For shorter terms, AloStar Bank offers 6 and 12 month CDs with APYs of 1.12% and 1.40%, respectively.
The one year US Treasury rate (quote) is currently 0.16%.
With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities
The table below shows the best CD rates for other terms.
For Larger Text: If that table is hard to read, then try Very Best CD Rates.
"Highest CD Rates Survey for 7/12/11"
Vanguard Money Market & US Treasury Rates shown for Reference| Term | Highest Rate (APY) | Where? (Click link for Full Rate Sheets) |
| Vanguard Daily | 0.05% | Vanguard Prime Money Market Fund |
| FDIC Daily Savings | 1.15% | Best Savings Account Rate Survey |
| 6 Month CD | 1.12% | AloStar Bank merging into Nexity Bank |
| 1 Year CD | 1.40% | AloStar Bank merging into Nexity Bank |
| 1 Yr US Treasury | 0.16% | US Treasury Rate Quote |
| 18 - Month CD | 1.33% | Aurora Bank |
| 2 Year CD | 1.56% | Melrose CU & 1.50% @ Bank of Internet |
| 3 Year CD | 2.00% | Security Service CU |
| 4 Year CD | 2.42% | Melrose CU & 2.11% @ Bank of Internet |
| 5 Year CD | 2.85% | Security Service CU & 2.54% @ EverBank |
| 5 Yr US Treasury | 1.47% | US Treasury Rate Quote |
| 7 Year CD | 3.30% | Security Service CU & 2.75% PenFed CU |
| 10 Year CD | 3.50% | iGoBanking & 3.00% @ Discover Bank |
| 10 Yr US Treasury | 2.91% | US Treasury Rate Quote |
| 30 Yr US Treasury | 4.19% | US Treasury Rate Quote |
Related Information:
- Historical CD Rate Graphs
- Historical Mortgage Rates
- World Stock Markets at a Glance
- Easy to Read Best CD Rate Survey
- Quotes: US Treasury Rate Quotes
- Graphs: US Treasury Rates at a Glance
