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BANKRATE.COM® MMA, Savings and CDs
Tuesday, August 19, 2008
| Type | MMA | 1-MO | 2-MO | 3-MO | 6-MO | 1-YR | 2-YR | 2.5-YR | 5-YR |
| NEW YORK | |||||||||
| Savings | 0.60 | 1.13 | 0.93 | 1.55 | 2.02 | 2.32 | 2.77 | 2.64 | 3.58 |
| Jumbos | 1.55 | 1.61 | 1.59 | 1.97 | 2.17 | 2.47 | 2.58 | 2.42 | 3.51 |
| CALIFORNIA | |||||||||
| Savings | 0.79 | 1.21 | 1.24 | 1.87 | 2.11 | 2.34 | 2.65 | 2.55 | 3.62 |
| Jumbos | 1.88 | 1.74 | 1.83 | 2.33 | 2.53 | 2.75 | 3.08 | 3.06 | 4.13 |
| PENNSYLVANIA | |||||||||
| Savings | 0.60 | 1.09 | 1.41 | 1.61 | 1.89 | 2.27 | 2.67 | 2.59 | 3.69 |
| Jumbos | 1.51 | 1.61 | 1.77 | 1.84 | 2.06 | 2.57 | 2.79 | 2.70 | 3.82 |
| ILLINOIS | |||||||||
| Savings | 0.80 | 1.27 | 1.27 | 1.58 | 1.88 | 2.28 | 2.66 | 2.61 | 3.64 |
| Jumbos | 1.46 | 1.78 | 1.83 | 1.94 | 2.30 | 2.65 | 3.05 | 3.05 | 3.91 |
| TEXAS | |||||||||
| Savings | 0.69 | 1.19 | 1.24 | 1.77 | 2.16 | 2.47 | 2.67 | 2.68 | 3.63 |
| Jumbos | 1.76 | 1.51 | 1.44 | 2.03 | 2.33 | 2.71 | 2.80 | 2.83 | 3.79 |
| FLORIDA | |||||||||
| Savings | 0.44 | 1.31 | 1.40 | 1.73 | 2.02 | 2.45 | 3.04 | 2.75 | 4.00 |
| Jumbos | 1.48 | 1.57 | 1.62 | 1.92 | 2.17 | 2.89 | 3.11 | 2.82 | 4.18 |
| National Average | |||||||||
| Savings | 0.74 | 1.22 | 1.28 | 1.75 | 2.05 | 2.44 | 2.77 | 2.70 | 3.66 |
| Jumbos | 1.67 | 1.63 | 1.68 | 2.05 | 2.30 | 2.73 | 2.97 | 2.89 | 3.86 |
| WEEKLY CHANGE | |||||||||
| Savings | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | 0.05 | -0.01 | 0.05 |
| Jumbos | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Explanation of Ratings: Safe & Sound® , (561) 627-7330 ext. 11410, evaluates the financial condition of federally insured institutions and assigns a rank of 1 - 5 (number in parentheses) based on 1st quarter 2008 data from federal regulators. Information is believed to be reliable, but not guaranteed. A rank of 5 indicates the most desirable performance. A "NR" rating indicates that an institution is too new to rate and is not an indication of financial strength or weakness. For more information on the Safe & Sound® ratings, please visit www.bankrate.com/starratings.
| Phone | Min $ to open | Ann % yld | |
| Money Market and Savings Account | |||
| Corus Bank (2 ) | (800) 989-5101 | $100 | 3.85 |
| Flagstar Bank (1 ) | (800) 642-0039 | $1 | 3.65 |
| Zions Bank (4 ) | (866) 761-8349 | $2,500 | 3.56 |
| Nationwide Bank (4 ) | (877) 422-6569 | $1,000 | 3.52 |
| EverBank (3 ) | (888) 882-3837 | $1,500 | 3.51 |
| 1-Month CD | |||
| Silvergate Bank (4) | (800) 595-5856 | $2,500 | 3.09 |
| VirtualBank (2) | (877) 998-2265 | $10,000 | 3.05 |
| UFBDirect.com (4) | (888) 580-0049 | $8,000 | 2.81 |
| Beal Bank Nevada (4) | (866) 375-3500 | $1,000 | 2.55 |
| Presidential Bank, FSB (3) | (800) 383-6266 | $1,000 | 2.50 |
| 2-Month CD | |||
| VirtualBank (2) | (877) 998-2265 | $10,000 | 3.05 |
| UFBDirect.com (4) | (888) 580-0049 | $8,000 | 2.81 |
| Beal Bank Nevada (4) | (866) 375-3500 | $1,000 | 2.55 |
| Presidential Bank, FSB (3) | (800) 383-6266 | $1,000 | 2.50 |
| UmbrellaBank.com (1) | (866) 242-0065 | $1,000 | 2.50 |
| 3-Month CD | |||
| Corus Bank (2) | (800) 989-5101 | $10,000 | 3.56 |
| Nexity Bank (2) | (877) 738-6391 | $1,000 | 3.47 |
| VirtualBank (2) | (877) 998-2265 | $10,000 | 3.46 |
| Imperial Capital Bank (1) | (866) 413-5626 | $2,000 | 3.40 |
| UmbrellaBank.com (1) | (866) 242-0065 | $1,000 | 3.25 |
| 6-Month CD | |||
| Corus Bank (2) | (800) 989-5101 | $10,000 | 4.05 |
| Imperial Capital Bank (1) | (866) 413-5626 | $2,000 | 4.00 |
| Nexity Bank (2) | (877) 738-6391 | $1,000 | 3.85 |
