Please read carefully:

>DISCLAIMER: Rates are for informational purposes only and do not represent an endorsement or recommendation of any listed institution. Indicated rates are those published by the institution. Updates are made by FW members. However, as rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Do your own research before you invest!

>Only FDIC Insured Banks in the USA as well as NCUA Insured Credit Unions with NO or MINIMAL restrictive membership requirements will be listed in the main rates section. Non federally insured Credit Unions will be listed in a separate section.

>This thread should include primarily rates that are posted on the institution's website as these can be more easily monitored and updated. Exceptions should be noted.

>Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC RESTRICTIONS. Other minimal restrictions should be made with a notation(Want to post about CD's that are limited by geograhic or membership restrictions? Post these deals here - The YMMV, Geographic/Membership Restricted CD Rate Thread (user updated)).

>Please post rates as "% APY".

>Please feel free to update rates as changes occur.

>Those wishing to discuss cds as a topic should post here - discussion Thread for CD Thread

>Interested in the best rates for checking accounts, money market accounts, and savings accounts? Please check here - Best Nationally Available High APY Liquid Accounts

>Where do you search for the best rates? Please post these in the resource section in the quick summary.
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Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher ( denotes high end of range)( for $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting
MM/DD/YY - date of last rate check

------------------------------------------------------------------------------
Standard Terms

3 Month
S 01/04/09 $ ebank 3.00%
S 01/04/09 $$ State Bank of India 2.78%
D 01/04/09 $ Nexity Bank 2.59%
S 01/04/09 $ Umbrella Bank 2.50%
D 01/04/09 $ Imperial Capital Bank 2.50%
S 01/04/09 $ EverBank 2.50%
D 01/04/09 $$$ FirstFedDirect 2.35% (CA excluded)
D 12/20/08 $$ UFB Direct 2.33%
D 01/04/09 $$$ Pacific Mercantile Bank 2.33%
D 01/04/09 $ GMAC Bank 2.30%
S 12/10/08 $$$ CountryWide 2.15%
D 12/20/08 $$$ La Jolla Bank 2.15%
D 01/04/09 $$ Tennessee Commerce 2.15%
D 12/10/08 $$$ Virtual Bank 2.02%
D 12/20/08 $$ Indymac 2.00%
D 12/20/08 $$$ E-LOAN 2.00%
D 12/10/08 $ Bank of America NEA 1.97%
D 12/20/08 $$ Discover Bank 1.94%
D 12/22/08 $$$ Advanta Bank 1.80%
D 01/04/09 $$ Giant Bank 1.75%

