Best CD & Savings Rates Survey

The top rates for CDs this week are at Pentagon Federal Credit Union (fondly known as PenFed CU) for 5 and 7-year certificates of deposit that currently pay 4.39% APY.

For shorter term, Flagstar Bank, has a 1-year CD with a 3.25% annual percentage rate.

For online savings, GMAC Bank is paying 3.00% on any deposit over $500.

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	2/4/09	1.53%	Vanguard Prime Money Market Fund
Tax Exempt	2/4/09	0.74%	Vanguard Tax Exempt Money Market Fund
Online Savings	2/4/09	3.00%	GMAC Bank & 2.45% @ HSBC Bank
3-Month Treasury	2/4/09	0.29%	US Treasury Rates at a glance
6 Months	2/4/09	2.86%	Flagstar Bank
6-Month Treasury	2/4/09	0.41%	US Treasury Rates at a glance
9 Months	2/4/09	2.76%	Nexity Bank (Birmingham, AL)
1 Year	2/4/09	3.25%	Flagstar Bank
1 Year Treasury	2/4/09	0.50%	US Treasury Rates at a glance
18 Months	2/4/09	3.00%	GMAC Bank
2 Years	2/4/09	3.25%	iGObanking.com
2 Year Treasury	2/4/09	0.97%	US Treasury Rates at a glance
3 Years	2/4/09	3.40%	Flagstar Bank
3-Yr Treasury	2/4/09	1.41%	US Treasury Rates at a glance
4 Years	2/4/09	4.15%	PenFed Credit Union
5 Years	2/4/09	4.39%	Pentagon Federal CU
5 Yr Treasury	2/4/09	1.93%	US Treasury Rates at a glance
7 Years	2/4/09	4.39%	Pentagon Federal CU & 4.00% @ Discover Bank
10 Yr Treasury	2/4/09	2.93%	US Treasury Rates at a glance
10 Years	2/4/09	4.00%	Discover Bank
30 Yr Treasury	2/4/09	3.69%	US Treasury Rates at a glance

• Easy to Read Best CD Rate Survey
  
  
• US Treasury Rates at a Glance
  
  
• World Stock Markets 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