Alliant Credit Union CD rates

This Alliant Credit Union CD rates October Review 2011 is the first one of the year for the fifth largest credit union in the nation. This CU was first established for the employees of United Airlines. Since 1935, they have been offering quality financial services to their membership which has grown to 260,000 worldwide today.

For investing your money the certificates of deposit have a higher than average rate for the US at this time. The CD rates are also in a tiered format with the minimum levels of deposit being $1,000 and $25,000.

The current bank CD rates include the 1 year to 17 month CD that is earning an APY of 1.20% and 1.30% respectively.

The 18 to 23 month CD is earning an APY of 1.45 and 1.55% APY. The 2 year to 35 month CD is earning an APY of 1.60% to 1.70%.

The 3 year to 47 month CD is earning an APY of 1.80% and 1.90%. The best CD rates are from the 4 to 5 year CD that is earning an APY of 2.10% and 2.20%.

These came CD rates are also available for the traditional IRA CDs, the Roth IRA CDs, SEP IRA CDs and the Coverdell ESA CDs. The same minimum levels of deposit are also required.

You can open a CD account online. All of the IRA and Coverdell accounts must be opened at one of the Alliant CU branch offices.

These Alliant CD rates were posted on October 6, 2011 but are subject to change without any prior notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best CD Rates from Tioga-Franklin Bank

This Tioga-Franklin Bank CD rates October Review 2011 out of Pennsylvania is long overdue. It is true that the CD rates from this bank have declined in the past 6 months since our last visit, but they were well above the national average where they still remain.

If you are considering investing your money with Tioga-Franklin Bank, you should know their CD rates have been reduced by 0.15% to 0.45% APY in the past 6 months.

To open the certificates of deposits accounts a minimum deposit of $500 must be made for terms of 1 year or greater. The 6 month CD requires a minimum deposit of $1,000

The current bank CD rates include the 6 month CD that is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.10%.

The 2 year CD is earning an APY of 1.30%. The 3 year CD is earning an APY of 1.55%. The 4 year CD is earning an APY of 1.75%.

The best CD rates are from the 5 year CD that is earning an APY of 2.10%.

There is also a jumbo 90 day CD that is earning an APY of 1.00% with a minimum deposit of $100,000 required.

All of these CD rates are fixed term and fixed interest rates. There will be a penalty assessed the account if an early withdraw does occur before the maturity date.

The same CD rates are available for an IRA CD with terms from 1 to 5 years. The minimum deposit required is $250.

These Tioga-Franklin CD rates were posted on August 22, 2011 but were still current in the first month of October 2011 but all rates are subject to change without prior notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, Best Cd Rates, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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The Best CD Rates from Community Bank Nevada, Iowa

This Community Bank CD rates September Review 2011 has uncovered once again a financial institution that has lowered its CD rates since we last visited their establishment. For clarification this Community Bank is located in Nevada, Iowa.

At one time this year the Community Bank had some of the highest CD rates in the nation for investing your money. To obtain the certificates of deposits you must make a deposit of $1,000. These CD rates are only available to the local market. Unfortunately the definition of just what the local market is has not been made clear.

The reduction in the CD rates is between 0.25% and 0.50% over the different terms being offered.

The current bank CD Rates include the 6 month CD that is earning an APY of 0.75%. The 9 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.00%.

The 18 month CD is earning an APY of 1.00%. The 2 year CD is earning an APY of 1.25%. The 3 year CD is earning an APY of 1.25%.

The 4 year CD is earning an APY of 2.00%. The best CD rates are from the 5 year CD that is earning an APY of 2.00%.

The CD rates are not guaranteed by the Community Bank until a deposit is made at the bank. Unlike most other financial institutions this bank does not allow any early withdraw of the funds placed on deposit in their CDs.

The deposits do earn interest that is compounded on a daily basis for 365 days a year.

These Community CD rates were posted on June 1, 2011 and were still current as of September 30, 2011, but are still subject to change without any prior notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CD Rates from Stonebridge Bank

Stonebridge Bank services include real-time balance views and transfers, account history, single and multiple bill payments, check images online, and much more. Plus Stonebridge Bank offers competitive rates on auto loans, home equity loans, and personal credit lines. Your loan application can be taken online, over the phone, or in person.

This Stonebridge Bank CD Rates September Review 2011 is long overdue. While this is a small community bank located in Chester County Pennsylvania, they are one of the banks that offer their CD rates near the top for the nation. This makes investing your money at Stonebridge Bank a wiser choice than the larger conglomerates in the financial world.

The current bank CD rates include the 6 month CD that is earning an APY of 0.85%. The 1 year CD is earning an APY of 1.05%. The 14 month CD is warning an APY of 1.10%.

The 18 month CD is earning an APY of 1.20%. The 21 month CD is earning an APY of 1.20%. The 2 year CD is earning an APY of 1.30%.

The 30 month CD is earning an APY of 1.40%. The 3 year CD is earning an APY of 1.50%. The best CD rates are from the 5 year CD that is earning an APY of 2.05%.

To open certificates of deposits account and obtain the stated APY’s a minimum of $500 must be placed in the account.

All terms are fixed rate accounts. The 14 month CD renews as a 1 year CD upon maturity. The 21 month CD renews as an 18 month CD upon maturity.

The CD accounts may be opened at any local branch office or with the Stonebridge Bank online banking service.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best CD Rates from California First National Bank

This California First National Bank CD rates September Review 2011 has been initiated because of the changes that have occurred at this financial institution since our last update. All of the CD rates being offered by the California First National Bank have decreased by 0.10% to 0.35% in their APY’s.

This makes investing your money with this financial institution not as profitable as it was just 3 months ago. This is a national trend of decreasing rates and not a sign that the CFNB does not want your business.

To obtain the stated APYs for the certificates of deposits a minimum deposit amount of $2,000 must be made for an IRA and $5,000 for a standard CD account.

The current bank CD Rates include the 3 month CD that is earning an APY of 0.40%. The 6 month CD is earning an APY of 0.88%. The 1 year CD is earning an APY of 0.95%.

The 2 year CD is earning an APY of 1.15%. The best CD rates are from the 3 year CD that is earning an APY of 1.45%.

This is a financial intuition that is use to contacting their customers via the phone and over the internet. This allows for each customer to use the medium of communications they prefer.

All of the CalFirst CD rates are of a fixed rate for the term of the investment. Each term is subjective to a penalty if an early withdraw occurs.

The California First National CD rates were posted on September 18, 2011 but are subject to change without any prior notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best CD Rates from Liberty Bank

This Liberty Bank CD rates September Review 2011 was conducted because of the drop in the rates this financial institution is providing their clients. This lowering of the rates includes very term at this time.

When looking toward investing opportunities for your money, this downward trend in CD rates is now a common thing to find across America.

The standard bank CD Rates include the 91 day CD that is earning an APY of 0.01%. The 6 month CD is earning an APY of 0.15%. The 1 year CD is earning an APY of 0.20%.

The 18 month CD is earning an APY of 0.25%. The 2 year CD is earning an APY of 0.30%. The 30 month CD is earning an APY of 0.35%. The 3 year CD is earning an APY of 0.40%.

The 42 month CD is earning an APY of 0.75%. The best CD rates are being offered as the 5 year CD that is earning an APY of 1.00%.

The Liberty Gift Certificates of Deposit that you can give friends and family members have the following rates. The 1 year CD is earning an APY of 0.20%.

The 2 year CD is earning an APY of 0.30%. The 3 year CD is earning an APY of 0.40% and the 5 year CD is earning an APY of 1.00%.

All of the above certificates of deposits require a minimum deposit of $2,500 to open an account and obtain the stated CD rates. All of the rates are of a fixed term for the life of the deposit.