6 Month
S 01/04/09 $ Imperial Capital Bank 3.45%
S 01/04/09 $ Doral Bank Direct 3.25%
S 01/04/09 $ ebank 3.25%
S 01/04/09 $ Millennium Bank 3.25%
U 01/04/09 $ Centennial Bank 3.24%
D 12/20/08 $$ Intervest Bank 3.20%
D 01/04/09 $ GMAC Bank 3.15%
S 12/07/08 $ HSBC Direct 3.10%
D 01/04/09 $$ State Bank of India 3.03%
D 12/23/08 $ FNBO 3.01%
D 01/06/09 $$$ Corus Bank 3.00%
S 12/07/08 $ Citibank 3.00%
D 12/20/08 $$$ La Jolla Bank 3.00%
D 12/20/08 $ Nexity Bank 3.00%
S 12/20/08 $$ Indymac 3.00%
D 12/20/08 $$$ Pacific Mercantile Bank 3.00%
D 12/20/08 $ Ascencia Bank 2.95%
D 12/22/08 $ Bank of Internet USA 2.94%
D 01/04/09 $$ Tennessee Commerce 2.90%
D 01/04/09 $ EverBank 2.85%
D 01/04/09 $$$ Affinity Bank 2.85%
D 12/07/08 $$$ Virtual Bank 2.79%
D 01/04/09 $$$ FirstFedDirect 2.78% (CA excluded)
S 12/07/08 $ State Farm Bank 2.75%
S 01/04/09 $ Umbrella Bank 2.75%
S 12/07/08 $ Presidential Bank 2.75%
D 12/07/08 $ National Bank of Kansas City 2.65%
S 12/07/08 $$$ CountryWide 2.65%
S 12/07/08 $$$ American Bank 2.60%
D 12/20/08 $$$ E-LOAN 2.60%
D 01/04/09 $$ Giant Bank 2.56%
D 12/07/08 $ Bank of Canton 2.50%
D 01/04/09 $ First Trade Union Bank 2.50%
D 01/04/09 $ Patelco Credit Union 2.50%
D 12/20/08 $$ Discover Bank 2.50%
S 12/07/08 $ EmigrantDirect 2.50%- Must have American Dream Savings Account
D 12/07/08 $ iGObanking.com 2.38%
D 12/20/08 $$ UFB Direct 2.33%
D 12/07/08 $$ KeyDirect 2.25% - rates vary by location
D 12/07/08 $ E*Trade Bank 2.23%
S 12/07/08 $ Lehman Brothers Bank 2.0711%
D 12/22/08 $$$ MetLife Bank 2.05%
D 12/30/08 $ ING Direct 2.00%
S 12/07/08 $ Transportation Alliance Bank 2.00%
S 12/24/08 $ WaMu 2.00% online only
D 12/22/08 $$$ Advanta Bank 2.00%
D 1/01/09 $ Pentagon Federal Credit Union 1.75%
D 12/07/08 $ AmTrust Direct 1.50%
D 12/07/08 $$ Element Financial 1.12%

9 Month
U 01/04/09 $ Centennial Bank 3.42%
S 01/04/09 $ ebank 3.30%
S 01/04/09 $ Imperial Capital Bank 3.25%
S 01/04/09 $ Doral Bank Direct 3.25%
S 01/04/09 $ Umbrella Bank 3.10%
D 01/04/09 $ GMAC Bank 3.10%
D 12/20/08 $ Nexity Bank 3.05%
D 12/23/08 $ FNBO 3.01%
D 12/20/08 $$ Indymac 3.00%
S 12/07/08 $ One United 3.00%
D 12/07/08 $ iGObanking.com 3.00%
D 12/07/08 $$ KeyDirect 3.00% - rates & availability VARY by location
D 12/07/08 $ HSBC Direct 3.00%
D 12/20/08 $$ Discover Bank 2.90%
D 01/04/09 $ EverBank 2.85%
D 01/04/09 $$$ FirstFedDirect 2.85% (CA excluded)
D 12/07/08 $$$ Virtual Bank 2.79%
D 12/20/08 $$$ E-LOAN 2.75%
D 12/24/08 $ Patelco Credit Union 2.75%
D 12/07/08 $$$ National Bank of Kansas City 2.65%
D 12/22/08 $$$ MetLife Bank 2.65%
D 12/07/08 $ Citibank 2.62%
D 01/04/09 $$ Giant Bank 2.61%
S 12/22/08 $$$$ Advanta Bank 2.56%
D 01/04/09 $$$ CountryWide 2.40%
D 12/30/08 $ ING Direct 2.25%
D 12/07/08 $ AmTrust Direct 1.00%

