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Wednesday, January 14, 2009

Best CD Rate Update - 4.5% at PenFed CU

The top CD annal percentage yield (APY) this week is at Pentagon Federal Credit Union for 5 and 7-year certificates of deposit currently paying 4.50%.

For shorter term, Borel Private Bank & Trust Company has a 5-month CD with a 3.25% annual percentage rate.

For online savings, HSBC Bank is paying 2.60%.

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

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

"Highest CD Rate Survey + Current US Treasury Rates"
Term
Date
Highest
Rate (APY)
Where?
(Click link for Full Rate Sheets)
Daily Savings
1/14/09 2.09%
Vanguard Prime Money Market Fund
Tax Exempt
1/14/09 0.79%
Vanguard Tax Exempt Money Market Fund
Online Savings 1/14/09 2.60%
HSBC Bank
3-Month Treasury
1/14/09
0.10%
US Treasury Rates at a glance
6 Months 1/14/09 2.95%
Ascencia Internet Bank
6-Month Treasury
1/14/090.28%
US Treasury Rates at a glance
9 Months 1/14/09 1.55%
Wachovia Bank
1 Year
1/14/09 3.28%
Pacific Mercantile Bank 3.20% @ UmbrellaBank
1 Year Treasury 1/14/09 0.43%
US Treasury Rates at a glance
18 Months 1/14/09 3.25%
UmbrellaBank
2 Years
1/14/09 3.25% iGObanking.com and Presidential Bank
2 Year Treasury 1/14/09 0.73%
US Treasury Rates at a glance
3 Years 1/14/09
3.35% Discover Bank
3-Yr Treasury
1/14/091.03%
US Treasury Rates at a glance
4 Years
1/14/09 4.25% PenFed Credit Union & 4.00% @ Flagstar Bank
5 Years
1/14/09 4.50% Pentagon Federal Credit Union & 4.00% @ WaMu
5 Yr Treasury
1/14/091.36%
US Treasury Rates at a glance
7 Years 1/14/09 4.50% Pentagon Federal Credit Union
10 Yr Treasury
1/14/09 2.20%
US Treasury Rates at a glance
30 Yr Treasury 1/14/09 2.91%
US Treasury Rates at a glance

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

Related information:

2 comments:

  1. Old Suite101 username Mike_1 here. I guess BB missed this one. What happened to the Suite101 forum? I called this crash a little early, but better early than never. DOW 8000 low for today. I'm calling DOW 7000 by the end of 1stQ 2009 earnings season. Best of luck to everyone.

    ReplyDelete
  2. Hi Mike
    I left 101 to write for myself and keep ALL the ad revenue on the web pages rather than get a tiny fraction.... Send me an email and I can send you links for a facebook Brinker forum some of us post at plus many post here and in the comments section for Honey's Bob Brinker Beehive Buzz.

    ReplyDelete

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