Wachovia is advertising a 5.41% APY on a 6-month CD or CD IRA. The CD minimum deposit is $5,000, and the IRA CD minimum is $2,000. You must be a new or existing checking account customer. This doesn’t seem to be listed at Wachovia’s website. This deal seems to be offered in South Florida. There are advertisements in the Daytona Beach, Florida newspaper and in the Dallas, Texas newspaper.