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CD Rates Summary January 15, 2019

POSTED ON BY

This is another reminder that this is my new version of the weekly summary with the Fed review split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. This change was done to separate the economic and political discussion from the deal discussion. Often economic discussion leads to political discussion, and that can create lots of comments which drown out comments on deals and rates. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post. Please use the comments of this blog post to discuss CD rates and deals.

The early reports proved correct. Navy Federal Credit Union did come out with a new add-on CD special (non-IRA) on January 7th. It has a 17-month term with a 3.25% APY. Minimum initial deposit is only $50. Maximum balance is $50k with a limit of one certificate per member.

Navy Federal is still offering its special 40-month IRA CD with a 3.75% APY for a maximum of $150k deposit. It’s only available in an IRA.

CD specials with terms around 18 months seem to be the most popular these days. In addition to Navy Federal, Premier America Credit Union recently introduced a CD special with a term just under 18 months. It’s a 15-month CD with a 3.10% APY. Premier America is an easy-membership credit union. Joining the Alliance for the Arts automatically qualifies you for Premier America membership.

Only one institution introduced multiple top or near-top CD rates in the last two weeks. State Bank of India of New York increased the rates of its Senior Citizens CDs to very competitive levels. All are either at or near the top of their respective categories. These require that the customer be 60 years or older.

A few internet banks raised their CD rates, but most kept their CD rates unchanged. The new internet bank, Citizens Access, raised rates on all of their short-term CDs with terms from six to 24 months. The new rates put these CDs in good stead in the CD Summary, but they are not challenging the current rate leaders.

Overall, we didn’t see many banks or credit unions raise their CD rates in the last two weeks, and a few banks (First Internet Bank and Vio Bank) even cut their CD rates. This isn’t a good sign for savers.

Another bad sign for savers is rate reductions on most of the top brokered CDs. The top brokered CD rates at both Fidelity and Vanguard are near the bottom of their respective categories. The rate of the top 5-year brokered CD is only 3.20% for this week. That’s down from 3.40% two weeks ago. Brokered CD rates listed below are new-issue, non-callable rates that were listed at Fidelity and Vanguard at around 10:00am this morning.

Savings & Checking Account Rates

I have just one quick note about the top savings account rate. We have a new rate leader. North American Savings Bank’s (NASB) is offering the High Rate Savings account, with a 2.53% APY on balances between $50k and $5 million. Balances less than $50k and greater than $5 million earn 0.10% APY. In addition to offering a top rate, the High Rate Savings APY is guaranteed for six months following account opening, as long as the daily balance remains between $50k and $5 million.

My next update on all of the top savings and money market accounts will be next week. Here's the link to last week's savings/checking account summary. You can always get the latest rates for savings/checking accounts and CDs by using our rate tables, available via the navigational menu on top.

Yields Accurate as of January 15, 2019

Under 1-Year CD Rates

InstitutionRatesNotes
Advancial2.87% ($50k) 6-month Jumbo CertificateEasy membership See review
Andrews Federal Credit Union2.86% ($1k) 8-month Certificate SpecialEasy membership See review
MutualOne Bank2.78% ($500) 7-month Online CD See review
Andrews Federal Credit Union2.75% ($250k max) 9-month Certificate SpecialEasy membership See review
Advancial2.70% ($50k) 3-month Jumbo CertificateEasy membership See review
Service Credit Union2.50% ($1k) 9-month CertificateMilitary relationship See review
Live Oak Bank2.45% ($2.5k) 6-month CDInternet bank Account review
CD Bank2.45% ($10k) 9-month CDInternet bank See review
Fidelity Brokered CD2.45% (APR) 9-month non-callable CDIssued by BMNA, BMOH, BoA, CBNA, F3rdB*
The Vanguard Group Brokered CD2.45% (APR) 9-month non-callable CDIssued by BMNA, BMOH, BoA, CBNA, F3rdB, FFB*
DollarSavingsDirect2.40% ($1k) 6-month CDInternet bank See review
EmigrantDirect2.40% ($1k) 6-month CDInternet bank See review
MySavingsDirect2.40% ($1k) 6-month CDInternet bank See review
Fidelity Brokered CD2.40 (APR) 6-month non-callable CDIssued by BotW, F3rdB, HWB, META, VRTX*
The Vanguard Group Brokered CD2.40% (APR) 6-month non-callable CDIssued by BLEU, BMNA, BotW, F3rdB, HWB, ICBC*
Limelight Bank2.35% ($1k) 6-month CDInternet bank See review
Citizens Access2.35% ($5k min)6-month Online CDInternet Bank Account review
CD Bank2.35% ($10k) 6-month CDInternet bank See review
Marcus by Goldman Sachs2.35% ($500) 13-month No-Penalty CDInternet bank See review
Communitywide FCU2.30% ($2k) 6-month Share CertificateEasy membership Account review
Ally Bank2.30% ($25k), 2.15% ($5k) No-Penalty 11-month CDInternet bank See review
United Bank2.30% Advantage Money Market, 180-day rate guarantee25 states See review
Customers Bank2.25% ($25k)Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
Fidelity Brokered CD2.25% (APR) 3-month non-callable CDIssued by BMNA, KEY, PWB*
The Vanguard Group Brokered CD2.25% (APR) 3-month non-callable CDIssued by BMNA, KEY, MCBKX*
Chartway Federal Credit Union2.15% ($100) 12-month CD No PenaltyEasy membership See review

Noteworthy Local Deals - Under 1-Year CDs

Belmont Savings Bank2.75% ($500) 7-month Holiday CD SpecialMA, NH, and RI online See review
Bankers Trust Company2.75% ($1k, base rate) 7-23 month Pick-a-Term CDIowa and Arizona See review
UniBank for Savings2.75% ($2.5k) 8-month CD SpecialMassachusetts
Family First Federal Credit Union2.70% ($500) 7-month CD SpecialRochester, NY area See review
Westbury Bank2.60% ($500) 9-month CDEastern Wisconsin See review
First Peoples Community Federal Credit Union2.60% ($500) 9-month CD Promo3 Maryland, 3 Pennsylvania, and 3 West Virginia counties See review
Evergreen Bank Group2.55% ($10k) 9-month CD SpecialChicago metropolitan area See review
Advantage Federal Credit Union2.50% ($500) 5-month Share Certificate SpecialRochester, NY area See review
Kellogg Community Credit Union2.50% ($500) 9-month CD Special15 west Michigan counties See review
Members Choice Credit Union2.45% ($50k) 9-month Jumbo CDHouston area See review
Members Choice Credit Union2.35% 9-month CDHouston area See review
Ocean Bank2.35% ($2.5k) 9-month CD2 South Florida counties See review
Evergreen Bank Group2.25% ($10k) 7-month CD SpecialChicago metropolitan area See review
Bogota Savings Bank2.20% ($1k) 8-month CDNorthern New Jersey See review