The IRA CDs include the 1 year CD that is earning an APY of 0.25%. The 18 month CD is earning an APY of 0.30%.

The 3 year CD is earning an APY of 0.40%. The 5 year CD is earning an APY of0.80% and the 7 year CD is earning an APY of 1.00%. These IRA CDs require a minimum deposit of $500 to open an account.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Am Trust Bank providing Best CD Rates in 2011

This Am Trust Bank CD Rates September Review 2011 found that the same trend that has been occurring in the financial world with decreasing CD rates has not occurred with this bank. This makes the opportunity for investing your money a more stable decision with Am Trust Bank than with most other banks at this time.

The current Am Trust Bank CD rates include the 4 month CD that is earning an APY of 0.25%. The 6 month CD is earning an APY of 0.70%. The 9 month CD is earning an APY of 0.50%.

The 1 year CD is earning an APY of 0.40%.The 13 month CD is earning an APY of 0.50%. The 30 month CD is earning an APY of 1.50%.

The 3 year CD is earning an APY of 1.75%. The best CD rates are from the 5 year CD that is earning an APY of 2.25%.

The minimum deposit amount required to open a CD account and obtain the stated CD rates is currently $1,000.

When visiting the website, you have a choice of stating you live in Florida, Arizona or in any other state of the union other than Ohio when needed information relevant to your location. For Ohio residents the name of the financial institution is Ohio Savings Bank.

At this time all of the certificates of deposits rates are the same no matter where you reside. All terms are also fixed rates for the term of the deposit.

The Am Trust Bank CD Rates were posted on September 1, 2011 but are subject to change without any prior notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best US Bank CD Rates Today

The Best US Bank CD rates Today is being updates since they have been changed since the last notification of these rates from this site. Like nearly all other financial institutions, the US Bank CD rates have been lowered since our last update.

This constantly changing market that the CDs are in is one of the reasons this site continuously monitors their rates. It also does this so you will have the latest information available to you so investing your money can be done in the wisest manner for you and your family.

The current bank CD rates include the special CDs that can be obtained with a minimum deposit of $1,000. The 21 month CD special is earning an APY of 1.10%. The 37 month CD special is earning an APY of 1.35%. The best CD rates are from the 59 month CD special that is earning an APY of 2.13%.

The standard certificates of deposits are from terms of 1 month to 5 years with a minimum deposit of $500 required.

The 1 month CD is earning an APY of 0.05%. The 2 month CD is earning an APY of 0.05%. The 3 month CD is earning an APY of 0.05%. The 6 month CD is earning an APY of 0.05%. The 9 month CD is earning an APY of 0.05%.

The 1 year CD is earning an APY of 0.10%. The 18 month CD is earning an APY of 0.25%. The 2 year CD is earning an APY of 0.45%. The 3 year CD is earning an APY of 0.60%. The 4 year CD is earning an APY of 1.01%. The 5 year CD is earning an APY of 1.40%.

This Best US Bank CD Rates Today was posted on August 15, 2011 but is subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best American Express Bank CD Rates Today

The Best American Express Bank CD rates Today is being updated to help keep you abreast of the latest changes to this conservative investment strategy for investing your money.

The current bank CD Rates include the 6 month CD that is earning an APY of 0.50%. The 1 year CD is earning an APY of 0.90%. The18 month CD is earning an APY of 1.00%.

The 2 year CD is earning an APY of 1.25%. The 3 year CD is earning an APY of 1.45%. The 4 year CD is earning an APY of 1.60%.

The best CD rates are from the 5 year CD is earning an APY of 2.15%. Each of these certificates of deposits can be obtained with a minimum deposit of $1.00.

Unlike most of the other financial institutions in America, the AMEX Bank has not lowered their CD rates lately.

The maturity period of the AMEX CDs allows for a grace period of 10 days in which you can withdraw your funds without any penalty, invest more money or just leave as is to be reinvested in a like CD under the new terms if they have changed since the last CD was obtained.

You can have the interest of your CD withdrawn on a monthly, quarterly or annual basis, but then the CD will only earn the stated interest rates and not the APYs given above.

This Best American Express Bank CD Rates Today was posted on August 13, 2011 but is subject to change without notice. Your specific rate will become locked once a deposit is received by the American Express Bank.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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The Best CD Rates to Invest with a 2 year Term

The best CD rates today August 2011 2 year Term that are currently posted are just before the markets open after the first downgrade of America’s credit rating. The bank CD rates are not expected to be severely affected, but the stock market is expected to continue on its downwards spiral. This makes investing your money in CDs, Gold and silvers your best and safest options at this time.

The best CD rates at this time on a 2 year CD is from Academy Bank. They are offering certificates of deposits that have an APY of 1.50% with a minimum deposit of $500.

Aurora Bank ahs the second best 2 year CD rate at this time. Their 2 year CD is earning an APY of 1.46%. The minimum deposit required to obtain this rate is $1,000.

First Command Bank falls into third and is new to this monthly listing. Their 2 year CD is earning an APY of 1.45% with a minimum deposit of $1,000.

There are six financial institutions that presently have a 2 year CD that is earning an APY of 1.40%. This list includes Discovery Bank, USAA Bank, Quaint Oak Bank, Stone Bridge Bank, Flag Star Bank and Colorado Savings Bank. The minimum deposits required at each financial institution are $2,500, $1,000, $500, $500, $500, and $5,000 respectively.

As the markets change so do the CD rates at financial institutions. A great example of this is Hudson River Bank. Last week their 2 year CD was earning an APY of 1.50%, on Friday they lowered it to 1.30%.

The best CD rates today August 2011 2 year Term listed were accurate as of August 8, 2011 but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best Empire State Bank CD Rates

Empire State Bank is the Mid-Hudson Valley's newest community bank founded in 2004. They are committed to delivering exceptional service to the Newburgh and New Paltz NY areas by providing customers with access to bankers who are empowered to solve problems at their point of origin.

The best Empire State Bank CD rates today are being updated because of the recent changes in the amount of a return the certificates of deposit have on investing your money with them. To obtain the stated APY’s below a deposit of $1,000 or more is required.

The current bank CD rates include the 3 month CD that is earning an APY of 0.60%. The 5 month CD is earning an APY of 0.60%. The 6 month CD is also earning an APY of 0.60%.

The 1 year CD is earning an APY of 1.00%.The 18 month CD is earning an APY of 1.05%. The 2 year CD is earning an APY of 1.65%. The 30 month CD is earning an APY of 1.75%.

The 3 year CD is earning an APY of 2.10%. The 4 year CD is earning an APY of 2.25%. The best CD rates are from the 5 year CD that is earning an APY of 2.50%.

These CD rates are available for both the standard CDs and the IRA CDs.

There is an additional 36 month Access CD that is earning an APY of 1.05%. This CD allows a person access to their money after it has been on deposit for 18 months without a penalty for early withdraw.

The Empire State Bank was created back in 2004 to help serve the needs of the people in the Hudson River Valley and New York Metro area.

The Best Empire State Bank CD Rates Today was posted on July 28, 2011 but is subject to change without notice.

For additional resources about CDs on this website, http://www.bestcdratestoday.com. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CD Rates from One West Bank

OneWest Bank is the largest Southern California based bank and is focused on delivering personalized, relationship-based banking to its customers. The bank has 78 retail branches conveniently located throughout Southern California to serve consumers and businesses, small and large. With total assets of $27 billion, OneWest has the size and strength to offer a wide array of banking products and services and the stability to protect its depositors.

The Best One West Bank CD rates today are broken down into a tiered format with options of online, branch office or IRA. When closely looking at these CD rates, it is observed they are all the same at this time for each associated term. This makes investing your money in certificates of deposits a simpler choice since you can chose the one that fits you best without any loss of revenue that fits your personal needs.