1 Year
S 01/05/09 $ Patelco Credit Union 7.00% NEW MEMBER ONLY - min. $1000 - max. $1000
S 01/05/09 $ Flagstar Bank 3.75% (Selectable 12-14 term)
S 01/05/09 $ GMAC Bank 3.75%
U 01/05/09 $ Centennial Bank 3.65%
S 01/05/09 $$$$ Alliant Credit Union 3.65%
D 01/05/09 $ Imperial Capital Bank 3.60%
D 01/06/09 $$$ Corus Bank 3.50%
S 01/05/09 $ Alliant Credit Union 3.50%
S 01/05/09 $ ebank 3.50%
S 01/05/09 $ Millennium Bank 3.50%
D 01/05/09 $$$ Pacific Mercantile Bank 3.49%
S 01/05/09 $ Umbrella Bank 3.45%
D 01/05/09 $$ Tennessee Commerce 3.40%
D 01/05/09 $ Doral Bank Direct 3.25%
S 01/05/09 $$$ La Jolla Bank 3.25%
D 01/05/09 $ EverBank 3.25%
D 01/05/09 $$ State Bank of India 3.24%
D 01/05/09 $$$ E-LOAN 3.10%
S 01/05/09 $ Nexity Bank 3.10%
D 01/05/09 $$ Intervest Bank 3.05%
D 01/05/09 $$$ FirstFedDirect 3.05% (CA excluded)
D 01/05/09 $ Delta Community Credit Union 3.00%
D 01/05/09 $$$ Advanta Bank 3.00%
D 01/05/09 $ HSBC Direct 3.00%
D 01/05/09 $ Presidential Bank 3.00%
S 01/05/09 $$$ MetLife Bank 3.00%
S 01/05/09 $$ Bank United 3.00%
D 01/05/09 $ National Bank of Kansas City 2.95%
D 01/05/09 $ Patelco Credit Union 2.90%
D 01/05/09 $$ Indymac 2.90%
S 01/05/09 $ Ascencia Bank 2.95%
D 01/05/09 $$ Giant Bank 2.86%
D 01/05/09 $$ California First National Bank 2.80%
D 01/05/09 $ Bank of Canton 2.80%
S 01/05/09 $ Fort Belvoir Federal Credit Union 2.75%
S 01/05/09 $ ING Direct 2.75%
D 01/05/09 $$ Discover Bank 2.75%
D 01/05/09 $$$ American Bank 2.75%
D 01/05/09 $ Citibank 2.55%
S 01/05/09 $$$ Centennial Bank (Ca.) 2.53%
D 01/05/09 $ FNBO 2.51%
D 01/05/09 $$$ Affinity Bank 2.50%
S 01/05/09 $ Transportation Alliance Bank 2.50%
D 01/05/09 $$ Wachovia 2.40% APY - rates vary by location
S 01/05/09 $$ UFB Direct 2.30%
D 01/05/09 $ Bank of Internet USA 2.28%
S 01/05/09 $ WaMu 2.25% - online
D 01/05/09 $ iGObanking.com 2.25%
S 01/05/09 $$$$ Lehman Brothers Bank 2.1221%
D 01/05/09 $$$ CountryWide 2.10%
D 01/05/09 $$ Capital One Direct Banking 2.00%
D 01/05/09 $ State Farm Bank 1.87%
D 01/05/09 $ E*Trade Bank 1.80%
D 01/05/09 $ Pentagon Federal Credit Union 2.00%
S 01/05/09 $$ KeyDirect 1.75% - rates & availability VARY by location
D 01/05/09 $ AmTrust Direct 1.00%

