Best CD Rates Info

Today at Best CD Rates Info, we’re going to have a new look at how HSBC Bank certificate of deposit rates are doing now and bring you the latest on their CD offers.

All certificate of deposit accounts at HSBC require a $1,000 minimum deposit to open and maintain and they begin with terms of 3 months and go out to 2 years.

For a 3 or 4 month term, HSBC CD rates are 0.05% APY while for 6, 7, 8, 9, or 11 months they are 0.10% APY. A one year “plus one day” term gives 1.01% as does a 13 month term for the best CD rates at HSBC. 15 months also gives a 1.01% APY and finally a 2 year term has HSBC CD rates of 0.75% APY.

Honestly, these are not even close to nationally competitive. HSBC has really lowered their rates of return lately in comparison to other banks. Yesterday’s look at Ally Bank showed some of the best CD rates nationally and they’re several points ahead of these HSBC certificate of deposit rates.

Other offers at HSBC for interest bearing accounts are not so bad as these HSBC CD rates. Given that the bank has been focusing on international customers, it’s not surprising that they are neglecting their U.S.-based customers in regards to deposit-based savings like CDs.

Of course, HSBC is fully FDIC insured.

Here at Best CD Rates Info, we like to take a regular look at Ally Bank CD rates (formerly GMAC) to see how they’re doing. Today, we’re going to do that again and see what’s available now for the best CD rates from Ally.

Currently, as they usually do, Ally has no minimum deposit requirement or balance to avoid fees on the great Ally Bank certificate of deposit rates. So the same annual percentage yield (APY) applies whether you’re depositing $100 or $100,000.

For the short term depositor, there is a 3 month term with a 0.69% APY and a special 6 month term with a 1.14% APY. A nine month offer is at 1.00% APY while 12 months jumps to 1.48% APY.

For a little longer term, at 18 months, you can get 1.59% APY while 3 years nets 2.27% APY. 4 years goes to 2.47% APY and 5 years yields 2.94% APY.

For those interested in a special, no penalty for early withdrawal Ally Bank certificate of deposit rates account, there is an 11 month term with a 1.35% APY.

Finally, for a 2 year term, you can lock in a 1.92% APY on a raise your rates offer which allows you to raise your Ally CD rates once during the two years should they rise during that time.

All are very competitive with most national rates right now, keeping Ally Bank CD rates in the top as usual. Rates change, of course, so if you like any of these Ally CD rates, lock yours in today.

Of course, all Ally accounts are fully FDIC insured.

Today at Best CD Rates Info, we’re going to have a look at the latest offers for Flagstar Bank CD rates.

To start with, the most interesting CD rates at Flagstar Bank are their special 24-month rising rate certificate of deposit account. This account has four tiers of interest as it matures, starting for the first six months at 1.20% annual percentage yield (APY). For the second six months, it rises to 1.70% APY and for the third six months it is at 2.20% APY. Finally, it finishes the last six months of the 24 month term at CD interest rates of 2.70% APY. That averages to 1.95% APY for the 24 months compared to the standard Flagstar Bank CD rates for 24 months at 1.60% APY.

Other CD rates at Flagstar Bank start at 30 days at 0.05% APY, 90 days at 0.15% APY, 180 days at 0.75% APY, and 12 months at 1.30% APY (or a Smart Choice option at 1.50% APY with a higher deposit requirement).

At 18 months, Flagstar CD rates are 1.50% APY, 24 months at 1.60% APY, 30 months at 1.60% APY, and 36 months at 1.94% APY.

Flagstar CD rates at 48 months are 2.35% APY, at 60 months they are 2.59% APY, at 72 months they are 2.59% APY and at 84 months they are 2.59% APY. Longer terms give best CD rates of 2.59% APY for 96-120 months.

All accounts at Flagstar are fully FDIC Insured. If any of these CD interest rates appeal to you, make sure to lock yours in today. Today’s highest CD rates could change tomorrow.

Here at Best CD Rates Info, we haven’t looked at the latest in Everbank CD rates in a while, so we thought we’d bring you an update. There are some compelling options in CD rates at Everbank Direct right now.