The current bank CD rates include the 3 and 4 month CD that is earning an APY of 0.70%. The 6 month CD is earning an APY of 0.95%. The 9 month CD is earning an APY of 1.00%.

The 1 year CD is earning an APY of 1.10%. The 13 month CD is earning an APY of 1.15%. The 18 month CD is earning an APY of 1.20%.

The 2 year CD is earning an APY of 1.30%. The 3 year CD is earning an APY of 1.75%. The 4 year CD is earning an APY of 1.90%.

The best CD rates are from the 5 year CD that is earning an APY of 2.40%. Each of these CDs have a minimum deposit amount of $1,000 to open and obtain the stated APY’s.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Best CD Rates from Cathay Bank

The best Cathay Bank CD rates today are from a financial institution that was established in 1962 to serve the Chinese community in the greater LA area. They since have realized their community is more diverse that just descendents from China and have opened their doors to anyone who is in need of their services for investing and saving their money.

The certificates of deposits from Cathay Bank are offered in a tiered format with the minimum deposit levels being $2,500 and $50,000.

The current bank CD rates include the 7 to 31 day CD that is earning an APY of 0.10% and 0.15% respectively. The 32 to 89 day CD is earning an APY of 0.15% and 0.20%.

The 90 to 179 day CD is earning an APY of 0.30% and 0.40% respectively. The 180 to 364 day CD is earning an APY of 0.60% and 0.60%. The 1 year to 23 month CD is earning an APY of 0.80% and 0.80%.

The 2 year to 35 month CD is earning an APY of 1.00% and 1.00%. The best CD rates are from the 3 to 5 year CD that is earning an APY of 1.10% and 1.20%.

Cathay Bank also has jumbo rates available but a local branch office has to be contacted to obtain those CD rates. The above rates apply for the states of California, Texas and Washington. Rates in other states may vary.

These best Cathay Bank CD rates today were posted on July 19, 2011 but are subject to change at the discretion of the bank.

For additional resources about CDs on this website, please visit http://www.bestcdratestoday.com. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Highest CD Rates from Santander Bank

Considered the Best Bank in the World, the Santander Bank CD rates are the topic for the site Highest CD Rates. This financial institution has also been named the one of the safest banks in the world by Global Finance magazine. They currently have over 80 million customers in 40 different countries that trust them with their financial matters.

In America the Santander Bank certificate of deposit rates are listed under their subsidiary named Sovereign Bank.

The current CD rates for the promotional 18 month CD is an APY of 1.15%. This offer has a minimum deposit for the CD of $500.

The current rising rate CDs with a checking account include the 1 year CD that is earning an APY of 0.55%, 0.60% and 0.65% respectively. The 2 year CD is earning an APY of 0.40%, 0.45% and 0.50%. The 3 year CD is earning an APY of 0.60%, 0.65% and 0.70%.

The current rising standard rate CDs include the 1 year CD that is earning an APY of 0.30%, 0.35% and 0.40% respectively. The 2 year CD is earning an APY of 0.15%, 0.20% and 0.25%. The 3 year CD is earning an APY of 0.35%, 0.40% and 0.45%.

The best CD rates are from the standard 5 year CD that is earning an APY of 2.15%. They are also offering a 3 year CD that is earning an APY of 1.35%. Both of these require a minimum deposit of $500.

The Santander CD rates were posted on July 2, 2011 but are subject to change without notice.

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Best CD Rates 5 Year Term Credit Unions

The best CD rates 5 year term credit unions have to offer might be at or below 3.00%, but are still worth a look for investing your money.

The best CD rates available for the month of July in 2011 from a credit union on a 5 year CD is from the Police and Fire Federal Credit Union. This CU is located in Philadelphia, Pennsylvania and is open for membership to any active or retired policeman and fireman that served this great city in America. Their 5 year CD is earning an APY of 3.00% and requires a minimum deposit of $500.

The next best certificates of deposits rates are from Melrose Credit Union located in the state of New York. They have a 5 year CD that is currently earning an APY of 2.83% with a $ 500 minimum deposit required.

General Electric Credit Union that is located in several towns in Ohio has the next best 5 year CD rate available to their members. Their current 5 year CD is earning an APY of 2.64% with a minimum deposit amount of $500. They are also offering a 5 year IRA CD that is earning an APY of 2.71% with a minimum deposit amount of $100,000.

The Pentagon Federal Credit Union is available in many different locations but usually accessed over the internet by its members. All federal employees are eligible for membership including members of the armed forces. They are currently offering a 5 year CD that is earning an APY of 2.25% with a minimum deposit amount of $1,000.

The last CU on this list is the Granite Credit Union is in the state of Utah. This was originally a teachers CU but have since expanded their membership base to include more residents in their area. They are offering a 5 year CD that is earning an APY of 2.22% with a minimum deposit amount of $1,000.

The bank CD rates find it hard to compete with the CU because they are for profit which goes to the share holders of the banks. The CU reinvest their profits in their members and the main reason the best CD rates 5 year term credit unions are higher.

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Money wisdom from the Founders

As Independence Day was celebrated here in America, it is important to also consider financial independence. Our Founders offered insight into political independence, of course, but many of them also had some very wise things to say about money. As you consider the freedoms we enjoy over a brat or two, and set off a few patriotic fireworks, ruminate for a few minutes on what the Founders had to say about achieving financial freedom:

Benjamin Franklin: Founder of Pithy Money Sayings

Benjamin Franklin had a wealth of advice to offer on several subjects. Money was just one of them, including the famous, “A penny saved is a penny earned.” Ben Franklin actually wrote an entire book on money called Way to Wealth. Here are some of the gems from that publication:

Diligence is the mother of good luck.

Beware of little expenses; a small leak will sink a great ship.

He that goes a borrowing goes a sorrowing.

When you have bought one fine thing you must buy ten more, that your appearance maybe all of a piece.

When you run in debt; you give another power over your liberty.

Get what you can, and what you get hold.

Want of care does more damage than want of knowledge.

Be ashamed to catch yourself idle.

Early to bed, and early to rise, makes a man health, wealthy, and wise.

Drive thy business, let not that drive thee

Ben Franklin also offered a great observation on compound interest in his Advice to a Young Tradesman, Written by an Old One: “Remember that Money is of a prolific generating Nature. Money can beget Money and its Offspring can beget more, and so on.”

More Money Wisdom from Other Founders

While Ben Franklin is definitely one of our most well-known Founders and free with the advice, others have provided us with words of money wisdom:

“Learning is not attained by chance, it must be sought for with ardor and attended with diligence.” — Abigail Adams.

“I know nothing more important to inculcate into the minds of young people than the wisdom, the honor, and the blessed comfort of living within their income.” “I believe that banking institutions are more dangerous to our liberties than standing armies. Already they have raised up a

money aristocracy that has set the government at defiance.”– Thomas Jefferson

“All the perplexities, confusion and distress in America arise not from the defects of the Constitution, not from want of honor or virtue, so much as from downright ignorance of the nature of coin, credit and circulation.” — John Adams

“Few men have virtue to withstand the highest bidder.” — George Washington

“We are not weak if we make a proper use of those means which the God of Nature has placed in our power.” — Patrick Henry

Finally, I’d like to close with a quote from someone who wasn’t a founder, but still had interesting insights into human nature and money:

“It is an unfortunate human failing that a full pocketbook often groans more loudly than an empty stomach.” — Franklin D. Roosevelt

In order to understand further regarding the Highest CD Rates, Current CD Rates, Best CD Rates, Bank CD Rates, best money saving options, TD Bank CD Rates, Chase CD Rates, Bank Rates and CD Rates, Check Out http://highestcdratesinfo.wordpress.com

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The Best CD Rates with a 5 year Term

Best CD rates today 5 year term for July 2011 are available to all Americans via the online banking services of the financial industry. Unfortunately the top rate last week has already been reduced by Sovereign Bank from 2.80% APY to 2.15% on a 5 year CD.

