Finding the best CD rates during difficult economic times can provide you with an investment you can count on.
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Read more below.
Recent National Live Auction CD Rates
for October 19, 2012
| Term | National Avg APY* | Overnight Auction APY† | |
|---|---|---|---|
| High-Yield Savings Account Rates | 0.07% | 0.50% | |
| 3 Month CD Rates | 0.08% | 0.65% | |
| 9 Month CD Rates | 0.19% | 0.60% | |
| 1 Year CD Rates | 0.19% | 0.90% | |
| 2 Year CD Rates | 0.34% | 0.90% |
More National CD RatesShow me CD Rates offered to people from my state: Alabama CD Rates Alaska CD Rates Arizona CD Rates Arkansas CD Rates California CD Rates Colorado CD Rates Connecticut CD Rates Delaware CD Rates District of Columbia CD Rates Florida CD Rates Georgia CD Rates Hawaii CD Rates Idaho CD Rates Illinois CD Rates Indiana CD Rates Iowa CD Rates Kansas CD Rates Kentucky CD Rates Louisiana CD Rates Maine CD Rates Maryland CD Rates Massachusetts CD Rates Michigan CD Rates Minnesota CD Rates Mississippi CD Rates Missouri CD Rates Montana CD Rates Nebraska CD Rates Nevada CD Rates New Hampshire CD Rates New Jersey CD Rates New Mexico CD Rates New York CD Rates North Carolina CD Rates North Dakota CD Rates Ohio CD Rates Oklahoma CD Rates Oregon CD Rates Pennsylvania CD Rates Puerto Rico CD Rates Rhode Island CD Rates South Carolina CD Rates South Dakota CD Rates Tennessee CD Rates Texas CD Rates Utah CD Rates Vermont CD Rates Virginia CD Rates Washington CD Rates West Virginia CD Rates Wisconsin CD Rates Wyoming CD Rates
*Source: TheStreet.com
†Overnight Auction APY is a sample rate for a nightly auction for a $50,000 deposit.
The following factors are at play when looking for the best CD rates:
- The duration (or length) of the CD.
- Your deposit amount.
- The current interest rates.
CD Duration
You can have your money in a CD for upwards of five years or as little an amount of time as three months. CD rates can vary based on the duration you choose.
Deposit Amount
Some banks and credit unions will give you a higher CD rate for a larger deposit (these are sometimes referred to as “jumbo CDs”), and some banks and credit unions, looking for new deposits, may give higher CD rates as part of a promotion.
Current Interest Rates
CD rates are usually set according to other rates out on the market. If you see interest rates rising, you will generally also see a correlation with CD rates. If it looks like interest rates are going to fall then you may not get as high a CD rate on a longer-term deposit.
The MoneyAisle Solution
One way to compare several CD rates at once in the span of a couple of minutes is by trying out a MoneyAisle auction – many banks and credit unions compete live for your CD deposit. By registering for an account and then running an auction for the best CD rate available in our system you’ll get the advantage of comparing a large number of rates in just a couple of minutes.
You can also run a test-drive without having to register – a test-drive auction is a real auction with real banks and credit unions bidding their rates – you’ll get to see the best CD rate available in our system at the time of your auction, but you’ll have to register or sign in in order to see the winning financial institutions and open your account.
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