Top CD Rates

The top CD annal percentage yield (APY) this week (July 9) is at Pentagon Federal Credit Union for a 7-year certificate of deposit currently paying 3.51%.   From my survey of six months ago, this same certificate was paying 4.5%! 

The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.


"Highest CD Rate Survey + Current US Treasury Rates"

TermJuly 9, 2010	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Vanguard Daily	0.09%	Vanguard Prime Money Market Fund
Vanguard Tax Exempt	0.11%	Vanguard Tax Exempt Money Market Fund
FDIC Daily Savings	1.40%	Best Savings Account Rate Survey
6 Month CD	1.23%	Aurora Bank
1 Year CD	1.55%	Sallie Mae Bank & 1.50%@ Discover Bank
1 Yr US Treasury	0.29%	US Treasury Rate Quote
18 - Month CD	1.71%	Aurora Bank
2 Year CD	2.00%	Stonebridge Bank & Bank of Internet USA
3 Year CD	2.50%	newDominionDIRECT
4 Year CD	2.92%	Bank of Internet USA
5 Year CD	3.06%	Astoria Federal Savings Bank
5 Yr US Treasury	1.83%	US Treasury Rate Quote
7 Year CD	3.51%	Pentagon Federal CU aka PenFed
10 Year CD	3.50%	Discover Bank
10 Yr US Treasury	3.04%	US Treasury Rate Quote

Vanguard Money Market Rates shown for Reference  

With rates so low, banks will try to sell you their annuity products. Make sure you read my article: Beware of Annuities

Historical CD Rates: 
Click charts to see full size images

1-Month CD Daily Chart

6-Month CD Daily Chart

Related information:

• US Treasury Rates at a Glance
  
• World Stock Markets at a Glance