This is why investing your money is not as simple as it use to be. As long as the economy is in a state of flux, the best CD rates will continue to change constantly.

The best bank CD rates this week in July are from the Hudson City Bank out of the New York City area. They have a 5 year CD that is earning an APY of 2.50% with a minimum deposit of $500.

The second best CD rates is from Bank of Internet that has an APY of 2.49% on a 5 year term. The minimum deposit amount to acquire this CD rate is $1,000.

Falling into third is two different financial institutions. There is the First Internet Bank and Acacia Federal Bank that are both offering an APY of 2.40% for a 5 year CD. FIB requires a minimum deposit of $1,000 and AFB requires a minimum deposit of $500 to open and earn the stated APY’s.

There are three financial institutions that are offering certificates of deposits rates of a 2.35% APY. Aurora Bank is one that has a minimum deposit amount of $1,000. OneWest Bank is the second with a minimum deposit amount of $1,000 and the Discovery Bank is the last one with a minimum deposit amount of $2,500.

These are the Best CD Rates today 5 year term for July 2011 has to offer. Check back often because the CD rates are still in a state of flux.

For additional resources about CDs on this website, please view Top CD Rates Today July 2011 3 Month Term. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Highest CD Rates from PNC Bank

PNC offers a wide range of services for all its customers, from individuals and small businesses, to corporations and government entities. No matter how simple or complicated the customer’s needs, PNC make it sure to have the products, knowledge and resources necessary for financial success. They deliver a broad range of tailored investments, wealth planning, trust and estate administration and private banking services to affluent individuals and families, including the ultra-affluent. Institutional Investments serves as investment manager and trustee for companies, not-for-profit organizations and retirement plans across the country.

For the first of July we at Highest CD Rates present the PNC Bank CD rates. This Pittsburg financial institution has a customer base that covers the New England area.

PNC Bank certificate of deposit rates are in a tiered format that includes the standard CD and then the ones that have a relationship with a PNC Choice checking account and the PNC Performance Select Checking account.

The current CD rates for the promotional 9 month CD that is earning an APY of 0.40%, 0.42% and 0.45% respectively. This CD requires a minimum deposit of $1,000.

The current standard CD rates include the 1 month CD that is earning an APY of 0.10%, 0.10% and 0.10% respectively. This CD requires a minimum deposit of $5,000. The 3 month CD is earning an APY of 0.15%, 0.15% and 0.15%.

The 6 month CD is earning an APY of 0.20%, 0.20% and 0.25%. The 1 year CD is earning APY of 0.40%, 0.40% and 0.45%. The 18 month CD is earning an APY of 0.50%, 0.50% and 0.55%. The 2 year CD is earning an APY of 0.45%, 0.45% and 0.50%.

The 3 year CD is earning an APY of 0.65%, 0.65% and 0.70%. The 4 year CD is earning an APY of 1.00%, 1.00% and 1.05%. The 5 year CD is earning an APY of 1.20%, 1.20% and 1.25%.

The 7 year CD is earning an APY of 1.70%, 1.70% and 1.75%. The best CD rates are from the 10 year CD that is earning an APY of 1.95%, 1.95% and 2.00%.

All of the PNC CD rates require a minimum deposit amount of $1,000 for term of 3 months or greater. These CD rates were posted on June 30, 2011 but are subject to change without notice.

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The Best CD Rates for the month of July 2011

Best CD rates Today July 2011 are not all from the same financial institution. Each bank has specific target audiences that are reflected in their CD rates and terms to help their customers with investing their money for the best possible return.

The best CD rates from most of the banks are on their 5 year CD. The best bank CD rates at this term is from Sovereign Bank where their 5 year CD is earning an APY of 2.80%. The minimum deposit to obtain this rate is $500.

The second best 5 year certificates of deposits rates is from Ponce De Leon Federal Bank. Their APY on their 5 year CD is 2.75%. The minimum deposit to obtain this CD rate is $1,000. Their 4 year CD is earning an APY of 2.25%. This financial institution is located in the Bronx, NY.

Both of these financial institutions are offering a 3 year CD that is earning an APY of 1.80%.

Other financial institutions in the New York area that are also offering an APY of 2.75% on a 5 year CD include the North Jersey Community Bank and Fort Lee Federal Savings Bank. Both of these financial institution require a minimum deposit amount of $500 to open and earn the stated APY’s.

These are the Best CD Rates Today July 2011 for a 5 year CD the New York area financial institutions have to offer. All rates are subject to change without notice.

For additional resources about CDs on http://www.bestcdratestoday.com, please view Best CD Rates with a 3 year term. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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`Highest CD Rates from National Penn Bank

The National Penn Bank CD rates are the topic of today being brought to you by the people at Highest CD Rates. This financial institution was founded in 1874 in the city of Boyertown, Pennsylvania. Since that time, this community bank has grown to over 124 branch offices and become the 4th largest in the state. They have also recently opened a branch office in the state of Maryland. National Penn gives you choices that help you go beyond those challenges, to help you succeed in an environment that’s always on, open for business and ready for the next transaction. That’s because National Penn’s products, technology and business services meet or exceed those of much larger banks and our level of personal service and attention to detail is unparalleled. In addition to traditional banking services such as checking, savings and cash management, National Penn Bank offers innovative products like online foreign exchange to help you compete in a global marketplace.

The National Penn Bank certificate of deposit rates can be obtained from several of divisions of this financial institution. These named banks include HomeTowne Heritage Bank, KNBT and Nittany Bank.

At the present time National Penn Bank offers Fixed Rate CDs, Ready Access CDs and Step Up CDs. The terms are from 3 month to 5 years for these investments. The deposit in the Ready Access CDs must remain on deposit for 7 days before any of it can be withdrawn.

The promotional National Penn Bank CD rates are the only ones being advertised at this time.

The current CD rates include the 5 month Ready Access CD special is earning an APY of 0.75%. The 13 month CD special is earning an APY of 0.85%. The 25 month CD is earning an APY of 1.40%. The 35 month CD is earning an APY of 1.75%.The best CD rates are from the 60 month CD special that is currently earning an APY of 2.25%.

To obtain the National Penn CD rates a minimum deposit of $500 is required. These CD rates were posted on June 20, 2011 but are subject to change without notice.

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The Best CD Rates from Colorado Federal Savings Bank

Today Colorado Federal Savings Bank CD rates are from a financial institution that has one of the highest capital ratios in the financial industry. Its balance sheet is solid so even thou this financial intuition is insured by the FDIC, there is little worry it will ever become insolvent. This makes investing your money with CFSB as safe as it possibly can be.

The current bank CD rates include the 6 month CD that is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.20%. The 18 month CD that is earning an APY of 1.30%.

The 2 year CD is earning an APY of 1.40%. The 3 year CD is earning an APY of 1.75%. The best CD rates are from the 5 year CD that is earning an APY of 2.30%.

To obtain the certificates of deposits rates there must be an initial deposit of $5,000. There are no monthly service fees and the CD can be linked to a CFSB checking account so the interest can be transfer to it if the account holder so wishes. This will reduce the earnings of the CD to only the interest rates instead of the stated APRs.

The early withdraw penalty is 3 months interest for CD with terms of less than 1 year and 6 months interest for CD with terms greater than 1 year.

Today Colorado Federal Savings Bank CD rates were posted on April 5, 2011 and were still valid as of June 23, 2011 but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Highest CD Rates from Investors Savings Bank

Today Highest CD Rates is covering the Investors Savings Bank CD rates. These Investors Savings Bank certificate of deposit rates require a minimum deposit of $500 to open and obtain the stated APY’s. Since out last update in March, many of the rates of gone down.