1-Year CD Rates

INOVA Federal Credit Union3.25% ($200) 14-month IRAEasy membership See review
INOVA Federal Credit Union3.00% ($200) 14-month CDEasy membership See review
Advancial2.99% ($50k) 1-year Jumbo CertificateEasy membership See review
State Bank of India (IL)2.95% ($2.5k) 1-year Senior Citizen CD
State Bank of India2.94% ($25k) 12-month Senior Citizen CD See review
MutualOne Bank2.89% ($500) 13-month Online CD See review
Virtual Bank2.86% ($10k) 12-month eCD See review
Ally Bank2.85% (no minimum) 14-month Select CDInternet bank See review
Limelight Bank2.85% ($1k) 12-month CDInternet bank See review
Live Oak Bank2.85% ($2.5k) 1-year CDInternet bank Account review
SallieMae Bank2.85% ($2.5k) 12-month CDAccount review
Citizens Access2.85% ($5k min)12-month Online CDInternet Bank Account review
First Internet Bank2.83% ($1k) 12-month CDInternet bank See review
TIAA Bank2.81% ($5k) 1-year Yield Pledge CD Internet bank See review
USALLIANCE Financial2.80% ($500) 12-month CDAccount review
PenFed Credit Union2.80% ($1k) 12-month Money Market CertificateEasy membership Account review
Connexus Credit Union2.80% ($5k) 12-month Share CertificateEasy membership See review
M.Y. Safra Bank2.80% ($5k) 12-month Online Promo CD See review
CD Bank2.80% ($10k) 12-month CDInternet bank See review
PurePoint Financial2.80% ($10k) 12-month CDInternet bank See review
Popular Direct2.80% ($10k) 1-year Popular Direct CDInternet bank
State Bank of India (IL)2.78% ($2.5k) 1-year Senior Citizen CD
ConnectOne Bank2.76% ($500) 13-month Online CD See review
Ally Bank2.75% ($25k) High-Yield 12-month CDInternet bank See review
KS StateBank2.75% ($500) 1-year CD See review
Fort Knox Federal Credit Union2.75% ($500) 14-month CD SpecialEasy membership
Banesco USA2.75% ($1.5k) 12-month CDInternet bank See review
KS StateBank2.75% ($100k) 1-year Jumbo CD Internet Only Special See review
NASB2.74% ($1k) 12-month Online CD Special See review
CapitalOne Bank2.70% 12-month 360 CDAccount review
Alliant Credit Union2.70% ($25k) 12-17 month Jumbo Share CertificateInternet bank See review
Vio Bank2.65% ($500) 12-month High Yield Online CD Internet bank See review
BankPurely2.65% ($1k) 12-month PurelyCDInternet bank See review
iGObanking2.65% ($1k) 12-month iGOCD See review
The Vanguard Group Brokered CD2.55% (APR) 1-year non-callable CDIssued by SB*
Fidelity Brokered CD2.55% (APR) 1-year non-callable CDIssued by BMOH, UQB*

Noteworthy Local Deals - 1-Year CDs

Home Loan Investment Bank3.15% ($100k) 14-month in-branch CDConnecticut, Massachusetts, Rhode Island See review
BankNorth3.01% ($1k) 14-month CD SpecialSE North Dakota and NE South Dakota
UniBank3.00% ($500) 14-month CDConnecticut, Massachusetts, Rhode Island See review
Jefferson Financial Credit Union2.96% ($10k) 12-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Pelican State Credit Union2.90% ($500) 12-month CDEasy membership for AR, LA, MS, and TX See review
Texas Exchange Bank2.90% ($10k) 12-month New Money CDTexas See review
First Florida Credit Union2.89% ($50k) 13-month CD Special29 Florida counties See review
3Rivers Federal Credit Union2.85% ($20k) 13-month CD Special7 northeast Indiana counties See review
Community Credit Union2.85% ($25k), 2.65% ($1k) 13-month CD Special6 central Florida counties See review
BrightStar Credit Union2.85% ($500) 13-month Share CD23 Florida counties See review
First United2.85% ($50k) 14-month Performance CD13 Oklahoma and 16 Texas counties See review
Centris Credit Union2.84% ($90k) 14-month Jumbo CD3 Nebraska and 1 Iowa counties See review
Navy Army Community Credit Union2.83% ($1k) 13-month CD Special8 South Texas counties See review
Genisys Credit Union2.80% ($500) 13-month Share Certificate SpecialMichigan, and 1 Pennsylvania and 6 Minnesota counties See review
Aurora Schools Federal Credit Union2.75% ($5k) 12-month Certificate SpecialEasy membership for Colorado residents See review
American Eagle Bank of Chicago2.75% ($1k) 14-month New Money Step Up CDCook and Kane Counties, Illinois See review