18 Month (1.5 Year)
S 01/05/09 $ Doral Bank Direct 3.75%
S 01/05/09 $ Millennium Bank 3.75%
U 01/05/09 $ Centennial Bank 3.70%
S 01/05/09 $$$$ Alliant Credit Union 3.65%
D 01/05/09 $ GMAC Bank 3.50%
S 01/05/09 $ Umbrella Bank 3.50%
D 01/05/09 $ Alliant Credit Union 3.50%
D 01/05/09 $$ Tennessee Commerce 3.45%
S 01/05/09 $ ebank 3.40%
D 01/05/09 $ Imperial Capital Bank 3.30%
D 01/05/09 $$$ Pacific Mercantile Bank 3.30%
U 01/05/09 $ EverBank 3.25%
D 01/05/09 $$$ MetLife Bank 3.20%
D 01/05/09 $$$ E-LOAN 3.15%
D 01/05/09 $$$ Advanta Bank 3.15%
D 01/05/09 $$ Intervest Bank 3.15%
D 01/05/09 $ FNBO 3.01%
D 01/05/09 $$$ Affinity Bank 3.00%
D 01/05/09 $ One United 3.00%
D 01/05/09 $ Fort Belvoir Federal Credit Union 3.00%
U 01/05/09 $ HSBC Direct 3.00%
D 01/05/09 $$ National Bank of Kansas City 2.95%
D 01/05/09 $ Patelco Credit Union 2.90%
D 01/05/09 $$ Capital One Direct Banking 2.80%
D 01/05/09 $$$ American Bank 2.80%
D 01/05/09 $$ Capital One Direct Banking Costco 2.80%
D 01/05/09 $$$ Virtual Bank 2.79%%
D 01/05/09 $ OnBank 2.75%
D 01/05/09 $ Nova Bank 2.75%
D 01/05/09 $$ Discover Bank 2.75%
D 01/05/09 $$ KeyDirect 2.75% - rates & availability VARY by location
D 01/05/09 $ ING Direct 2.75%
D 01/05/09 $ iGObanking.com 2.50%
D 01/05/09 $ WaMu 2.25% online only
D 01/05/09 $ Bank of Internet USA 2.25%
D 01/05/09 $$$$ Lehman Brothers Bank 2.1732%
D 01/05/09 $$ Indymac 2.15%
D 01/05/09 $$$ CountryWide 2.00%
D 01/05/09 $ E*Trade Bank 1.55%
D 01/05/09 $ AmTrust Direct 1.00%

2 Year (24 Month)
S 01/05/09 $ Millennium Bank 4.00%
S 01/05/09 $$$$ Alliant Credit Union 3.80%
U 01/05/09 $ Centennial Bank 3.77%
D 01/05/09 $ GMAC Bank 3.65%
D 01/05/09 $ Alliant Credit Union 3.65%
S 01/05/09 $ Umbrella Bank 3.60%
D 01/05/09 $ Imperial Capital Bank 3.50%
D 01/05/09 $$ Tennessee Commerce 3.50%
D 01/05/09 $$$ E-LOAN 3.50%
D 01/05/09 $$ Capital One Direct Banking 3.50%
D 01/05/09 $ EverBank 3.50%
D 01/05/09 $$$ La Jolla Bank 3.50%
D 01/05/09 $$$ MetLife Bank 3.50%
D 01/05/09 $$$$ USA Federal Credit Union 3.45%
S 01/05/09 $ ebank 3.40%
S 01/05/09 $ Patelco Credit Union 3.35%
D 01/05/09 $$$ Advanta Bank 3.30%
D 01/05/09 $ Presidential Bank 3.25%
D 01/05/09 $$ Intervest Bank 3.25%
D 01/05/09 $$$ Affinity Bank 3.25%
D 01/05/09 $ FNBO 3.25%
S 01/05/09 $ Fort Belvoir Federal Credit Union 3.25%
D 01/05/09 $ iGObanking.com 3.25%
S 01/05/09 $ Doral Bank Direct 3.25%
D 01/05/09 $$ State Bank of India 3.24%
D 01/05/09 $$$ Pacific Mercantile Bank 3.19%
D 01/05/09 $$$ American Bank 3.15% - 1 Rate Bump Up
D 01/05/09 $$ Discover Bank 3.10%
D 01/05/09 $$ California First National Bank 3.10%
D 01/05/09 $$ KeyDirect 3.00% - rates & availability VARY by location
D 01/05/09 $ Bank of Canton 3.00%
D 01/05/09 $ Bank of Internet USA 3.00%
D 01/05/09 $$$ National Bank of Kansas City 3.00%
D 01/05/09 $ Nexity Bank 2.85%
D 01/05/09 $$$ Virtual Bank 2.79%
S 01/05/09 $$$ Centennial Bank (Ca.) 2.79%
D 01/05/09 $ Nova Bank 2.75%
D 01/05/09 $ ING Direct 2.75%
N 01/05/09 $ Giant Bank 2.75%
D 01/05/09 $ Transportation Alliance Bank 2.60%
D 01/05/09 $ OnBank 2.50%
D 01/05/09 $ HSBC Direct 2.50%
D 01/05/09 $ One United 2.50%
D 01/05/09 $$$ National City Bank 2.40%
D 01/05/09 $$ Indymac 2.40%
D 01/05/09 $$ UFB Direct 2.30%
D 01/05/09 $$$$ Lehman Brothers Bank 2.2754%
D 01/05/09 $ Pentagon Federal Credit Union 2.25%
D 01/05/09 $ WaMu 2.25%
D 01/05/09 $ State Farm Bank 2.16%
D 01/05/09 $ Ascencia Bank 2.00%
S 01/05/09 $ Citibank 2.00%
D 01/05/09 $$$ CountryWide 1.75%
D 01/05/09 $ E*Trade Bank 1.20%
S 01/05/09 $ AmTrust Direct 1.00%