Operating with over 82 full-service retail branches, Investors is committed to offering a full range of high-quality products and services that support customers in reaching their financial objectives.

The current CD rates include the 91 day CD that is earning an APY of 0.50%. The 4, 5, 6, and 7 month CD is earning an APY of 0.50%. The 8 month CD is earning an APY of 0.70%. The 9 month CD is earning an APY of 0.70%. The 10 month CD is earning an APY of 0.70%

The 1 year CD is earning an APY of 0.75%. The 13 month CD is earning an APY of 0.75%. The 14 month CD is earning an APY of 0.75%. The 15 month CD is earning an APY of 0.75%. The 18 month CD is earning an APY of 1.00%. The 2 year CD is earning an APY of 1.25%. The 25 month CD is earning an APY of 1.25%.

The 30 month CD is earning an APY of 1.25%. The 3 year CD is earning an APY of 1.0%. The 42 month CD is earning an APY of 1.0%. The 4 year CD is earning an APY of 1.75%. The best CD rates are from the 5 year CD that is earning an APY of 2.25%. The 10 year CD is earning an APY of 2.25%.

These are the Investors Savings CD rates as posted on June 13, 2011 but are subject to change without notice.

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CD Rates from AloStar Bank of Commerce

Today AloStar Bank of Commerce CD Rates are from an emerging leader in the top rates of the nation for this conservative investment. This allows for more of a return on your deposit with your money when you are investing in a CD with this financial institution.

The AloStar Bank of Commerce is located in Birmingham, Alabama and is finically sound. In April of 2011 they acquired the Nexity Bank that was closed by the FDIC and assumed their business in both assets and deposits.

The current bank CD rates include the 30 day CD that is earning an APY of 0.26%. The 90 day CD is earning an APY of 0.81%. The 6 month CD is earning an APY of 1.12%.

The 9 month CD is earning an APY of 1.03%. The best CD rates are from the 1 year CD that is earning an APY of 1.31%. The 2 year CD is earning an APY of 1.17%.

The minimum amount to open the certificates of deposits is $1,000.

The AloStar Bank of Commerce is new to the banking scene but is being lead by two men that have over 66 years in the financial business sector.

Today AloStar Bank of Commerce CD Rates was posted on June 15, 2011 but is subject to change without notice. They are still listed on the Nexity Bank website until the AloStar Bank completes its restructuring of the financial institution.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CD Rates from Aurora Bank

Today Aurora Bank CD Rates are from the same financial institution that first opened their doors in 1921 in the city of Wilmington, Delaware. Since that time they have grow to the point that they now provide financial services to 340,000 customers in assisting them with investing their money and holding is safely and securely. Aurora Bank offers certificates of deposit, checking, savings, debit cards, home loans, and money market accounts. In each transaction, they are committed to safeguarding the customers personal and financial information.

Aurora Bank is a member of the Federal Home Loan Bank System and deposits are insured to the extent permitted by law by the Federal Deposit Insurance Corporation (FDIC).

The certificates of deposit rates are set up in a tiered format so the more you invest the greater your return on investment. The minimum deposits levels are $1,000 and $100,000.

The current bank CD rates include the 6 month CD that is earning an APY of 1.06% and 1.07% respectively. The 1 year CD is earning an APY of 1.22% and 1.24%. The 18 month CD that is earning an APY of 1.35% and 1.37%. The 2 year CD is earning an APY of 1.49% and 1.51%.

The 3 year CD is earning an APY of 1.81% and 1.83%. The 4 year CD is earning an APY of 2.03% and 2.05%. The best CD rates are from the 5 year CD is earning an APY of 2.41% and 2.43%.

Each year, Aurora Bank gives back at local and national levels. Aurora Bank FSB (the “Bank”) is fully committed to upholding the principles underscored in the Community Reinvestment Act, and diligently seeks innovative solutions to meet the credit needs of its local and national communities.

Aurora Bank’s efforts aim to improve the quality of life in the communities in which its clients, customers and employees live and work, both through financial and volunteer support of a variety of educational, social service, healthcare and cultural organizations. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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First Tennessee Bank offering the Best CD Rates in USA

This is a local bank with its headquarters based in Memphis Tennessee. Recently it has become a subsidiary of First Horizon National Corporation. This bank was originally named the First National Bank of Memphis and opened their doors in 1960.

Powering dreams – it's what the regional bank, First Tennessee, a part of the First Horizon National Corporation family of companies does each day, serving families and businesses through about 180 locations statewide. So how does a bank power dreams? It starts with an innovative list of products and services that provide value and convenience throughout your life and the life of your business.

Today the site Highest CD Rates presents the First Tennessee Bank CD rates as part of our ongoing effort to provide the latest information on this investing topic.

The First Tennessee Bank certificate of deposit rates include the standard CDs, the Add On CD and the Rate Climber CD. As an additional incentive to do your banking with FTB, there is an additional 0.30% added to all deposits when a FTB checking account is opened. This bonus rate is not available to CDs that are opened online.

The current CD rates include the 30 day CD that is earning an APY of 0.15%. The 60 day CD is earning an APT of 0.15% The 90 day CD is earning an APY of 0.20%. The 180 day CD is earning an APY of 0.30%. The 270 day CD is earning an APY of 0.40%.

The 1 year CD is earning an APY of 0.40%. The 2 year CD is earning an APY of 0.50%. The 3 year CD is earning an APY of 0.60%. The 4 year CD is earning an APY of 0.90%. The best CD rates are with the 5 year CD that is earning an APY of 1.20%.

The Add On CD is earning an APY of 0.10% fir deposits below $25,000 and 0.20% for deposits above $25,000 for terms of 6 months.

The Rate Climber CD is earning an APY of 0.15% and has a term of 1 year.

These are the First Tennessee CD rates for June 2011 but are subject to change without notice.

In order to understand further regarding the Highest CD Rates, current CD rates, Best CD Rates, best money saving options, TD Bank CD Rates, Chase CD Rates, Bank Rates, Best CD Rates and CD Rates from Author visit - http://highestcdratesinfo.wordpress.com

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Bank of America CD Rates May 2011 Update

Bank of America brings the power of human and financial capital to transform communities into vibrant, desirable places for people to live, work and raise families.

This Bank of America CD Rates May 2011 Update is to assist you in investing your money in certificates of deposit with this financially sound institution. They are currently offering promotional CDs with a minimum deposit of $10,000 and standard CDs which require a minimum deposit of $1,000 for terms over 27 days. For terms between 7 and 27 days the minimum deposit is $15,000.

The promotional bank CD Rates have a term of 1 year and are earning an APY of 0.60%.

The standard CD Rates include the 7 to 27 day CD that is earning an APY of 0.26%. The 28 to 89 day CD is earning an APY of 0.27%. The 90 to 179 day CD is earning an APY of 0.28%. The 6 to 11 month CD is earning an APY of 0.30%. The 12 to 17 month CD is earning an APY of 0.45%.

The 18 to 23 month CD is earning an APY of 0.60%. The 24 to 35 month CD is earning an APY of 0.65%. The 36 to 47 month CD is earning an APY of 1.00%. The 48 to 59 month CD is earning an APY of 1.31%. The 60 to 119 month CD is earning an APY of 2.01%. The 10 year CD is earning the best CD rates with an APY of 1.21%.