18-month CD Rates

INOVA Federal Credit Union3.40% ($200) 20-month IRAEasy membership See review
Navy Federal Credit Union3.25% ($50-$50k) 17-month Share Certificate Special Military relationship See review
INOVA Federal Credit Union3.15% ($200) 20-month CDEasy membership See review
Premier America Credit Union3.10% ($1k) 15-month CD Special Easy membership See review
Advancial3.05% ($50k) 18-month Jumbo CertificateEasy membership See review
Veridian Credit Union3.05% ($100k) 18-month Bump-Up Jumbo CDEasy membership Account review
MutualOne Bank3.04% ($1k) 19-month CD See review
Kinecta Credit Union3.00% ($1k) 18-month Promo Share CertificateEasy membership See review
CD Bank3.00% ($10k) 18-month CDInternet bank See review
Hanscom Federal Credit Union3.00% ($1k) 19-month CD SpecialEasy membership See review
PenFed Credit Union2.95% ($1k) 18-month Money Market CertificateEasy membership Account review
Popular Direct2.95% ($10k) 18-month Popular Direct CDInternet bank
PenFed Credit Union2.90% ($1k) 15-month Money Market CertificateEasy membership Account review
First Internet Bank2.90% ($1k) 18-month CDInternet bank See review
Live Oak Bank2.90% ($2.5k) 18-month CDAccount review
Citizens Access2.90% ($5k min) 18-month Online CDInternet Bank Account review
State Bank of India (IL)2.89% ($2.5k) 15-month CD Special
United Bank2.85% ($500) 19-month Flex Up CD25 states See review
Veridian Credit Union2.85% ($1k) 18-month Bump-Up CDEasy membership Account review
Limelight Bank2.85% ($1k) 18-month CDInternet bank See review
KS StateBank2.85% ($100k) 18-month Jumbo CD Internet Only Special See review
Pacific National Bank2.80% ($1k) 18-month Online Promo CD Internet bank See review
Latino Credit Union2.80% ($200k) 18-month Jumbo CD Easy membership See review
Vio Bank2.75% ($500) 18-month High Yield Online CD Internet bank See review
Service Credit Union2.75% ($1k) 15-month CD SpecialMilitary relationship See review
NASA Federal Credit Union2.75% ($5k) 15-months Share CertificateEasy membership See review
CommunityWide Federal Credit Union2.75% ($2k) 18-month Share CertificateEasy membership Account review
Fidelity Brokered CD2.70% (APR) 18-month non-callable CDIssued by WFB*
The Vanguard Group Brokered CD2.70% (APR) 18-month non-callable CDIssued by WFB*
Georgia Banking Company2.36% (3.50% 5-year Certificate closed after 18 months) See review
Michigan State University Federal Credit Union2.35% (3.46% 5-year Jumbo CD closed after 18 months)Easy membership See review
Ally Bank2.26% (3.10% High Yield 5-Year CD closed after 18 months)See review

Noteworthy Local Deals - 18-Month CDs

Greenville Heritage Federal Credit Union3.299% ($1k) 15-month CD SpecialGreenville County, South Carolina See review
TruWest Credit Union3.25% ($500) 19-month Investment CD Special4 Arizona and 2 Texas counties See review
American Eagle Financial Credit Union3.15% ($1k) 15-month Certificate4 Connecticut counties See review
Rhode Island Credit Union3.05% ($500) 18-month CDRhode Island
The Village Bank3.05% ($500) 20-month CD Weekly SpecialMassachusetts See review
Wayne Westland Federal Credit Union3.03% ($5k) 15-month CD SpecialWayne County, Michigan See review
Liberty Bell Bank3.00% ($2.5k) 15-month CD SpecialSouth New Jersey and Philadelphia metro area Account review
Gesa Credit Union3.00% ($500) 17-month Certificate SpecialWashington State Account review
FORUM Credit Union3.00% ($500) 18-month CD8 Indiana counties (Indianapolis)
Homeland Credit Union3.00% ($75k) 18-month Jumbo CD9 Ohio counties See review
Kellogg Community Credit Union3.00% ($500) 19-month CD Special15 west Michigan counties See review
Community First Credit Union2.90% ($10k) 15-month CD Special13 northeastern Wisconsin counties See review
University of Iowa Community Credit Union2.90% ($100k), 2.80% ($10k), 2.70% ($1k) 15-month CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Homeland Credit Union2.85% ($500) 18-month CD9 Ohio counties See review
Cross River Bank2.79% ($500) 18-month CDNew Jersey See review

2-Year CD Rates

State Bank of India (IL)3.20% ($2.5k) 1-year Senior Citizen CD
Academy Bank3.19% ($500) 24-month Bonus Rate CD Special See review
Community Financial Services Bank3.19% ($1k) 29-month CD Special See review
State Bank of India3.19% ($25k) 2-year Senior Citizen CD See review
Latino Credit Union3.15% ($200k) 24-month Jumbo CD Easy membership See review
CD Bank3.07% ($10k) 24-month CDInternet bank See review
Virtual Bank3.06% ($10k) 24-month eCD See review
Popular Direct3.05% ($10k) 2-year Popular Direct CDInternet bank See review
Advancial3.05% ($50k) 2-year Jumbo CertificateEasy membership See review
First Internet Bank3.03% ($1k) 24-month CDInternet bank See review
Georgia Banking Company3.00% ($500) 2-year Certificate See review
USALLIANCE Financial3.00% ($500) 24-month CDEasy membership Account review
Greenwood Credit Union3.00% ($1k) 24-month CDEasy membership See review
SallieMae Bank3.00% ($2.5k) 24-month CDAccount review
Live Oak Bank3.00% ($2.5k) 2-year CDInternet bank Account review
Connexus Credit Union3.00% ($5k) 24-month Share CertificateEasy membership See review
Consumers Credit Union3.00% ($100k) 22-month Jumbo CD SpecialEasy membership Account review
KS StateBank2.95% ($500) 2-year CD See review
Citizens Access2.95% ($5k min) 2-year Online CDInternet Bank Account review
KS StateBank2.95% ($100k) 2-year Jumbo CD Internet Only Special See review
NASB2.94% ($1k) 24-month Online CD Special See review
M.Y. Safra Bank2.91% ($5k) 24-month Online Promo CD See review
CommunityWide Federal Credit Union2.90% ($2k) 24-month Share CertificateEasy membership Account review
The Vanguard Group Brokered CD2.75% (APR) 2-year non-callable CDIssued by WFB*
Fidelity Brokered CD2.75% (APR) 2-year non-callable CDIssued by WFB*
Georgia Banking Company2.65% (3.50% 5-year Certificate closed after 2 years) See review
Michigan State University Federal Credit Union2.63% (3.46% 5-year Jumbo CD closed after 2 years)Easy membership See review
Ally Bank2.47% (3.10% High Yield 5-Year CD closed after 2 years)See review