30 Month (2.5 Year)
S 01/04/09 $$ Capital One Direct Banking 3.50%
S 01/04/09 $ ebank 3.40%
S 01/04/09 $ Patelco Credit Union 3.35%
D 01/04/09 $$$ Advanta Bank 3.35%
D 12/29/08 $ Fort Belvoir Federal Credit Union 3.30%
D 01/04/09 $$ Intervest Bank 3.30%
S 01/04/09 $ Umbrella Bank 3.20%
D 01/04/09 $ EverBank 3.05%
D 12/24/08 $ National Bank of Kansas City 3.00%
D 12/24/08 $ Bank of Internet USA 3.00%
D 01/04/09 $$ KeyDirect 3.00% - rates & availability VARY by location
D 12/24/08 $$ Discover Bank 2.80%
D 12/24/08 $$$ National City Bank 3.00%
S 12/22/08 $$$ Affinity Bank 3.75%
D 12/10/08 $ HSBC Direct 2.75%
D 12/30/08 $ ING Direct 2.75%
D 12/20/08 $ Ascencia Bank 2.00%
D 12/10/08 $$$ CountryWide 2.00%
D 12/10/08 $ E*Trade Bank 1.83%
D 12/10/08 $ AmTrust Direct 1.00%

3 Year (36 Month)
S 01/04/09 $ Millennium Bank 4.10%
S 01/01/09 $ Pentagon Federal Credit Union 4.00%
S 01/04/09 $ Centennial Bank 3.95%
D 01/04/09 $$$$ USA Federal Credit Union 3.75%
D 12/22/08 $$$ Affinity Bank 3.75%
D 12/20/08 $$ Capital One Direct Banking 3.75%
S 01/04/09 $ Imperial Capital Bank 3.70%
D 12/29/08 $$ Intervest Bank 3.70%
D 12/29/08 $$ Mutual Bank 3.68%
D 01/04/09 $ GMAC Bank 3.65%
D 12/20/08 $$$ E-LOAN 3.65%
D 01/04/09 $$$ National City Bank 3.65%
D 12/20/08 $$$ La Jolla Bank 3.60%
D 12/11/08 $ Bank of Internet USA 3.60%
D 12/22/08 $$$ MetLife Bank 3.60%
S 12/11/08 $ Fort Belvoir Federal Credit Union 3.56%
S 12/11/08 $ Patelco Credit Union 3.55%
D 01/04/09 $$ Tennessee Commerce 3.55%
D 12/22/08 $$$ Advanta Bank 3.55%
D 01/04/09 $$ State Bank of India 3.55%
D 12/20/08 $ EverBank 3.50%
U 12/22/08 $$ California First National Bank 3.50%
D 01/04/09 $$ Discover Bank 3.45%
S 12/20/08 $ Doral Bank Direct 3.50%
D 12/11/08 $ Bank of Canton 3.50%
D 12/11/08 $$$ American Bank 3.50% - Rate Bump Up
S 01/04/09 $ ebank 3.40%
D 12/11/08 $ State Farm Bank 3.35%
S 01/04/09 $$$ Centennial Bank (Ca.) 3.30%
D 12/24/08 $ National Bank of Kansas City 3.25%
S 01/04/09 $ Umbrella Bank 3.20%
D 12/11/08 $ OnBank 3.10%
D 12/11/08 $$$ Virtual Bank 3.05%
D 12/20/08 $$$ Pacific Mercantile Bank 3.01%