This Bank of America CD Rates May 2011 Update is accurate as of May 31, 2011 but is subject to change to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

To know more about the CD Rates, Citibank CD Rates, best cd rates USA, PNC CD Rates, highest cd rates, Chase CD Rates, you must visit - http://bestcdratesinusa.wordpress.com

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Earning Money with Highest CD Rates in a planned way

If you are going to maximize your savings rate with a CD, it can help to know what kind of strategy you will employ. There are a number of CD strategiesyou can use to improve your yield rates, and boost your earnings. One of the most popular strategies, of course, is the CD ladder. However, many people are discouraged by the fact that you often need a fairly substantial chunk of capital to start a CD ladder initially. If you are interested in starting a CD ladder, you will need to make plans for getting the money together to start. Here are some ideas for saving up the money to use in a CD ladder:

• Figure out how much you will need: Decide how much money you want for your CD ladder. Some are happy starting out with $500 in each CD, so $2,500 is what is needed to start a five-year CD ladder. Figure out what is realistic for you. You can start out small, and then when your first CD matures after a year, if you have saved up more money, you can add it to your CD ladder when you roll your first CD into a five-year CD to keep the ladder going.

• Decide when you want to open your CDs: Next, you need to decide when you want to open your CDs. If you want to open your CD ladder in five months, you will need to set aside $500 a month to reach a goal of $2,500.

• Look for ways to cut waste from your budget: If you are looking for ways to get the money you need for your CD ladder, the first thing to do is look for waste in your finances. Look at your spending habits, and decide what you can cut back on. You might be surprised at how much money you can save when you cut back on your unnecessary spending. Decide what you will cut from your budget, and use the savings to put toward building your CD ladder.

• Earn more money: In some cases, cutting back can be disappointing and difficult — or it may not be enough to help you meet your goals. If this is the case, you might look for ways to earn more money. There are a number of opportunities to make supplemental income. As you earn more money, you can use that for your CD ladder. Combine that with some of your cost cutting efforts, and you will have the capital you need for a good CD ladder in no time.

In most cases, finding the money you need to make use of CDs is possible. However, it takes planning. If you don’t just have the money in an emergency fund, or if you didn’t receive a windfall, you will have to come up with a way to improve your ability to save up money for use in a CD ladder. However, once you have a plan, and if you follow it, you will find it is more than possible to get a good CD ladder going.

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Best CD Rates and Retirement Planning

One of the things you can do to improve your retirement portfolio is to include CDs. However, as you plan for retirement, it is important to remember that CDs should probably not be the main focus of your efforts. That said, they really can be a helpful way for you to add a little safety and stability to your retirement portfolio.

Balancing Your Retirement Portfolio

If you rely only on low-yielding investments for your retirement planning, you will never be able to build up enough of a nest egg to retire. However, your retirement portfolio usually needs some stability and safety to help offset some of the losses that can come when you have higher yielding investments. This is where CDs can help.

Certificates of deposit are cash products designed to give you a competitive interest rate, considering what it is. CDs are usually FDIC insured, so your money is safe from loss due to bank failure. While you won’t see huge returns, you can see decent enough returns that have the potential to keep pace with inflation. You know a portion of your capital is preserved when you use CDs in your retirement portfolio, and that can provide you with a little peace of mind.

Planning to Use CDs in Your Retirement Portfolio

It is actually possible to hold CDs in a retirement account. Some banks offer IRA CDs, meant to be held in an IRA to give you more competitive returns. These CDs generally have maturities of seven to 10 years. However, you don’t need an IRA CD to keep CDs in your retirement account; any CD, for any maturity, can be held in your retirement account.

Many people like to employ the CD ladder when they use CDs as part of their retirement plan. Rather than lock up the money for 10 years, which can be a disadvantage if interest rates start to rise, a system can be set up so that CDs mature at smaller intervals. The key to CD laddering is to set up a system so that you know when CDs will mature, and you can roll them over for a period of time that is fairly long — five to seven years — but you still get regular access to some of your money. This also allows you the chance to take advantage of interest rates as they rise, getting you a better yield.

Using CDs to Complement Your Retirement Portfolio

A little cash in your retirement portfolio isn’t a bad thing. You can use it in addition to stocks and bonds, and other investments that you might hold in an IRA or a 401k. However, it is important that CDs (and other cash products) are used merely as complements to your portfolio. Especially when you are younger, a large portion of your retirement portfolio should probably be in higher yielding investments, with bonds to add some stability, and cash for true safety.

As you approach retirement, you can shift some of your assets out of higher yield investments and into bonds and cash. However, it is rare that cash should make up the largest portion of your retirement portfolio.

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Best CD Rates in Vermont

The best Vermont CD Rates are from the local credit unions. This is a common trend across America since this type of financial institution does not pay dividends to stock holder. Instead they reward their members with better rates on the services they provide.

The best of the current CD Rates in the state of Vermont are from White River Credit Union. Their CD rates are in a tiered format with minimum deposits of $1,000 and $10,000. The 6 month CD is earning an APY of 0.60% and 0.70% respectively. The 1 year CD is earning an APY of 0.85% and 0.95%. The 2 year CD is earning an APY of 1.15% and 1.25%.

The next best CD rates are from the Bryant Credit Union. On their website the name is One Credit Union. They are offering a 6 month CD that is earning an APY of 0.50%. The 1 year CD is earning an APY of 0.75%. The 18 month CD is earning an APY of 0.85%. The 2 year CD is earning an APY of 1.15%. The 3 year CD is earning an APY of 1.46%. The 4 year CD is earning an APY of 1.97%. The 5 year CD is earning an APY of 2.32%. The minimum deposit is $500.

Third on the list is the Connecticut River Bank. They have a 3 month CD that is earning an APY of 0.30%. The 6 month CD is earning an APY of 0.45%. The 1 year CD is earning an APY of 0.70%. The 2 year CD is earning an APY of 1.15%. The 3 year CD is earning an APY of 1.50%. The 5 year CD is earning an APY of 2.25%. The minimum deposit is $500.

For additional resources about CDs on this website, please view Sovereign Bank CD Rates Update. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Compass Bank CD Rates the best option

BBVA Compass is a leading U.S. banking franchise with operations throughout the Sunbelt Region and ranks among the top 20 largest U.S. commercial banks based on deposit market share. We operate 716 branches in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas. BBVA Compass is a subsidiary of Compass Bancshares, Inc., a wholly owned subsidiary of BBVA. BBVA ranks among the top 20 largest financial institutions in the world based on market capitalization and 21st in Global Finance magazine's list of the "World's 50 Safest Banks" for 2010. BBVA provides its customers around the world with a full range of financial services, including commercial and wholesale banking, retail banking services, consumer loans, mortgages, credit cards, securities brokerage, wealth management, pension plan management and insurance.

The following Compass Bank certificate of deposit rates are good for Austin, Texas.

The current CD rates include the 1 month CD that is earning an APY of 0.15%. The 3 month CD is earning an APY of 0.15%. The 6 month CD is earning an APY of 0.40%. The 9 month CD is earning an APY of 0.55%.

The 1 year CD is earning an APY of 0.70%. The 18 month CD is earning an APY of 0.65%. The 30 month CD is earning an APY of 0.60%. The 3 year CD is earning an APY of 0.95%. The 4 year CD is earning an APY of 1.35%. The best CD rates are from the 5 year CD that is earning an APY of2.15%.

The other states this bank has branch offices were checked along with their CD rates. The other states include Alabama, Arizona, California, Colorado, Florida and New Mexico. At this time all of the CD rates are the same.

There is a side note along with the Compass CD rates that states it takes $500 to open an account but $5,000 to obtain the stated APRs.

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Hudson City Bank the best Bank in the Metropolitan Area

As The Most Efficient Bank in America, Hudson City Bank’s operating costs are far less than most banks. That’s why they are able to offer customers some of the highest deposit yields, lowest fees, and competitive mortgage rates in the metropolitan area. It's no wonder why Forbes has named Hudson City "The Best- Managed Bank in America" for both 2007 and 2008.

Hudson City Bank CD Rates updates are from a financial institution that has been a part of the New Jersey community since 1868. In 1999 they formed a parent company of Hudson City Bancorp whose only subsidiary is Hudson City Savings Bank. This bank was awarded by Forges magazine as “Among the best managed Banks” in 2007, 2008 and 2009.