Noteworthy Local Deals - 2-Year CDs

Ocean State Credit Union3.30% ($1k) 2-year CD SpecialEasy membership, but requires in-branch visit See review
Jefferson Financial Credit Union3.26% ($10k) 24-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
American Eagle Financial Credit Union3.25% ($1k) 24-month Certificate4 Connecticut counties See review
Pelican State Credit Union3.20% ($500) 24-month CDEasy membership for AR, LA, MS, and TX See review
First United3.20% ($50k) 21-month Performance CD13 Oklahoma and 16 Texas counties See review
Union Bank & Trust3.15% ($25k), 3.04% ($1k) 27-month CD SpecialCO, IA, KS, MO, NE, and SD See review
Kellogg Community Credit Union3.15% ($500) 29-month CD Special15 west Michigan counties See review
BrightStar Credit Union3.10% ($500) 23-month Share CD23 Florida counties See review
Evergreen Bank Group3.05% ($10k) 29-month CD SpecialChicago metropolitan area See review
First Advantage Bank3.03% ($10k) 24-month CD SpecialTennessee and Kentucky See review
Navigant Credit Union3.00% ($500) 23-month CDRhode Island, Connecticut, Massachusetts Account review
Franklin Mint Federal Credit Union3.00% ($500) 24-month CD Special3 SE Pennsylvania and 1 Delaware counties See review
F&M Bank3.00% ($1k) 24-month My Choice CD7 middle Tennessee counties See review
General Electric Credit Union3.00% ($100k) 2-year Jumbo Certificate Special16 Ohio, 5 Kentucky, and 5 Indiana counties See review
St. Jean's Credit Union3.00% ($500) 25-month CD Special3 Massachusetts counties See review
Blue Hills Bank3.00% ($500) 29-month Flexible CDEastern Massachusetts Account review

3-Year CD Rates

Navy Federal Credit Union3.75% ($50) 40-month IRA Certificate Special Military relationship See review
INOVA Federal Credit Union3.50% ($50k) 30-month IRAEasy membership See review
Veridian Credit Union3.45% ($100k) 41-month Bump Up Jumbo CD Special Easy membership See review
Mountain America Credit Union3.35% ($500) 3-year Term DepositEasy membership See review
State Bank of India (IL)3.35% ($2.5k) 3-year CD
State Bank of India3.34% ($25k) 3-year Senior Citizen CD See review
Popular Direct3.30% ($10k) 3-year Popular Direct CDInternet bank See review
M.Y. Safra Bank3.26% ($5k) 36-month Online Promo CD See review
INOVA Federal Credit Union3.25% ($50k) 30-month CDEasy membership See review
MainStreet Bank (VA)3.25% ($500) 3-year CD See review
Latino Credit Union3.25% ($200k) 36-month Jumbo CD Easy membership See review
Veridian Credit Union3.25% ($1k) 41-month Bump Up CD Special Easy membershipSee review
Connexus Credit Union3.20% ($5k) 36-month Share CertificateEasy membership See review
KS StateBank3.10% ($500) 3-year CD See review
KS StateBank3.10% ($100k) 3-year Jumbo CD Internet Only SpecialSee review
Live Oak Bank3.05% ($2.5k) 3-year CDInternet bank Account review
First Internet Bank3.05% ($1k) 36-month CDInternet bank See review
Citizens Access3.05% ($5k) 36-month CDInternet bank Account review
Advancial3.05% ($50k) 3-year Jumbo CertificateEasy membership See review
Virtual Bank3.01% ($10k) 36-month eCD See review
USALLIANCE Financial3.00% ($500) 36-month CDEasy membership Account review
Fidelity Brokered CD3.00% (APR) 3-year non-callable CDIssued by WFB*
The Vanguard Group Brokered CD3.00% (APR) 3-year non-callable CDIssued by WFB*
Georgia Banking Company2.95% (3.50% 5-year Certificate closed after 3 years) See review
Michigan State University Federal Credit Union2.93% (3.46% 5-year Jumbo CD closed after 3 years)Easy membership See review
Ally Bank2.69% (3.10% High Yield 5-Year CD closed after 3 years)See review

Noteworthy Local Deals - 3-Year CDs

Oklahoma's Credit Union3.66% ($5k) 37-month CD Special8 central Oklahoma counties See review
Columbia Credit Union3.60% ($100k), 3.55% ($50k), 3.50% ($10k), 3.45% ($500) 30-month CDWashington State and 4 Oregon counties See review
Credit Union One of Oklahoma3.56% ($2.5k-$100k) 35-month Promotional Share Certificate6 Oklahoma counties See review
HRCU3.51% ($500) 30-month CD SpecialNew Hampshire See review
Northeast Credit Union3.50 ($1k) 35-month Share Certificate New Hampshire and south York County, Maine See review
Pelican State Credit Union3.50% ($500) 36-month CDEasy membership for AR, LA, MS, and TX See review
Gesa Credit Union3.50% ($500) 36-month Bump CertificateWashington State and 9 Idaho counties Account review
Gesa Credit Union3.50% ($500) 36-month Certificate SpecialWashington State and 9 Idaho counties Account review
Patelco Credit Union3.50% ($250) 3-year Flexible Rising Rate CD16 northern California counties Account review
Solvay Bank3.50% ($500) 36-month CD Special w/checking6 central New York counties See review
Sharon Bank3.50% ($5k) 39-month Promotional CDDelaware County (PA) and greater Philadelphia metro area See review
Centris Credit Union3.41% ($90k) 40-month Jumbo CD3 Nebraska and 1 Iowa counties See review
Jefferson Financial Credit Union3.40% ($10k) 36-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Neighbors Federal Credit Union3.37% ($1.5k) 36-month Share Certificate9 Louisiana parishes
Franklin Mint Federal Credit Union3.36% ($500) 36-month CDEasy membership for Pennsylvania and Delaware See review
BrightStar Credit Union3.35% ($500) 35-month Share CD23 Florida counties See review
Four Points Federal Credit Union3.35% ($10k) 30-month Certificate PromotionEasy membership for AR, IN, MI, NV, NC, OH, and OK See review
First United3.35% ($50k) 30-month Performance CD13 Oklahoma and 16 Texas counties See review
Tinker Federal Credit Union3.35% ($1k) 33-month Special Term Certificate3 Oklahoma counties See review
Navy Army Community Credit Union3.33% ($1k) 30-month CD8 South Texas counties See review
University of Iowa Community Credit Union3.30% ($100k), 3.20% ($10k), 3.10% ($1k) 35-month Bump Option CD Special All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Providence Bank3.30% ($100k) 30-month Jumbo CD 7 Missouri and 1 Illinois counties See review
Cross River Bank3.25% ($500) 36-month CDNew Jersey See review
Bankers Trust Company3.20% ($1k, base rate) 36-month Anniversary CD PromotionIowa and Arizona See review
TruMark Financial Credit Union3.20% ($75k) 36-month Jumbo CD5 SE Pennsylvania counties See review

