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Tuesday, February 02, 2010

Best CD Rate Survey by Term

The top rate for a certificate of deposit (CD) this week is at Pentagon Federal Credit Union (fondly known as PenFed CU) where you can get a 7-year certificate that currently pays 3.75% APY.

For shorter terms, State Bank of India has a 1-year CD with a 1.76% annual percentage rate.

The one year US Treasury rate is currently 0.30%.

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.

"Highest CD Rates Survey - Current US Treasury Rates
(All rates here current as of 2/1/10)
Term
Highest
Rate (APY)
Where?
(Click link for Full Rate Sheets)
Vanguard Daily
0.03%
Vanguard Prime Money Market Fund
Vanguard Tax Exempt
0.10%
Vanguard Tax Exempt Money Market Fund
6 Month CD
1.36%
Ascencia Internet Bank
1 Year CD
1.76%
State Bank of India
18 - Month CD
1.86%
Aurora Bank
2 Year CD
2.20%
Discover Bank
3 Year CD
2.60%
Nationwide Bank
4 Year CD
3.03%
National Bank of Kansas City
5 Year CD
3.35%
iGObanking.com
7 Year CD
3.75%
Pentagon Federal CU
10 Year CD
3.70%
Discover Bank
Vanguard Money Market Rates shown for Reference
With rates so low, banks will try to sell you their annuity products. Make sure you read the article: Beware of Annuities.


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