The current CD Rates include 91 day CD that is earning an APY of 0.75% with simple interest. The only other CD with simple interest is the 6 month CD that is earning an APY of 0.75%.

The following CD rates have compounded daily interest. The 4 month CD is earning an APY of 0.75%. The 5 month CD is earning an APY of 0.75%. The 7 month CD is earning an APY of 0.75%. The 9 month CD is earning an APY of 0.75%.

The 1 year CD is earning an APY of 1.00%. The 13 month CD is earning an APY of 1.00%. The 18 month CD is earning an APY of 1.10%. The 2 year CD is earning an APY of 1.50%. The 30 month CD is earning an APY of 1.50%.

The 3 year CD is earning an APY of 1.75%. The 4 month CD is earning an APY of 2.25% the best CD rates are from the 5 year CD that is earning an APY of 2.50%.

The minimum deposit for these CD rates is $500.This Hudson City Bank CD Rates update was posted on March 25, 2011 but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best Bank Rates from Chase Bank

Chase Bank is one of the oldest financial institutions in the United States. With a history dating back over 200 years, Serving millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients. The Chase CD Rates Update is being presented by your friends at CD Rates. It is our aim to provide the necessary data from this and other financial institutions so you can always make an informed decision on this conservative but important investment strategy.

The Chase Bank dates back to one of the countries founding fathers, Aaron Burn, who opened this financial institution in New York in September of 1799. Today Chase is offering the standard CDs that require a minimum deposit of $1,000.

There are also the Special CD rates that are eligible for those customers that use the online banking service being provided by the Chase Bank. They have a minimum deposit of $10,000.

The standard CD rates include the 6 month CD that is earning an APY of 0.20%. The 1 year CD is earning an APY of 0.25%. The 18 month CD is earning an APY of 0.50%. The 2 year CD is earning an APY of 0.50%. The 3 year CD is earning an APY of 1.01%.

The special CD rates include the 9 month CD that is earning an APY of 0.35%. The 13 month CD is earning an APY of 0.60%. The 2 year CD is earning an APY of 0.85%. The 30 month CD is earning an APY of 1.01%. The 4 year CD is earning an APY of 1.25%. The 5 year CD is earning an APY of 2.25%.

This Chase CD Rates Update is providing the information that was posted on the Chase website on May 12, 2011, but is subject to change without notice and at the discretion of the Chase Bank management.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Earn more with Market Index CDs

Market Index CDs have become a favorite with investors due to their unique property of earning more profits than traditional CD's. Where traditional CDs gave a fixed return to the investor Market Index CDs are giving returns according to the market conditions.

The Market Index CDs are a way to increase the amount of your return on this conservative type of investment. The way it works is simple. The CD is linked to a market index like the S&P 500 or a commodity index like corn. When the index rises, the interest you earn on the CD also rises. This is proportional and not the entire value of the rising market values is reflected in the return of the CD.

This is variable CD Rates that will change as the market changes. One commonality this type of CD has with the standard CD is that the principal is insured the FDIC and cannot be lost by no fault of your own.

The market CDs are linked to an index and are usually accompanied with a cap. This cap is the upper limit to what you can earn immaterial of the indexes performance. If you cap is at 5% and the index rises 10%, your return will just be 5%.

When it comes to taxes, the earnings you make from the market CD is considered income and not capital gains.

With all CDs you can make an early withdraw of your investment before the maturity date arrives. With a standard CD you will forfeit a portion of the interest you have earned. With the market CD you will not only loss all of the interest, but in some instances you can lose a portion of the principal as well.

The rules for the market index CDs is somewhat different than the standard CD, but in most cases you will not lose your principal. Just remember if the index losses, then you will not have any increase on your investment.
Best Cd Rates
We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CD Rates from Liberty Bank

Liberty Bank is the fourth largest bank based in the area and they are growing fast, bringing outstanding products and great service to new communities.

They opened new branches in Plainville and Berlin. And moved one of their Cromwell locations to brand-new, state-of-the-art quarters in Cobblestone Plaza, making it more convenient for customers old and new.

In December, they completed the acquisition of Connecticut River Community Bank, giving new branches in Glastonbury, West Hartford and Wethersfield. A smooth and successful transition made this acquisition a great success.

And as always, they are dedicated to giving back to the towns where they do business. For example, Liberty Bank distributed over $24,000 in grants to local nonprofits at grand opening ceremonies and set aside $5 for every new checking account opened in Berlin, using the funds to purchase and fill backpacks for 180 local schoolchildren in need.

The Liberty Bank CD Rates are available to the public from this Chicago based financial institution.

The standard CD Rates include the 91 day CD that is earning an APY of 0.10%. The 6 month CD is earning an APY of 0.20%. The 1 year CD is earning an APY of 0.40%. The 18 month CD is earning an APY of 0.55%.

The 2 year CD is earning an APY of 0.75%. The 30 month CD is earning an APY of 0.90%. The 3 year CD is earning an APY of 1.15%. The 42 month CD is earning an APY of 1.45%. The 5 year CD is earning an APY of 2.15%.

Each of the above CDs require a minimum deposit of $2,500 to open an account and earn the stated APY’s.

There are also Liberty Gift Certificates of Deposit that you can give friends and family members. The 1 year CD is earning an APY of 0.40%. The 2 year CD is earning an APY of 0.75%. The 3 year CD is earning an APY of 1.15% and the 5 year CD is earning an APY of 2.15%. The minimum deposit for these CDs is $2,500.

The retirement plan CDs include the 1 year CD that is earning an APY of 0.50%. The 18 month CD is earning an APY of 0.70%. The 3 year CD is earning an APY of 1.15%. The 5 year CD is earning an APY of 1.80% and the 7 year CD is earning an APY of 2.00%. The minimum deposit of these CDs is $500.

The Liberty Bank CD rates were posted on April 26, 2011 but are subject to change without notice.

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Penn CD rates

The following Penn CD rates are from banks and not credit unions because there is no requirement need to be meet like membership. The average rates for this area of the country include the 2 year CD that is earning an APY of 1.22%, the 1 year CD that is earning an APY of 0.86 and the 6 month CD that is earning an APY of 0.63%. The following CD rates are all better than the average.

The best CD Rates are still being offered by Tioga-Franklin Bank. They have a 6 month CD that is earning an APY of 1.15%. The 1 year CD is earning an APY of 1.35%. The 2 year CD is earning an APY of 1.60%. The 3 year CD is earning an APY of 1.90%.

The 4 year CD is earning an APY of 2.20% and the 5 year CD is earning an APY of 2.50%. The 6 month CD required a minimum deposit of $1,000 while the remainder requires a $500 deposit. These rates were posted on March 21, 2011.

The Eagle National Bank also has some good short term CD rates. The 3 month is earning an APY of 0.75%. The 6 month CD is earning an APY of 1.00%. The 1 year CD is earning an APY of 1.10%. The 18 month CD is earning an APY of 1.20% and the 2 year CD is earning an APY of 1.30%. The minimum deposit is $1,000 and these CD rates were posted on December 20, 2010.

Quaint Oak Bank has a 6 month CD that is earning an APY of 0.80%. The 1 year CD is earning an APY of 1.10%. The 18 month CD is earning an APY of 1.15%. The 2 year CD is earning an APY of 1.50%. The 3 year CD is earning an APY of 1.90%. The 4 year CD is earning an APY of 2.40%. The 5 year CD is earning an APY of 2.70%. The minimum deposit is $500 and these rates were posted on April 18, 2011.

All of these Penn CD rates are current but subject to change without notice.