4-Year CD Rates

State Bank of India3.44% ($25k) 4-year Senior Citizen CD See review
Community Financial Services Bank3.39% ($1k) 49-month CD Special See review
Georgia Banking Company3.35% ($500) 4-year Certificate See review
Popular Direct3.35% ($10k) 4-year Popular Direct CDInternet bank See review
Latino Credit Union3.30% ($200k) 48-month Jumbo CD Easy membership See review
Home Savings Bank3.25% ($5k) 48-month Internet Only CDAccount review
KS StateBank3.20% ($500) 4-year CD See review
First Internet Bank3.20% ($1k) 48-month CDInternet bank See review
Connexus Credit Union3.20% ($5k) 42-month Share CertificateEasy membership See review
KS StateBank3.20% ($100k) 4-year Jumbo CD Internet Only Special See review
Main Street Bank (MI)3.15% ($500) 48-month CD See review
Georgia Banking Company3.10% (3.50% 5-year Certificate closed after 4 years) See review
Michigan State University Federal Credit Union3.07% (3.46% 5-year Jumbo CD closed after 4 years)Easy membership See review
Fidelity Brokered CD3.05% (APR) 4-year non-callable CDIssued by GSB, WFB*
The Vanguard Group Brokered CD3.05 (APR) 4-year non-callable CDIssued by GSB, WFB*
Ally Bank2.80% (3.10% High Yield 5-Year CD closed after 4 years)See review

Noteworthy Local Deals - 4-Year CDs

Pelican State Credit Union3.61% ($500) 48-month CDEasy membership for AR, LA, MS, and TX See review
Cross River Bank3.56% ($500) 48-month CDNew Jersey See review
Tech Credit Union3.557% ($100k) 50-month Jumbo Compound CD4 NW Indiana and 2 NE Illinois counties See review
Bank of Utica3.50% ($500) 4-year to 5-year CD 3 upstate New York counties See review
The Fahey Banking Company3.50% ($500) 48-month CD w/qualifying Kasasa checkingOhio See review
Jefferson Financial Credit Union3.45% ($10k) 48-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Tech Credit Union3.428% 50-month Premium Compound CD4 NW Indiana and 2 NE Illinois counties See review
Neighbors Federal Credit Union3.41% ($1.5k) 48-month Share Certificate9 Louisiana parishes
Lewis Clark Union3.26% 48-month Share Certificate4 Idaho and 3 Washington counties See review
P1FCU3.25% ($500) 48-month Share Certificate12 Idaho and 2 Washington counties See review
Rocky Mountain Credit Union3.25% ($1k) 48-month Share Certificate8 southwest Montana counties See review
First Service Credit Union3.25% ($50k), 3.15% ($1k) 48-month CertificateFort Bank, Harris, and Waller Counties, Texas See review
TruMark Financial Credit Union3.25% ($75k) 48-month Jumbo CD5 SE Pennsylvania counties See review

5-Year CD Rates

Popular Direct3.60% ($10k) 5-year Popular Direct CDInternet bank See review
State Bank of India3.55% ($25k) 5-year Senior Citizen CD See review
United States Senate Federal Credit Union3.53% ($60k), 3.47% ($20k), 3.41% ($1k) 60-month CDEasy membership
Mountain America Credit Union3.51% ($500) 5-year Term DepositEasy membership See review
State Bank of India (IL)3.51% ($2.5k) 5-year CD
Mountain America Credit Union3.51% ($100k max) 5-year Term Deposit Plus (unlimited additional deposit)Easy membership See review
Georgia Banking Company3.50% ($500) 5-year Certificate See review
Utah First Credit Union3.50% ($500) 60-month CDEasy membership
Connexus Credit Union3.50% ($5k) 60-month Share CertificateEasy membership See review
Michigan State University Federal Credit Union3.46% ($100k) 5-year Jumbo CDEasy membership See review
KS StateBank3.35% ($500) 5-year CD See review
PenFed Credit Union3.35% ($1k) 5-year Money Market CertificateEasy membership See review
M.Y. Safra Bank3.35% ($5k) 60-month Online Promo CD See review
Latino Credit Union3.35% ($200k) 60-month Jumbo CD Easy membership See review
First Internet Bank3.30% ($1k) 60-month CDInternet bank See review
MutualOne Bank3.30% ($5k) 61-month CDSee review
The Vanguard Group Brokered CD3.20% (APR) 5-year non-callable CDIssued by BH*
Fidelity Brokered CD3.20% (APR) 5-year non-callable CDIssued by BH, GSB, WFB*

