2.53% 13-Month Add-On CD at Prime Pacific Bank in Washington State - Local Only

Prime Pacific Bank is offering a special 13-month Add-on CD with a 2.53% APY. A checking account is required. Minimum deposit is $500, and there is no maximum deposit. Add-on deposits are allowed in increments of $500 without limit. This special doesn't seem to be listed at the bank's website. A reader emailed me info on this, and I just called for additional details. According to the CSR, the

3.00% 12-Month CD at First National Bank of the South in SC - Local Only

First National Bank of the South is offering another hot CD special. The rate is 3.00% APY with terms of 12, 13 and 15 months. Minimum deposit is $5,000, and the maximum is $250,000. New money is required. It doesn't seem to be listed at the bank's website. A reader emailed me info on this, and I just called the bank for additional details. The CSR did not know how much longer it would last.I was

Another Rate-Cut Friday at Ally Bank

I'm afraid it's another rate-cut Friday at Ally Bank. The cuts may not all be due to the pressure from the FDIC. Several other banks continue to cut rates so the interest rate environment is also to blame. The online savings account rate dropped under 2% to 1.95% APY. The money market account rate also fell. It's now 1.70% APY (down from 1.80%). Most of the CD rates were cut. The no-penalty 9-

2.50% 12-Month CD & Competitive Money Market Account at RomAsia Bank in New Jersey - Local Only

RomAsia Bank is offering a 2.50% APY 12-month CD. Minimum deposit is $2,500. The rates for the other terms are not quite as good, but they're competitive. These include a 1.90% APY 3-month CD, a 2% APY 6-month CD, a 2.65% APY 18-month CD and a 2.75% APY 24-month CD. Higher rates may be available for Jumbo CDs with a $100K minimum.The bank also has a money market account with a 2.25% APY for

3.00% 30-Month CD at Gesa Credit Union in Washington State - Local Only

Gesa Credit Union is offering competitive rates on its mid-term and long-term certificate accounts. These include 2.46% APY for 24 months, 3.00% APY for 30 months and 3.53% APY for 60 months. Minimum deposit is $500 for the 24- and 60-month terms and $10,000 for the 30-month term. IRA certificate rates are also available, but the rates are lower. These rates are listed in the credit union's

2.36% 6-Month CD at South Florida FCU - Local Only

South Florida FCU is offering some very competitive short-term certificate rates. The most competitive include a 2.36% APY for 3 and 6 months, 2.41% APY for 9 months and 2.46% APY for 12 months. Minimum deposit is $500. These are also available as IRA certificates (except the 3 month term). There's also a money market account with a 2.52% APY. These rates are listed in the credit union's rates

2.10% 6-Month CD at St. Louis Bank - Local Only

St. Louis Bank is offering some competitive short-term CD specials. These include a 1.95% APY 3-month CD and a 2.10% APY CD with terms of 6 to 12 months. Minimum deposit is $10,000. These special CDs are listed in the bank's rate table as of 7/10/09.This bank has long offered very competitive CD specials. The specials do come and go quickly, so make sure to verify the rates with the bank before

3.00% 24-Month CD & Other High CD Rates at Signature Bank in New York City - Local Only

Signature Bank is still offering a 2.50% APY 12-month CD. In addition, the bank is offering other competitive rates including a 2.85% APY 18-month CD and a 3.00% APY 24-month CD. Minimum deposit is $5,000. These aren't specials, so you don't have to worry about other requirements like a checking account. The CD rates don't appear to be listed at the bank's website. A reader commented on these

3.90% 60-Month CD at RBC Bank in AL, FL, GA, NC, SC & VA - Local Only

RBC Bank is offering a special 3.90% APY CD 60-month CD. Minimum deposit is $5,000, and a checking account is required. The CD is also available in an IRA. There are Jumbo CD versions of these with a 3.90% rate with no compounding. The Jumbo minimum is $100,000. This rate is listed at the bank's rate sheet as of 7/09/09. According to the rate sheet, interest rates are valid through July 14, 209.I

2.50% 24-Month CD & a Checking Account Bonus at BBV Compass in AL, AZ, CO, FL, NM & TX

Update 7/11/09: The 24-month CD rate has changed. For most areas, the rate has fallen to 2.30% APY. However, it went up to 2.60% APY in some places including Austin, TX; Colorado; and Jacksonville, FL.BBVA Compass is offering a competitive rate of 2.50% APY on its 2-year CD. Minimum deposit is $5,000. This rate is listed at the bank's rate table as of 7/09/09. Note, they have separate CD rate

2.70% 24-Month CD at Eastman Credit Union in TN, VA, TX, SC & AR - Local Only

Eastman Credit Union is offering some competitive certificate rates. The two most competitive are the 24-month term with a 2.70% APY and the 12-month term with a 2.25% APY. The 3-year term also has a competitive APY of 3.10%. The minimum deposit is $1,000. An extra 10 basis points is added for a Jumbo CD with a minimum of $100,000. These rates are listed in the credit union's deposit rates table

2.65% 15-Month CD at WashingtonFirst Bank in the DC Metro Area - Local Only

WashingtonFirst Bank is offering a special 15-month CD with a 2.65% APY. Minimum deposit is $10,000. This special is listed at the bottom right of the bank's home page as of 7/07/09. According to the small print, the APY is accurate as of July 6, 2009 so hopefully it'll last for a while. There's also a competitive 18-month IRA CD listed in the bank's deposit rates page as of 7/07/09.It appears a

2.50% 12-Month CD at Lowcountry National Bank in South Carolina - Local Only

Lowcountry National Bank is offering a special 2.50% APY 12-month CD. The bank also has this same rate for an 18-month CD which has a one-time bump-up option. This gives you the chance to request a one-time increase in the rate to the bank's current 12-month CD rate. Minimum deposit for both CDs is $1,000. These specials don't seem to be listed at the bank's website. They were advertised in

Bank of Internet's New Advantage Savings Account with a 2.50% APY - Nationally Available

Bank of Internet USA has launched a new high yield savings account called Advantage Savings Account. As of 7/07/09 it pays 2.50% APY on all balances. The features are very similar to their High Yield Savings Account except that it also provides limited Bill Payment. It allows you to make up to 3 Bill Payments per month. The limit of 3 is likely due to Bill Payments being considered checks, and

2.52% 12-Month CD and a Competitive Money Market Account at Metro Phoenix Bank - Local Only

Metro Phoenix Bank is offering some competitive CD and IRA rates. The best deals are a 2.52% APY 12-month CD and a 2.78% APY 24-month CD. Minimum deposit is $5,000 for a regular CD and $2,000 for an IRA CD. They also have a competitive rate on their money market account. It's a tiered rate account with a 2.53% APY for balances of $100K to $1 million. These rates are listed in the bank's rate

2.50% 15-Month CD at Banco Popular in NY & FL - Local Only

Update 7/10/09: I called again this morning, and I was told the 2.50% APY 15-month CD is still available in NY. There's also a 2.00% APY 7-month CD special. Rates are lower for CA: 2.00% APY 15-month CD and 1.75% APY 7-month CD.Banco Popular is offering a 2.50% APY 15-month CD special. Minimum deposit is $1,000. This special isn't listed at Banco Popular's website. A reader mentioned seeing these