rates Leaderboard For July 9

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

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

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 CDs bought at its 131 branches in New York, New Jersey or Connecticut.

Earthstar, with 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 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 work. As a result, its CDs are available to all online 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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