Noteworthy Local Deals - 5-Year CDs

Founders Federal Credit Union4.06% ($500) 60-month Share CertificateSouth Carolina See review
Bank of Utica4.00% ($500) 5-year CD 3 upstate New York counties See review
The Fahey Banking Company4.00% ($500) 60-month CD w/qualifying Kasasa checkingOhio See review
First Guaranty Bank3.75% ($500) 5-year CD Special9 Louisiana parishes and 5 Texas counties See review
The Harbor Bank of Maryland3.71% ($1k) 60-month IRA SpecialDE, MD, NJ, PA, VA, WV, and DC See review
Pelican State Credit Union3.71% ($500) 60-month CDEasy membership for AR, LA, MS, and TX See review
Alaska USA Federal Credit Union3.70% ($250k), 3.55% ($100k), 3.45% ($50k), 3.35% ($25k), 3.30% ($10k) 60-month CDAlaska, Washington, San Bernardino County (CA), Maricopa County (AZ) See review
Jefferson Financial Credit Union3.61% ($10k) 60-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Shell Federal Credit Union3.60% ($50k), 3.55% ($500), 3.45% ($50k) 60-month Share CertificateHarris County, Texas See review
Neighbors Federal Credit Union3.57% ($1.5k) 60-month Share Certificate9 Louisiana parishes
The Harbor Bank of Maryland3.56% ($1k) 60-month CD SpecialDE, MD, NJ, PA, VA, WV, and DC See review
Texas Bay Credit Union3.56% ($50k) 60-month Jumbo CertificateGreater Houston metro area See review
Mercantil Bank3.50% ($500) 60-month Online CDFlorida and Texas See review
Rocky Mountain Credit Union3.50% ($1k) 60-month Share Certificate8 Montana counties See review
Knoxville TVA Employees Credit Union3.50% ($2.5k) 60-month Certificate Special (new money)8 east Tennessee counties See review
National Bank of New York City3.45% ($2.5k) 54-59 month CDNYC, Long Island, Westchester See review
Knoxville TVA Employees Credit Union3.40% ($2.5k) 60-month Certificate Special (not new money)8 east Tennessee counties See review
Texas Bay Credit Union3.35% ($1k) 60-month CertificateGreater Houston metro area See review
Lewis Clark Union3.35% 60-month Share Certificate4 Idaho and 3 Washington counties See review
P1FCU3.35% ($500) 60-month Share Certificate12 Idaho and 2 Washington counties See review

Over 5-Year CD Rates

First National Bank of America3.55% ($1k) 84-month Time CD
Andrews Federal Credit Union3.45% ($1k) 84-month Share CertificateEasy membership See review
The Vanguard Group Brokered CD3.45% (APR) 10-year non-callable CDIssued by CITI, GSB, WFB*
Fidelity Brokered CD3.45% (APR) 10-year non-callable CDIssued by GSB*
KS StateBank3.40% ($500) 7-year CD See review
Signal Financial Credit Union3.35% ($500) 72-month Share Certificate Easy membership See review
M.Y. Safra Bank3.35% ($5k) 72-month Online Promo CD See review
PenFed Credit Union3.35% ($1k) 7-year Money Market CertificateEasy membership See review
Navy Federal Credit Union3.35% ($100k), 3.25% ($50k) 3.10% ($1k) 7-year CDMilitary relationship See review
The Vanguard Group Brokered CD3.35% (APR) 7-year non-callable CDIssued by GSB*
Fidelity Brokered CD3.35% (APR) 7-year non-callable CDIssued by GSB*
Navy Federal Credit Union3.30% ($100k), 3.20% ($50k) 3.05% ($1k) 6-year CDMilitary relationship See review
AFFCU (formerly Air Force Federal Credit Union)3.20% ($2.5k) 7-year CD Easy membership See review
Marcus by Goldman Sachs3.15% ($500) 6-year High Yield CD
Vio Bank3.15% ($500) 120-month High Yield Online CD Internet bank See review
Apple Federal Credit Union3.15% ($500) 120-month CD
Vio Bank3.10% ($500) 84-month High Yield Online CD Internet bank See review

Noteworthy Local Deals - Over 5-year CDs

First Community Credit Union3.75% ($500) 72-month CD5 Missouri and 3 Illinois counties Account review
Lebanon Federal Credit Union3.55% ($500) 66-month CD SpecialLebanon County, Pennsylvania
Gesa Credit Union3.50% ($500) 84-month CertificateWashington State Account review
Credit Human (formerly San Antonio Federal Credit Union)3.35% ($1k) 120-month Share CertificateSan Antonio, TX
Randolph-Brooks Credit Union3.30% ($1k) 84-month CDSan Antonio and Austin, TX, relationship to Randolph Air Force Base
Fairfax County Credit Union3.25% ($2.75) 72-month Share CertificateFairfax County, Virginia Account review
Roselle Savings Bank3.25% ($1k) 84-month CD7 Northern New Jersey counties
Security Service Federal Credit Union3.25% ($50k), 3.20% ($25k), 3.15% ($500) 7-year CDSelect areas in Texas, Colorado, and Utah
Afena Credit Union3.20% ($100k) 84-months Share CertificateGrant and Wabash Counties, IN

* BH (Bank Hapoalim), BLEU (Bank Leumi), BMNA (Bank NY Mellon), BMOH (BMO Harris), BoA (Bank of America), BothW (Bank of the West), CBNA (Citizens Bank NA), F3rdB (Fifth Third Bank), FFB (First Foundation Bank), GSB (GS Bank), HWB (Hancock Whitney Bank), ICBC, Industrial & Commercial Bank of China), KEY (Key Bank), MCBKX (Mountain Community Bank Knoxville), META (Meta Bank), PWB (Pacific Western Bank), SB (Safra Bank), UQB (Umpqua Bank), VRTX (Veritex Community Bank), WFB (Wells Fargo Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

Signature Federal Credit Union2.75% ($500) 13-month Advantage CertificateEasy membership
Andigo2.75% ($1k) 14-month CD SpecialEasy membership
Consumers Credit Union2.85% ($100k) 15-month Jumbo CD SpecialEasy membership Account review
Consumers Credit Union2.75% ($250) 15-month CD SpecialEasy membership Account review
ConnectOne Bank3.15% ($500) 23-month Online CD See review
Consumers Credit Union3.35% ($100k) 45-month Jumbo CD SpecialEasy membership Account review
Consumers Credit Union3.25% ($250) 45-month CD SpecialEasy membership Account review

CDs Removed, No Longer Available - Local

Associated Credit Union of Texas3.00% ($500) 13-month New Money CD9 Texas counties See review
North Shore Bank2.75% ($5k) 13-month CD PromoEastern Wisconsin See review
Affiliated Bank2.75% ($10k) 13-month CD SpecialDallas, Tarrant, and Travis Counties, Texas See review
Pawtucket Credit Union3.00% ($1k) 15-month CDRhode Island, Massachusetts, Connecticut See review
Mutual Security Credit Union3.25% ($2.5k) 22-month CD Special3 Connecticut counties See review
Enterprise Bank NJ3.25% ($1k) 24-month CDNorthern New Jersey See review
First Eagle Bank3.00% ($2.5k) 24-month CD SpecialConnecticut See review
Midwest BankCentre3.00% ($5k) 24-month CD SpecialGreater St. Louis metro area See review
APG Federal Credit Union3.50% ($100) 30-month CD SpecialCecil and Harford Counties, Maryland Account review
United Federal Credit Union3.40% ($500) 48-month Certificate SpecialEMR for AR, IN, MI, NV, NC, OH, OK See review
BMO Harris Bank3.50% ($5k) 60-month Special Rate CDAZ, FL, IL, IN, KS, MN, MO, and WI See review