| VirtualBank (2) | (877) 998-2265 | $10,000 | 3.82 |
| GMAC Bank (4) | (866) 246-2265 | $500 | 3.76 |
| 1-Year CD | |||
| VirtualBank (2) | (877) 998-2265 | $10,000 | 4.34 |
| Corus Bank (2) | (800) 989-5101 | $10,000 | 4.28 |
| Nexity Bank (2) | (877) 738-6391 | $1,000 | 4.16 |
| GMAC Bank (4) | (866) 246-2265 | $500 | 4.15 |
| Zions Bank (4) | (866) 761-8349 | $1,000 | 4.14 |
| 2-Year CD | |||
| Wachovia Bank, NA (2) | (800) 922-4684 | $1,000 | 4.50 |
| Discover Bank (5) | (800) 347-7000 | $2,500 | 4.41 |
| Security Savings Bank (2) | (888) 703-5414 | $1,000 | 4.35 |
| UmbrellaBank.com (1) | (866) 242-0065 | $1,000 | 4.35 |
| VirtualBank (2) | (877) 998-2265 | $10,000 | 4.34 |
| 5-Year CD | |||
| Wachovia Bank, NA (2) | (800) 922-4684 | $1,000 | 5.35 |
| Discover Bank (5) | (800) 347-7000 | $2,500 | 5.23 |
| Third Federal Savings and Loan (4) | (888) 844-7333 | $500 | 5.00 |
| Security Savings Bank (2) | (888) 703-5414 | $1,000 | 5.00 |
| Salem Five/directbanking.com (4) | (888) 662-5500 | $10,000 | 5.00 |
| Phone | Min $ to open | Ann % yld | |
| Money Market and Savings Account | |||
| Corus Bank (2) | (800) 989-5101 | $100,000 | 3.85 |
| Flagstar Bank (1) | (800) 642-0039 | $100,000 | 3.65 |
| VirtualBank (2) | (877) 998-2265 | $100,000 | 3.56 |
| Nationwide Bank (4) | (877) 422-6569 | $100,000 | 3.52 |
| EverBank (3) | (888) 882-3837 | $100,000 | 3.51 |
| 1-Month CD | |||
| Silvergate Bank (4) | (800) 595-5856 | $100,000 | 3.04 |
| Beal Bank Nevada (4) | (866) 375-3500 | $100,000 | 2.55 |
| First Trade Union Bk (4) | (631) 300-0140 | $100,000 | 2.50 |
| UmbrellaBank.com (1) | (866) 242-0065 | $100,000 | 2.30 |
| Advanta Bank Corp. (4) | (800) 788-2632 | $100,000 | 2.25 |
| 2-Month CD | |||
| Beal Bank Nevada (4) | (866) 375-3500 | $100,000 | 2.55 |
| First Trade Union Bk (4) | (631) 300-0140 | $100,000 | 2.50 |
| UmbrellaBank.com (1) | (866) 242-0065 | $100,000 | 2.50 |
| Advanta Bank Corp. (4) | (800) 788-2632 | $100,000 | 2.30 |
| Alliance Bank (2) | (800) 432-9186 | $100,000 | 1.77 |
| 3-Month CD | |||
| Corus Bank (2) | (800) 989-5101 | $100,000 | 3.56 |
| Nexity Bank (2) | (877) 738-6391 | $100,000 | 3.47 |
| VirtualBank (2) | (877) 998-2265 | $100,000 | 3.46 |
| TriState Capital Direct (3) | (866) 680-8722 | $100,000 | 3.27 |
| Element Financial (2) | (877) 294-7946 | $100,000 | 3.26 |
| 6-Month CD | |||
| Corus Bank (2) | (800) 989-5101 | $100,000 | 4.05 |
| Nexity Bank (2) | (877) 738-6391 | $100,000 | 3.85 |
| VirtualBank (2) | (877) 998-2265 | $100,000 | 3.82 |
| giantbank.com (3) | (877) 446-4200 | $100,000 | 3.76 |
| Zions Bank (4) | (866) 761-8349 | $100,000 | 3.73 |
| 1-Year CD | |||
| VirtualBank (2) | (877) 998-2265 | $100,000 | 4.34 |
| Corus Bank (2) | (800) 989-5101 | $100,000 | 4.28 |
| Fireside Bank (3) | (800) 933-2323 | $100,000 | 4.23 |
| Nexity Bank (2) | (877) 738-6391 | $100,000 | 4.16 |
| giantbank.com (3) | (877) 446-4200 | $100,000 | 4.11 |
| 2-Year CD | |||
| Discover Bank (5) | (800) 347-7000 | $100,000 | 4.41 |
| Security Savings Bank (2) | (888) 703-5414 | $100,000 | 4.35 |
| UmbrellaBank.com (1) | (866) 242-0065 | $100,000 | 4.35 |
| VirtualBank (2) | (877) 998-2265 | $100,000 | 4.34 |
| Centennial Bk (4) | (800) 251-0705 | $100,000 | 4.28 |
| 5-Year CD | |||
| Discover Bank (5) | (800) 347-7000 | $100,000 | 5.23 |
| Third Federal Savings and Loan (4) | (888) 844-7333 | $100,000 | 5.00 |
| Security Savings Bank (2) | (888) 703-5414 | $100,000 | 5.00 |
| M&T Bank, NA (4) | (800) 528-6532 | $100,000 | 4.81 |
| Intervest Natl Bk (2) | (212) 218-8383 | $100,000 | 4.80 |
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