For additional resources about CDs on this website, please view Community Bank in Nevada, Iowa CD rates. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Investng in the Best CD Rates in a turbulent Economy

Finding the best CD Rates when rates are low is no easy task. That was one of the reasons for bestcdratestoday.com , to help others find the best CD Rates. To do this many financial websites have to be visited.

Other blogs and financial advisors have listing on their sites they claim are accurate. Many of them are, but not all of them. Before any rate is posted on bestcdratestoday.com , the home site of the quote is visited. The rate is then confirmed or corrected before being reported.

One commonality that is found is that if a financial institution has a decent rate in the past, they generally are offering CD rates that are still competitive even if they are lower. In most incidences the best CD rates are found at the local and community banks that are smaller in nature. They still need deposits bad and are willing to give their customers a decent CD rate for making a deposit.

The credit unions are another place that generally offers some of the best rates on certificates of deposits. In many incidences they refer to CDs as shared certificates and the payout of the interest as dividends. Fundamentally they are the same. This is sometimes confused by many investors and the word dividend may be mistaken for share trading which is not the case.

Most but not all of the major financial institutions have lower that average CD rates since they received the US tax payer bailouts. This is due to the fact they no longer need new deposits to keep their business running. There are a few exceptions like Ally Bank, but this is the norm today.

In finding the best CD rates when rates are low is difficult, but we do our best to keep you informed. All of the information we provide has been verified by the financial institutions named each and every time.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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Best CD Rates from AIG

The AIG CD Rates are from the American International Group that has expanded their core business to personal banking. They are very well known for their insurance and other financial services for years and have decided to expand to this new market in order to increase their customer base. They are based out of Wilmington, Delaware but can be reached by phone or online with their website.

The following are the AIG Bank current CD Rates. The 6 month CD is earning an APY of 0.80%. The 1 year CD is earning an APY of 1.15%. The 18 month CD is earning an APY of 1.25%. Then 2 year CD is earning an APY of 1.40%. The 3 year CD is earning a APY of 1.70% and the 5 year CD is earning an APY of 2.15%.

You can open a CD account online in less than 5 minutes or call them to open an account. The minimum deposit is $2,500 with a maximum FDIC insured amount of $250,000.

Another type of investment this bank is offering is their Money Market Account. This is in a tiered format with minimum deposits of $2,500, $10,000, $50,000, $100,000 and $250,000. The APY for these deposit amounts include 0.50%, 1.00%, 1.03%, 1.06% and 1.09% respectively.

The AIG Bank is also offering a 3 year fixed mortgage with an interest rate of 4.75% and an APR of 4.857%. This is on a $200,000 loan on which you have already placed a 20% down payment.

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. AIG companies serve commercial, institutional and individual customers through one of the most extensive worldwide property casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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CD Rates from First National Bank of Long Island

These are the First National Bank of Long Island CD Rates are brought to you by the people from CD Rates. This is a financial institution that has been in the Big Apple since 1927 serving their community.

The Bank is subject to regulation and supervision of the Federal Reserve Board, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation which also insures its deposits. The Comptroller of the Currency is the primary banking agency responsible for regulating the subsidiary Bank. In addition, the Corporation is subject to the regulations and supervision of the Federal Reserve Board and the Securities and Exchange Commission.

The FNBLI had a promotional offer of 3.00% APR on a 5 year CD that was posted in February 22, 2011, but it is difficult to find and is not mentioned on their regular CD rates page. This offer could have expired and they have just forgotten to take this off of their website.

The simple interest long term CDs include the 2 year CD that is earning an APY of 0.75%. The 3 year CD is earning an APY of 1.25%. The 4 year CD is earning an APY of 1.75%. The 5 year CD is earning an APY of 2.50%.

The short term CDs include the 3 month CD that is earning an APY of 0.35%. The 6 month CD is earning an APY of 0.60%. The 1 year CD is earning an APY of 0.65%.

The IRA CDs include the 3 month CD that is earning an APY of 0.35%. The 6 month CD is earning an APY of 0.55%. The 1 year CD is earning an APY of 0.70%. The 2 year CD is earning an APY of 0.75%. The 3 year CD is earning an APY of 1.25%.

The 4 year CD is earning an APY of 1.75%. The 5 year CD is earning an APY of 2.50%. The 6 year CD is earning an APY of 2.55%.

All of these First National Bank of Long Island CD Rates require a minimum deposit of $1,000.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

Author publishes articles frequently regarding investment and financial topics. To help you comprehend more about Citibank CD Rates, best cd rates , PNC CD Rates, highest cd rates, Chase CD Rates, from Author pay a visit to - http://bestcdratestoday.jimdo.com/best-cds-2011/

ING Direct Bank Signup Bonus

The ING Direct Bank Signup Bonus is now being offered for those of you that wish to purchase stocks. Right now there is a $50 account bonus for those of you that sign up with a sharebuilder account. The cost pre stock purchase is only $4.

They take a long-term approach and help investors build wealth with three solid concepts:

Discipline

Start good investing habits using an Automatic Investment Plan—allowing you to invest in regular intervals.

Dollar-cost Averaging

Consistently build a portfolio over time—you can choose any amount.

Diversification

Reduce your risk over time—use the free PortfolioBuilder tool to receive a suggested ETF portfolio that is customized for you.

Using these three simple concepts as guiding principles, ShareBuilder works towards helping you make smart investing decisions.

You will have a choice of over 7000 stocks, mutual funds and ETF in which to invest your money. The $50 bonus will be credited to your account 7 days after your first purchase on an investment. With such a wide array of choices no doubt this tends to be the most sought after investment as of today.

For a more conservative investment, ING is offering their CD Rates. The 6, 9 12 and 18 month CDs are earning an APY of 0.75%. The 2 year CD is earning an APY of 1.00%. The 30, 36, 48 and 60 month CDs are earning an APY of 1.25%.

These are fixed rate CDs that has an upper limit on deposits of $250,000 that is FDIC insured. The interest can be paid monthly, annually or at the maturity time. To attain the stated APY, the principal and the interest must remain in the CD for the life of the term.

To open an account you can visit a branch office or just visit their website online. Everything you need to do can be done electronically. The time require to open an account online is averaging less than 5 minutes.

There are no fee associated with a CD account except when an early withdraw is performed. Then a large portion of the interest earned will be lost along with a fee.

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Best NYC Banks to Invest your money

This includes Citibank, Chase Manhattan, Bank of America and Federal Reserve Bank of NY which really dont have the Best CD Rates to offer for the people wanting to stash their money into CD Rates. Many of them have since moved their headquarters from the Big Apple. Unfortunately none of these giant financial institutions need much money on deposit and have very low CD Rates.

Many of the others like the Bank of New York Mellon refuse to post their CD rates. They require you to contact them if you desire this information. This is a general sign that their rates lack being competitive and wish to have you in their office to sell the CD on other aspects of the account other than attractive rates.

It is the local community banks that are currently offering decent CD rates for their customers. Intervest National Bank is one of the few that actually advertises their CD rates. They are currently offering a 6 month CD that is earning an APY of 0.60%. The 1 year CD is earning an APY of 1.15%. The 2 year CD is earning an APY of 1.50%. The 5 year CD is earning an APY of 2.33%. These rates require a minimum deposit of $2,500 and were posted on February 23, 2011.

As for the M&T Trust CD rates, they are offering a 6 month CD at an APY of 0.25%. The 1 year CD is at an APY of 0.50%. They also are offering a promotional 6 month CD that is earning an APY of 0.35%. The 1 year CD at 0.65% and a 5 year promotional rate of 2.00%. Each of these requires a minimum deposit of $1,000 and was posted on February 16, 2011.

The worst CD rates are from Chase. They have a 6 month CD that is earning an APY of 0.25%. The 1 year is also only offering an APY of 0.25%. These require a minimum deposit of $1,000.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

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