The banking division is probably trying to build their cash reserves which is why its offering some of the highest cd rates available. Certificate of deposit accounts and all deposit accounts are insured by the FDIC.

The bank’s current six months certificate of deposit rate is 1.44 percent with an annual percentage yield of 1.45 percent, a rate that is one of the top cd rates around. The rate is also a lot higher than the national average 6 months CD Rate of 0.82 percent.

12 months certificate of deposits are currently earning a CD rate of 1.88 percent and an annual percentage yield of 1.90 percent. Average CD rates for a 12 month CD is at 1.104 percent as of today. Ally Bank is also offering a rate of 1.88 percent.

Other AIG Bank certificate of deposit rates include their 18 month CD with a rate of 1.93 percent and an APY of 1.95 percent. The 24 months certificate is earning a rate of 2.18 percent with an APY of 2.20 percent. The 36 months certificate of deposit rate is 2.47 percent and the APY is 2.50 percent. Five year CDs earn a rate of 3.00 percent and an APY of 2.05 percent.

AIG Bank Certificate of Deposit Rates

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The certificate of deposit $25 promotional bonus offer is valid until December 15, 2009. There is a limit of one offer per customer. Be sure to use offer code D120336 to receive the promo bonus.

The money you open the CD account with also must remain in the CD for at least 90 days to receive the bonus. Of course you will not want to incur any early withdrawal penalties even if you pass the 90 day grace period for the bonus.

The bank also offers very competitive 12 month CD rates and CD yields . The current 12 month certificate of deposit rate is 1.88 percent and the annual percentage yield (APY) is 1.90 percent. The bank also offers a 24 month certificate of deposit rate of 2.23 percent and an APY of 2.25 percent.

Discover Bank $25 Promotional Bonus offer

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If you’re looking for a longer term certificate of deposit newdominionDIRECT.com is also offering a three year certificate of deposit yield of 2.71 percent, one of the best CD rates around and higher then most five year certificate of deposit rates at banks.

The minimum opening deposit for all certificate of deposit accounts at newdominionDIRECT.com is $3,000. Interestis compounded daily which will give you a higher APY than a certificate of deposit that has interest compouned monthly.

All deposit accounts at newdominionDIRECT.com are insured by the Federal Deposit Insurance Corporation for up to $250,000. The bank’s FDIC Cert number is 57888.

newdominionDIRECT.com Certificate of Deposit Information here: CD Information

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ING Direct is offering a 12 month CD yield of 2.10 percent. Other national banks are offer similar competitive certificate of deposit yields. Here are some of the highest CD rates available today.

Another 12 month CD yield that is just above 2.00 percent is the Bank of Internet’s CD which currently has an annual percentage yield of 2.02 percent. Bank of Internet offers some of the best CD rates and yields available.

Ally Bank, formerly GMAC Bank, is offering an annual percentage yield of 2.00 percent for a one year certificate of deposit. Five other banks offering 2.00 percent APY for a one year CD, including First Central Savings Bank, Broadway National Bank, American Community Bank, Eastbank and Discover Bank.

AIG’s one year Bank CD rate is just under 2.00 percent, the APY is 1.91 percent. Nationwide Bank is next on the list with a 1.90 APY. Giantbank.com is offering a one year CD yield of 1.86 percent and HSBC Bank’s one year interest rate is 1.85 percent.

CD rates are expected to increase in the coming year as the economy recovers and the recession is over. The Federal Reserve Bank will be prepared to raise interest rates when the treat of inflation returns. That being said, we recommend you stick to shorter term certificate of deposits so you’re in a position to take advantage of rising CD rates.

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• MetLife Bank CD Rates – 12 Month CD Rate at 2.25%

To earn the 2.25% APY you must deposit a minimum of $25,000 in one transaction. The CD deposit must be new money only, money not currently held at MetLife Bank.

You can deposit less than $25,000 into a MetLife Bank Certificate of deposit and still earn a great yield. The minimum opening deposit is $2,000 and CD account balances of $2,000 and $14,999 earn an APY of 1.25 percent. Certificate of deposit account balances between $15,000 and $24,999 earn an APY of 1.75 percent.

MetLife Bank certificate of deposits are FDIC insured up to $250,000 per ownership category, effective through December 31, 2013. Starting Janurary 1, 2010 FDIC insurance will return to up to $100,000 per depositor for all account categories except Traditional and Roth IRAs (and other certain retirement accounts), which will remain at $250,000 per depositor.

You have to mention offer code SALLY10 to receive their advertised APY. You can sign up on online her MetLife Bank SAlly10 Certificate of Deposit Offer or call MetLife Bank at 1-800-607-0328.

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The bank has deposit products including bank CD rates, savings accounts, checking accounts. The bank is also offering credit cards and home loans, in fact, their mortgage rates seem very competitive.

The best CD rate deal H&R Block Bank is offering is for their 180 day certificate of deposit. The current annual percentage yield (APR) on their 6 month CD is a whopping 2.00 percent. Which wins our *CD Rates Best* award.  That CD rate is well above the  national average rate for a 6 month CD which is currently at 0.88 percent.

Most 12 month certificate of deposit yields are around 2.00 percent so this is a very good deal you should take advantage of before it ends. In fact, the promotional CD rate was supposed to end on September 30, 2009 but H&R Block Bank hasn’t pulled the deal yet.

Another good thing about this CD deal is the term is only 6 months so you won’t be locked into a long term CD when rates are rising which they are expected to do in the coming year. The minimum opening deposit for certificate of deposit deal is $10,000.

H&R Block Bank 6 month promotional CD rate deal

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Current promotion CD rates include a 12 month certificate of deposit that has a current rate of 1.19 percent and an annual percentage yield ( APY) of 1.20 percent.

The individual retirement account (IRA) 12 month CD rate is even higher, the current rate is 1.83 percent with an APY of 1.85 percent. The minimum certificate of deposit opening deposit is $5,000 for a regular CD and $2,000 or an IRA CD.

Bank of America is also offering their 9 month ”Risk Free” certificate of deposit for both regular CDs and IRA CDs. The current rate on the regular 9 month risk free CD is .65 percent with an APY of .65 percent. The 9 month risk free IRA CD currently has a rate and APY of .75 percent.

The bank is also offering an 18 month “Opt-Up” certificate of deposit that currently has a CD rate of 1.49 percent and a CD yield of 1.50 percent. An Opt-Up certificate of deposit allows you to increase the rate and yield if interest rates go up during the time your funds are locked in a certificate of deposit.

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The certificate of deposit rate and yield are for CD deposits in the amounts between $2,500 and $99,000. Tennessee Commerce Bank has been insured by the Federal Deposit Insurance Corporation (FDIC) since January 14, 2000. The bank’s FDIC Cert number is 35296.

Right now the bank is also offering CD rates for the following certificate of deposit terms.

• 3-months CD rate of .65 percent
• 6-months CD rate of 1.09 percent
• 18-months CD rate of 1.98 percent
• 24-months CD rate of 2.47 percent
• 36-months CD rate of 2.52 percent
• 48-months CD rate of 2.67 percent
• 60-months CD rate of 2.77 percent

These certificate of deposit rates are as of August 15, 2009.

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