S 12/20/08 $$ Indymac 3.00%
D 12/11/08 $ Allied First Bank 2.75%
D 01/04/09 $$ Giant Bank 2.75%
D 12/11/08 $ HSBC Direct 2.75%
D 12/30/08 $ ING Direct 2.75%
D 12/30/08 $$ KeyDirect 2.75% - rates & availability VARY by location
D 12/11/08 $ Transportation Alliance Bank 2.70%
D 12/11/08 $ One United 2.50%
D 01/04/09 $ iGObanking.com 2.50%
D 12/24/08 $ WaMu 2.50% online only
D 12/11/08 $$$$ Lehman Brothers Bank 2.3778%
D 12/20/08 $$ UFB Direct 2.30%
D 12/11/08 $$$ CountryWide 2.25%
D 12/11/08 $ Citibank 2.23%
D 12/20/08 $ Ascencia Bank 2.00%
D 12/11/08 $ E*Trade Bank 1.93%
D 12/11/08 $ AmTrust Direct 1.00%

4 Year (48 Month)
S 01/01/09 $ Pentagon Federal Credit Union 4.25%
S 01/04/09 $ Millennium Bank 4.25%
U 01/04/09 $ Centennial Bank 4.22%
S 01/04/09 $$$ National City Bank 4.10%
S 01/04/09 $ Patelco Credit Union 4.10%
D 12/20/08 $$ Intervest Bank 3.99%
S 12/11/08 $ Fort Belvoir Federal Credit Union 3.90%
D 01/04/09 $$$$ USA Federal Credit Union 3.87%
D 12/20/08 $$$ E-LOAN 3.75%
D 12/24/08 $$ Discover Bank 3.75%
D 12/20/08 $$ Capital One Direct Banking 3.75%
S 12/11/08 $$$ American Bank 3.75% - 2 Rate Bump Ups
D 12/22/08 $$$ Advanta Bank 3.70%
S 12/11/08 $ iGObanking.com 3.65%
D 01/04/09 $ GMAC Bank 3.65%
D 12/22/08 $$$ MetLife Bank 3.60%
D 01/04/09 $$ Tennessee Commerce 3.60%
S 01/04/09 $$$ Centennial Bank (Ca.) 3.56%
D 12/24/08 $ WaMu 3.51% online only
S 12/20/08 $ Doral Bank Direct 3.50%
D 12/24/08 $ National Bank of Kansas City 3.50%
D 12/20/08 $ EverBank 3.50%
D 01/04/09 $$ KeyDirect 3.50% - rates & availability VARY by location
D 12/11/08 $ State Farm Bank 3.40%
S 01/04/09 $ ebank 3.40%
D 12/20/08 $ Umbrella Bank 3.25%
D 12/11/08 $ Citibank 3.20%
D 12/11/08 $ OnBank 3.15%
D 12/11/08 $$$ Virtual Bank 3.05%
D 12/11/08 $ Allied First Bank 3.00%
D 12/11/08 $ Bank of Internet USA 3.00%
D 12/20/08 $$ Indymac 2.90%
D 12/11/08 $ Transportation Alliance Bank 2.85%
D 12/11/08 $ HSBC Direct 2.75%
D 12/30/08 $ ING Direct 2.75%
D 12/11/08 $$$ CountryWide 2.50%
D 12/11/08 $$$$ Lehman Brothers Bank 2.4290%
D 12/11/08 $ E*Trade Bank 2.13%
D 12/11/08 $ AmTrust Direct 1.00%