CDs Removed, Rate Too Low - National

ableBanking2.60% ($1k) 1-year CDInternet bank See review
ableBanking2.65% ($1k) 2-year CDInternet bank See review
First Financial Northwest Bank2.90% ($100k) 2.70% ($25k) 36-month CD See review
ableBanking2.75% ($1k) 3-year CDInternet bank See review
ableBanking2.80% ($1k) 4-year CDInternet bank See review
Third Federal Savings & Loan3.25% ($500) 59-month CD Special See review

CDs Removed, Rate Too Low - Local

New Millennium Bank2.65% ($10k) 12-month CD SpecialNorthern New Jersey and NYC See review
Amplify Credit Union2.25% ($500) 18-month CDEasy membership for Texas residents Account review
National Bank of New York City2.96% ($2.5k) 24-29 month CDNYC, Long Island, Westchester See review
Pawtucket Credit Union2.75% ($1k) 25-month CD SpecialRhode Island and portions of Massachussets and Connecticut Account review
1st MidAmerica Credit Union3.03% ($1k) 35-month CD21 southern Illinois and 1 Missouri counties
National Bank of New York City3.10% ($2.5k) 36-41 month CDNYC, Long Island, Westchester See review
National Bank of New York City3.20% ($2.5k) 48-53 month CDNYC, Long Island, Westchester See review
National Bank of New York City3.15% ($2.5k) 42-47 month CDNYC, Long Island, Westchester See review

Post Publication Edits

1/17/2019: United States Senate Federal Credit Union 60-month CD rates lowered.
1/18/2019: PenFed Credit Union 5 and 7-year Money Market Certificate rates lowered.

Related Pages: money market accounts, 1-year CD rates, 5-year CD rates, nationwide deals, Internet banks
Comments


#1 - This comment has been removed for violating our comment policy.
Milty
Milty   |     |   Comment #3
It appears the 3yr-CD rate at ableBanking is now 2.75% vs 3.30%.
RichReg
RichReg   |     |   Comment #4
Ken;
FYI;
Premier America's 15 month CD was replaced by a new 16 month CD special yielding 3.15%.
Mike
Mike   |     |   Comment #5
Ken, founders SC 5 year deal is no longer shown on their website.
:-(
:-(   |     |   Comment #6
Patelco also seems to have ended their flexible CD offering.
enelrad1123
enelrad1123   |     |   Comment #7
Total Direct Bank is offering a 12 month CD for 2.91%, minimum deposit $25,000. They do not compound interest but will either ACH your interest monthly or mail you a check. It was a very easy account opening process and the CSR I spoke with was very helpful.
dick THE WEASEL durbin
dick THE WEASEL durbin   |     |   Comment #8
Ally money waiting for sweet deal!
#12 - This comment has been removed for violating our comment policy.
MDH71
MDH71   |     |   Comment #9
Received my cash bonus email from Ally at 3:07 pm ET today. It stated that the bonus would be deposited into my Ally savings account on or around 2/5/2019.
mix
mix   |     |   Comment #10
3 month T-Bills seemed like the place to be for me to ride the interest rate hikes. That seems to have changed in the last few weeks. Now what?
jrz83
jrz83   |     |   Comment #11
The most recently auctioned 3-month (13-week) TBill has a rate of 2.453%. What's wrong with that...it has the same current yield as VMMXX and it has a tax equivalent yield advantage over VMMXX. If you want a shorter term, 4-week TBills currently yield about the same as 13-week TBills.
111
111   |     |   Comment #15
#11 - The tax-equivalent yield advantage of T-bills over VMMXX (currently at 2.49%, compounded) is of course because T-bills are not subject to state or local income tax. Just kind of a detail / curiosity - there are a few states which levy state income taxes, but do not tax withdrawals from retirement accounts (including IRAs and 401Ks). I live in such a state, although it manages to tax just about everything else.

Anyway, for the sake of liquidity (and as "ballast" for the non-volatile portion of my asset allocation plan), I devote some IRA "space" to VMMXX. In such states, the tax treatment of VMMXX funds when withdrawn from an IRA is the same as for T-bills in taxable accounts. Of course, the same would be true of any liquid funds in an IRA in those states. (And certainly, IRAs have other restrictions, as well other benefits.)
jrz83
jrz83   |     |   Comment #18
Thanks 111, that's great information to know! I was not aware of that situation. After doing some searching it looks like MS, IL, & PA have unlimited exemption from IRA income. The no-income-tax states include: AK, FL, NH, NV, SD, TN, TX, WA & WY (However, TN & NH do tax dividends & interest income). From the clues you provided in your comment, I predict you live in PA or IL. Am I correct? Unfortunately I don't live in any of these 12 states. BTW, when I did my comparison yesterday I was utilizing the 2.46% (7-day yield) which Ken typically posts for VMMXX, not the 2.49% (compound yield) which you mentioned.
111
111   |     |   Comment #19
Well, I don't live in the state where the groundhog may or may not be coming out of his hole next month. I live in the one where our state finances are IN a large hole, and where many of our ex-Governors helped make our license plates.

