• 0.5 percent annual percentage yield (APY) for 91-day single maturity
•  1 percent APY for 182-day
•  1.21 percent APY for 1 year
•  1.31 percent APY for 18 months
•  1.51 percent APY for 2 years
•  2.02 percent APY for 3 years
•  2.17 percent APY for 4 years

All of the CD rates are for single maturity and auto-renewable CDs, except for the 91 day CD. The 91- and 182-day CDs require a minimum opening deposit of $2,500. For other certificates of deposit the minimum opening deposit is $1,000. You can elect to have interest paid by check, checking deposit, savings deposit or added onto the CD. Early withdrawal penalties include 3 months interest for 1-year CDs and 6 month’s interest fo 2, 3, and 4-year CDs. The penalty early withdrawal of a 91-day certificate of deposit is 91 days interest and 3 month’s interest for a 182-day CD. Deposits at First National Bank of Pawnee are insured by the Federal Deposit Insurance Corp.

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• Minimum opening deposit of $1,000
• $20 monthly service fee
• Monthly service fee waived for minimum daily balance of $10,000
• Up to six debits per month, including checks
• Free online banking and bill pay
• Interest compounds daily and is posted at the end of each month

Excel National Bank also has a 2-year certificate of deposit that earns 1.01 percent APY. The CD rate is currently good for balances. The bank offers other CD rates and terms that include:

• 3 months earns 0.3 percent APY
• 6 months earns 0.5 percent APY
• 1 year earns 0.8 percent APY

The minimum opening deposit for certificates of deposit is $10,000 and there are no monthly service fees. Interest on CDs compounds daily and is credited upon maturity unless you choose to to receive interest payments. Withdrawing funds early from a certificate of deposit may result in a penalty.

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1. AloStar Bank of Commerce (AL) CD Rates

• 0.26 percent APY for 30 days
• 0.81 percent APY for 90 days
• 1.12 percent APY for 6 months
• 1.08 percent APY for 9 months
• 1.17 percent APY for 17 months

You need a minimum opening deposit of $1,000 to open a certificate of deposit at Alostar. Interest is compounded daily. For CDs of 12 months or less any interest earned is paid at maturity. For CDs with terms over 12 months interest earned is paid annually. There is a substantial penalty for withdrawing funds early.

The bank also has a money market account that earns 1.06 percent APY on balances of $50,000 and up. Balances below that amount earn 0.5 percent APY. The money market offer is good for new customers who deposit at least $50,000 and for existing bank customers who transfer at least $25,000 from an external account. AloStar Bank of Commerce is based in Birmingham, Ala.

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There are also longer term certificate of deposits with the following current cd rates fixed at 2.10% APY (12-17 months), 2.35% APY (18-23 months), 2.60% APY (24-29 months).

The certificate of deposit special offer is only posted on the main page of the bank and not on the rates table. According to the customer service representative, the interest rates printed on the site’s front page is still accurate. Like before, it will be best to call them to verify the interest rates since they can be updated any time.

Accounts can be opened via mail for consumers from any state. Interested individuals can call their service line so the bank can send you the application forms via email. Consumers are given 1.5 weeks to completely fill out the forms and send in the check so they can lock the current cd rates.

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It appears a branch visit is required to open accounts. Branches are located in Houston, Dallas and their suburbs.

The bank has decent ratings for safety and soundness: 3.5 stars (good) at BauerFinancial and 4 stars (sound) at Bankrate. Both ratings are based on 12/31/08 financial data. The bank is FDIC insured.

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It’s rare when ING Direct offers a top yield. ING Direct customers typically are willing to sacrifice a little less yield in return for a better online account process. This time you don’t have to sacrifice. ING Direct offers is an easy CD account opening process that’s all electronic. Managing the CD is also easy. When the CD matures, you can log in and immediately transfer it back to the funding account or your ING savings account.

Some of the ING Direct’s certificate of deposit details include:

• No minimum deposit requirement
• Early withdrawal penalty for terms of over 12 months is 6 months interest.
• Grace period at maturity is 10 calendar days
• You can receive interest disbursements on a monthly basis deposited to your Electric Orange, your Orange Savings or a verified external account
• Joint accounts and Living Trust accounts can be opened.
• The following accounts are not available: business, power of attorney, beneficiary or individual retirement accounts.

ING Direct is also a good choice for those looking for a strong bank. However, its ratings have recently gone down at both BauerFinancial and Bankrate. It’s currently rated 3 stars (performing) at Bankrate.com and 3.5 stars (good) at BauerFinancial based on 6/30/08 data.

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1. American First National Bank CDs

It appears that a branch visit may be required to open an account. Branches are located in Ormond Beach and Port Orange, FL.

The bank’s financial ratings are mixed: 2 star rating (below peer group) at Bankrate.com and 4 star rating (excellent) at BauerFinancial. Both are based on 3/31/08 data.

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1. American First National Bank CDs
2. ING Direct Raises 18 Month CD

Accounts can be opened online or by mail. According to the online application, you can fund accounts by mailing a check, wire transfer or a transfer from another ICB account.

The early withdrawal penalty for the 9-month term is a little severe: 181 days of interest. The wire transfer fees are $12 for incoming and $25 for outgoing.

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1. US Bank Long Term CDs
2. ELOAN Raises CD Rates

Here are some of the details on ELOAN CDs:

• Individual, Joint and Living Trust Accounts can be opened.
• Beneficiary can be added in the application
• $10,000 minimum deposit
• No early withdrawal permitted during the first 90 days
• Eary withdrawal penalty: 3 months interest for 1 year or shorter term and 6 months for over 1 year term
• Grace period: 10 calendar days
• No interest is paid past the maturity date on accounts closed during the grace period
• Interest is compounded daily and credited monthly (same as savings)
• CD is opened like savings account with one linked checking/savings account which will fund the CD
• Linked account can be your E-LOAN savings account
• Option is available to transfer interest monthly by ACH from CD to linked account
• At maturity, you can instruct E-LOAN via the secure message system to close CD and transfer money back to your linked account

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1. Eloan.com CD Rates
2. ING Direct Raises 18 Month CD
3. Imperial Capital Bank increases CDs

One important detail regarding this CD is a severe early withdrawal penalty. According to the CD disclosure, the penalty for the 59 month CD would be over 29.5 months of interest on the amount withdrawn.

US Bank does have an online application. However, you can only open the CD online if you already have a checking account with them and you use the checking account to fund the CD. Otherwise, you have to come into one of their branches. They do not accept checks by mail to fund a CD.

US Bank has branches in 26 states. It’s a large bank with $232.8 billion in assets.

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