Probably the Everbank Direct CD rates that have been getting the most visibility in the news lately are their innovative MarketSafe certificates of deposit. These Everbank CD rates are tied to three precious metals: gold, silver, and platinum, and are a limited-input, 5-year term offering that will close on Thursday this week.

The return depends on the market price of the three metals, but you are guaranteed not to lose capital as part of the investment. Given the skyrocketing value of gold, silver, and platinum and their continued expectations to do so for the foreseeable future, these could end up being some of the highest CD rates available today, bar none.

Another unusual option in Everbank Direct CD rates are the CDARS offers, a network-based, large deposit certificate of deposit offering. The FDIC allows insurance coverage of up to $50 million on these unusual CDs and rates start at 0.24% annual percentage yield (APY) for 3 months, go up to 0.44% for 6 months, then 0.75% APY for a year, and 1.22% APY for 2 years. Not as high as other options, but great for high-deposit amounts.

Finally, standard Everbank CD rates start at 0.70% APY for 3 months, 0.95% APY for 6 months, 1.01% APY for 9 months, and 1.24% APY for a year. Very competitive. At 18 months they return 1.44% APY, at 2 years 1.75% APY, and a 2.5 years they give 1.85% APY. 2.00% APY is for 3 years, 2.43% APY for 4 years and finally 3.05% APY for five years. All extremely competitive.

Rates at Everbank are FDIC insured and Everbank Direct CD rates can change at any time.

It has been a little while since we here at Best CD Rates Info had a look at the latest in Discover Bank CD rates. So we thought we would check and see how Discover CD rates have changed. There are some good, competitive options available.

Currently, Discover’s best CD rates are on their five year term, which they’re promoting at 2.95% annual percentage yield (APY) with a $2,500 minimum deposit requirement. This is a good and competitive option, with the national average being a full percentage point lower.

Terms on standard Discover Bank CD rates start at 3 months with a 0.65% APY, then go to 6 or 9 months at 1.15% APY and then to 12 months at 1.50% APY. These are competitive for short-term savers.

At 18 months, the rate goes up to 1.60% APY and at 2 years it jumps to 1.90% APY. Those aren’t the best available, but they are competitive.

30 months gives 2.05% APY and 3 years gives 2.25% APY. Four years goes up to 2.45% APY and 7 years jumps to 3.25% APY while 10 years yields 3.50% APY.

Definitely the 5-year term at 2.95% APY is the current best offer in Discover Bank certificate of deposit rates. The 12 month rate is also good compared to most others which are closer to 1%.

Discover Bank is fully FDIC insured. Consult a financial adviser before making a decision and check current rates as they can change at any time. Some geographic areas may not have these rates available and all Discover Bank CD rates are subject to account opening, approval, and minimum balance requirements.

Here at Best CD Rates Info, we’ve found that the best CD rates at Comerica Bank are available on certificates with longer terms of maturity. A one year investment at the bank will return an APY of 0.40% for investments of up to $24,999 and an APY of 0.50% for investments greater than that amount.

CD rates at Comerica Bank for a two year investment will return an APY of 0.75% for an investment of up to $49,999 and an APY of 0.85% for investments greater than this amount. A three year investment at the bank will return an APY of 0.90% for an investment of up to $9,999, an APY of 1.00% for an investment from $10,000 to $24,999, and an APY of 1.20% for investments greater than that amount.

Comerica Bank CD rates for a CD investment of four years will return an APY of 1.00% for an investment of up to $24,999 and an APY of 1.25% for investments greater than this amount. A five year investment in the bank’s CD accounts will return an APY of 1.25% for an investment of up to $24,999 and an APY of 1.50% for investments greater than this amount.

Comerica CD rates for a six year investment return an APY of 1.50% for an investment of up to $9,999 and an APY of 1.80% for investments greater than that threshold amount. Highest CD rates are available on investments that mature in seven years with the largest duration of maturity being ten years. An APY of 1.50% is available for deposits of up to $9,999 and 1.85% for amounts greater than that threshold.