5 Year (60 Month)
S 01/04/09 $$$$ USA Federal Credit Union 4.65%
U 01/04/09 $ Centennial Bank 4.54%
S 01/01/09 $ Pentagon Federal Credit Union 4.50%
S 01/04/09 $ Millennium Bank 4.50%
D 01/04/09 $$$ National City Bank 4.30%
D 12/20/08 $$ Mutual Bank 4.22%
S 12/11/08 $ National Bank of Kansas City 4.20%
S 12/11/08 $ Patelco Credit Union 4.20%
D 12/20/08 $$$ E-LOAN 4.15%
S 12/11/08 $ Fort Belvoir Federal Credit Union 4.12%
D 12/20/08 $$ Tennessee Commerce 4.10%
D 12/20/08 $$ Intervest Bank 4.10%
S 01/04/09 $$ State Bank of India 4.06%
D 12/20/08 $ EverBank 4.05%
S 12/29/08 $$ Capital One Direct Banking Costco 4.05%
D 12/11/08 $$$ Pacific Mercantile Bank 4.04%
S 01/04/09 $ Imperial Capital Bank 4.00%
D 01/04/09 $ GMAC Bank 4.00%
D 12/24/08 $ WaMu 4.00% online only
S 01/04/09 $ ebank 4.00%
D 12/29/08 $$ Discover Bank 4.00%
S 12/29/08 $$ Capital One Direct Banking 4.00%
D 12/20/08 $$$ La Jolla Bank 4.00%
D 12/11/08 $ Bank of Internet USA 3.90%
D 12/22/08 $$$ Advanta Bank 3.85%
D 01/04/09 $$$ Centennial Bank (Ca.) 3.82%
S 12/11/08 $ Presidential Bank 3.75%
S 01/04/09 $$ KeyDirect 3.75% - rates & availability VARY by location
S 12/11/08 $ iGObanking.com 3.75%
D 12/22/08 $$$ Affinity Bank 3.75%
D 12/22/08 $$$ MetLife Bank 3.60%
S 12/11/08 $ Doral Bank Direct 3.50%
D 12/11/08 $ State Farm Bank 3.50%
D 12/11/08 $ Citibank 3.44%
D 12/11/08 $ OnBank 3.25%
D 12/20/08 $ Umbrella Bank 3.25%
D 12/11/08 $ Allied First Bank 3.25%
D 12/11/08 $$$ Virtual Bank 3.05%
D 01/04/09 $$ Giant Bank 3.00%
D 12/11/08 $ Transportation Alliance Bank 3.00%
S 12/20/08 $$ Indymac 2.90%
D 12/30/08 $ ING Direct 2.75%
D 12/11/08 $$$ CountryWide 2.60%
D 12/11/08 $$$$ Lehman Brothers Bank 2.4802%
D 12/11/08 $ E*Trade Bank 2.32%
D 12/20/08 $$ UFB Direct 2.30%
D 12/20/08 $ Ascencia Bank 2.00%
D 12/11/08 $ AmTrust Direct 1.00%

Odd Terms

1-5 Month
S 12/31/08 $ 1 Month Umbrella Bank 2.30%
S 12/31/08 $$$ 1 Month Virtual Bank 1.26%
S 12/31/08 $ 2 Month Umbrella Bank 2.50%
S 12/31/08 $$$ 2 Month Virtual Bank 1.51%
D 12/31/08 $ 4 Month Hudson City Savings Bank 3.00%
D 12/31/08 $$$ 4 Month La Jolla Bank 2.15%
D 12/10/08 $$ 5 Month First Republic 3.40%
D 01/04/09 $ 5 Month Century Bank Direct 2.91%
D 12/31/08 $$$ 5 Month La Jolla Bank 2.15%