And yes, my earlier post concerns what is clearly a "niche" thing.
mix
mix   |     |   Comment #22
"If you want a shorter term, 4-week TBills currently yield about the same as 13-week TBills." That's just it, there is no spread. Virtually no difference between 4, 8 and 13-week bills and no upwards rate movement.
jrz83
jrz83   |     |   Comment #23
Yes, I guess the short term upward rate movement is on hold for the next few months.
Bankity
Bankity   |     |   Comment #13
USSFCU just dropped to 3.53% on their 5 yr today. I literally just got in under the wire yesterday. They are pretty slow at opening accounts.
Mak
Mak   |     |   Comment #14
Just opened one 2 days ago, was thinking about waiting but glad I didn't.
Milty
Milty   |     |   Comment #16
I noticed that as well, was 3.69% I think. PopularDirect still has their 5yr [email protected]%. I've got a bunch of CDs coming due this year and am concerned at the direction things are going so far.
Bankity
Bankity   |     |   Comment #42
I opened a 5 yr CD at 3.69% with USSFCU on 01/17/19. A few days later I moved more money over to USSFCU with the intent to open another 3.69% CD when overnight the rate fell 3.53%. I called and I asked the CSR if the rate went down overnight and she said yes. But since I opened a CD at 3.69% two days ago, she gave me the 3.69% rate. They may have been really slow at opening my account, but the CS is really great.
Mak
Mak   |     |   Comment #17
Connexus raised their 5 year CD to 3.63%
RichardW
RichardW   |     |   Comment #20
Unfortunately the best rates available for 1-yr, 18-mo, 2-yr, and 3-yr term, new issue, non-callable, brokered CDs offered at Fidelity and Vanguard continue to decline. As of 4 pm ET today, the best rates offered at Fidelity and Vanguard are: 1-yr @ 2.50%, 18-mo @ 2.60%, 2-yr @ 2.70%, and 3-yr @ 2.95%.
#21 - This comment has been removed for violating our comment policy.
Bankity
Bankity   |     |   Comment #26
PenFed 5 and 7 yr rates dropped to 3.35 this morning.
deplorable 1
deplorable 1   |     |   Comment #27
From everything I'm seeing in articles lately it looks like the FED is preparing to pause in March. It looks like all the members are talking about being patient with rate hikes and looking at incoming data. This doesn't mean they won't hike again in June though. Judging from the extreme lack of CD specials after the last FED hike it appears that banks know what is going to happen in advance. I personally don't think they should pause as inflation is still above 2%, the economy is strong, wages have increased, taxes have been cut, the markets have recovered and the price of oil is rising again. They are sending a strong pause signal though.
#28 - This comment has been removed for violating our comment policy.
off the chain again?
off the chain again?   |     |   Comment #29
isnt there a thread devoted to FED SPEAK???
Bozo
Bozo   |     |   Comment #30
Deplorable 1 (re comment #27): My preference is to stay short and liquid, as things can turn on a dime. For example, with Alliant offering 2% on its savings account, and 2.7% on its one-year CD, and INOVA 3.4% on its 20-month IRA CD, it's not as if the sky were falling. Having lived with "three for five" for the past few years (as in, the 3% for 5-years club), we may have become complacent. I still suspect rates will go up, albeit more slowly.
Brokered
Brokered   |     |   Comment #31
#30
Brokered 10-yr dropped from 3.65% to a recent 3.4% headed down to 3.35%. There's one bank at 3.3% for the 10-yr. It's interesting to see the trend line on one screen.

Brokered 7-yr at 3.35% moving to 3.3%.

Brokered 5-yr at 3.2% moving to 3.15%, 3.1% and there's a lone offering at 2.85%.

ALL are new issue CD's.
Bozo Indicator
Bozo Indicator   |     |   Comment #32
PLEASE check the Vanguard Prime Money Market - aka Bozo Indicator.

It is a fact that this will indicate a decline in interest rates. The money market rate has NOT DECLINED and thus CD rates will NOT decline.
Brokered
Brokered   |     |   Comment #33
#32
They already have.
jrz83
jrz83   |     |   Comment #35
Brokered (comment #30), what screen are you looking at that shows a 5-year, new issue, non-callable, brokered CD at 2.85%? I've checked the Fidelity, Vanguard, Morgan Stanley, and TD Ameritrade trade screens and the lowest they show is 3.10%. You're not talking about one of those outlier CALLABLE brokered CDs are you? Ken only compares rates for non-callable, brokered CDs in his bi-weekly summaries posted here.
jrz83
jrz83   |     |   Comment #36
In my previous post that should read: "Brokered (comment #31)"
Brokered
Brokered   |     |   Comment #37
#35
Different major brokerage.
The 2.85% is new issue, non-callable, survivor's option due 2/15/2024
It's preceded in the list by 5-yr rates of 3.1%, 3.15%, 3.2%
I'll assume the higher rates sell first unless someone has an FDIC limit concern.

The 2.85% may languish if other banks add issues with higher rates. I don't know. I just posted what I saw and it indicated a downward trend.

I watched the 10-yr 3.65% go to 3.6%, 3.55% 3.5% and now 3.4% in a short time frame. That list now contains 10-yr at 3.4%, 3.35% and 3.3%.

I have no idea what the "trends" mean but, on the surface, they indicate someone believes they can sell 5/10 year CD's for a lower price than last month and even less as time passes.

I found this data interesting so I posted it.
Brokered
Brokered   |     |   Comment #38
I just checked my account.
I have 12 brokered CD's of varying amounts and ages ranging from 2.65% to 3.65%.

Every one showed an increase in market value on Friday. Since some have aged several years it's interesting to see market value fluctuations over time. As they should be with rates retreating slightly, my recent purchases are now over par for market value.

Again, not much science here but an interesting observation IMHO.
Brokered
Brokered   |     |   Comment #39
PenFed rates dropped...
https://www.depositaccounts.com/banks/pentagon-fcu/offers/#94
Brokered
Brokered   |     |   Comment #40
Sorry, older news...already reduced in early December.
deplorable 1
deplorable 1   |     |   Comment #34
@Bozo: I'm doing the same thing and staying short and liquid with some add-on CDs as a back up plan. While I still believe we are in a rising interest rate environment we may have hit a temporary lull. It looks like some banks and credit unions have lowered their rates while others are still rising. I use my corporate debt accounts as a rate indicator like you use VMMXX and they have all hiked their interest rate after the last FED hike.
Bankity
Bankity   |     |   Comment #43
The one time I am going to to agree with D1. I feel it is a lull.
Anonymous
Anonymous   |     |   Comment #41
Regarding INOVA credit union --- I also posted in last months's Inova Post on the Blog:

This is now Jan. 21 and there have been more rate drops and then new rate increases and rate drops posted for INOVA --- MAKING THEM APPEAR AS A BAIT AND SWITCH OPERATION!!!!!!!!!!!!!!!!.

I have crossed them off my list of financial institutions I will attempt to do business with. I'm grateful for the info posted by some who attempted to open CDs with them and were disappointed with the disappearing and lowered rates!

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