Savings Account & MMA Rates
CD (Certificate of Deposit) Rates 
For the past eight weeks the best 3-month CD rates have remained unchanged.
That might not sound like a big deal, but the best yields on four of the other five CDs we follow fell during that time.
So kudos to the two banks still offering the top nationally available return of 1.00% APY:
Earthstar Bank, which has four branches in the Philadelphia area and requires a $500 minimum deposit.
Hudson City Savings Bank which requires a $5,000 from online applicants, but only $500 for in-person purchases at any of its New York, New Jersey or Connecticut branches.
Even though the top rate is unbelievably low, it’s nearly four times the average return on 3-month certificates of deposit, which has fallen to 0.28%.
The next best rates are:
0.90% APY with a $50,000 minimum deposit from Goldwater Bank, which has a single location in Scottsdale, Ariz.
0.84% APY with a $10,000 minimum deposit from Golf Savings Bank, which has a single banking location in Mountlake Terrace, Wash.
Use our database of CD rates to compare these rates with the best deals from scores of other banks.
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