7-11 Month
D 12/10/08 $$ 7 Month IndyMac 3.00%
D 12/10/08 $ 7 Month Hudson City Savings Bank 2.90%
S 12/10/08 $$ 7 Month Wachovia 2.60%
D 12/10/08 $$ 7 Month Bank of America 2.50%
D 12/10/08 $$ 7 Month KeyDirect 2.25% - rates & availability VARY by location
S 12/20/08 $ 11 Month Digital Federal Credit Union 3.75%
D 12/10/08 $$ 8 Month First Republic 3.70%
D 12/10/08 $$$ 8 Month Chevy Chase Bank 3.25%
D 12/10/08 $ 8 Month WaMu 2.65% online only
D 12/10/08 $ 8 Month iGObanking.com 2.55%
N 12/08/08 $$ 10 Month Agriculture Federal Credit Union 4.25% min $5000
D 12/10/08 $ 10 Month Century Bank Direct 3.71%
S 12/10/08 $$$ 10 Month La Jolla Bank 3.70%
D 12/10/08 $$ 11 Month NASA Federal Credit Union 3.90%
D 12/10/08 $$ 11 Month IndyMac 3.15%

13-15 Month
D 12/10/08 $ 13 Month US Bank 3.00%
S 12/20/08 $$ 13 Month IndyMac 3.80%
S 12/10/08 $ 13 Month First Trade Union Bank 3.35%
D 12/23/08 $ 13 Month WaMu 2.75% online only
D 12/10/08 $ 13 Month iGObanking.com 2.99%
D 12/10/08 $$ 14 Month Key Bank Direct 3.80%
D 12/10/08 $ 14 Month ebank 3.50%
D 01/04/09 $$$ 15 Month Chevy Chase Bank 3.51%
D 01/04/09 $ 15 Month Century Bank Direct 3.06%
D 01/04/09 $ 15 Month iGObanking.com 2.75%

Other
S 01/06/09 $ 16 Month DollarSavingsDirect 3.50%
D 12/10/08 $ 20 Month Century Bank Direct 4.01%
D 12/10/08 $$ 23 Month Key Bank Direct 3.80%
N 12/10/08 $ 37 Month US Bank 2.85%
D 12/10/08 $$$ 42 Month Advanta Bank 4.35%
D 12/10/08 $ 59 Month US Bank 3.65%
D 12/10/08 $$$ 6 Year E-LOAN 4.75%
D 12/10/08 $$ 6 Year KeyDirect 4.55% - rates & availability VARY by location
D 12/20/08 $$ 7 Year Capital One Direct Banking Costco 5.05%
D 12/2008 $$ 7 Year Capital One Direct Banking 5.00%
D 12/20/08 $$ 7 Year Discover Bank 4.74%
D 1/01/09 $ 7 Year Pentagon Federal Credit Union 4.50%
D 12/10/08 $$ 7 Year KeyDirect 4.55% - rates & availability VARY by location
D 12/10/08 $$$ 7 Year CountryWide 2.60%
D 12/20/08 $$ 10 Year Capital One Direct Banking 5.00%
D 12/20/08 $$ 10 Year Discover Bank 5.05%
D 12/13/08 $$ 10 Year Intervest Bank 4.90%
D 12/10/08 $$ 10 Year KeyDirect 4.55% - rates & availability VARY by location

Resources to search for the best rates:
BankAround.com
Money-rates.com (short term CD Rates)
Money-rates.com CD Rates (long term CD Rates)
BanxCorp - http://www.banxquote.com
bankdeals.blogspot.com
Bankrate.com
BestCashCow.com
eMoneyCentral
credituniondeals.com
rateAPY.com
bankCD.com
GOtalkmoney.com
RateZip CD Rates
ZapRite.com