Please read carefully:

>DISCLAIMER: Rates are for informational purposes only and do not represent an endorsement or recommendation of any listed institution. Indicated rates are those published by the institution. Updates are made by FW members. However, as
rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Do your own research before you invest!

>Only FDIC Insured Banks in the USA as well as NCUA Insured Credit Unions with NO or MINIMAL restrictive membership requirements will be listed in the main rates section. Non federally insured Credit Unions will be listed in a separate
section.

>This thread should include primarily rates that are posted on the institution's website as these can be more easily monitored and updated. Exceptions should be noted.

>Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC RESTRICTIONS. Other minimal restrictions should be made with a notation(Want to post about CD's that are limited by geograhic or membership
restrictions? Post these deals here - The YMMV, Geographic/Membership Restricted CD Rate Thread (user updated)).

>Please post rates as "% APY".

>Please feel free to update rates as changes occur.

>Those wishing to discuss cds as a topic should post here - discussion Thread for CD Thread

>Interested in the best rates for checking accounts, money market accounts, and savings accounts? Please check here - Best Nationally Available High APY Liquid Accounts

>Where do you search for the best rates? Please post these in the resource section in the quick summary.
-------------------------------------------------------------------------------

Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher ( denotes high end of range)( $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting
MM/DD/YY - date of last rate check

------------------------------------------------------------------------------
Standard Terms

3 Month
D 12/03/08 $$ UFB Direct 3.45%
D 11/07/08 $ GMAC Bank 3.41%
D 11/19/08 $$$ E-LOAN 3.10%
S 10/07/08 $ Imperial Capital Bank 3.40%
D 10/24/08 $ Bank of America NEA 3.34%
S 10/07/08 $ State Bank of India 3.29%
U 10/07/08 $ Umbrella Bank 3.25%
D 10/16/08 $ EverBank 3.25%
S 10/07/08 $$$ La Jolla Bank 3.20%
D 11/12/08 $ Nexity Bank 3.17%
S 11/14/08 $$ Tennessee Commerce 3.00%
S 10/07/08 $$ Giant Bank 3.00%
S 10/07/08 $$$ Advanta Bank 3.00%
D 12/05/08 $ ebank 3.00%
S 10/07/08 $$$ Pacific Mercantile Bank 2.78%
D 11/14/08 $$ Discover Bank 2.68%
S 10/07/08 $$ Indymac 2.45%
D 11/15/08 $$$ Virtual Bank 2.43%
D 12/04/08 $$$ CountryWide 2.15%

6 Month
U 12/03/08 $ State Bank of India 4.32%
S 10/07/08 $ Imperial Capital Bank 4.10%
S 10/07/08 $ Nexity Bank 4.10%
S 11/07/08 $ GMAC Bank 4.00%
N 10/07/08 $$$ Patriot Bank 4.00%
S 10/07/08 $$$ Pacific Mercantile Bank 3.94%
D 11/18/08 $$$ Corus Bank 3.75%
S 11/16/08 $ FNBO 3.75%
S 10/07/08 $$$ La Jolla Bank 3.75%
D 11/19/08 $$$ E-LOAN 3.58%
U 10/07/08 $ Patelco Credit Union 3.58%
S 10/07/08 $$ Giant Bank 3.56%
S 10/07/08 $ EverBank 3.51%
D 11/14/08 $$ Tennessee Commerce 3.50%
S 10/07/08 $$ Indymac 3.50%
S 10/07/08 $ Doral Bank Direct 3.50%
S 10/07/08 $ Umbrella Bank 3.50%
D 11/14/08 $ Ascencia Bank 3.49%
S 10/07/08 $$ Element Financial 3.40%
S 10/07/08 $$$ Advanta Bank 3.40%
U 08/26/08 $ Bank of Internet USA 3.35%
D 08/26/08 $$ Intervest Bank 3.30%
D 11/15/08 $$$ Virtual Bank 3.30%
D 09/17/08 $ Centennial Bank 3.20%
U 08/26/08 $ E*Trade Bank 3.25%
D 08/07/08 $$$ Affinity Bank 3.25%
D 08/07/08 $$$ FirstFedDirect 3.25%
D 12/05/08 $ ebank 3.25%
D 05/15/08 $ Millennium Bank 3.21%
D 11/21/08 $ HSBC Direct 3.10%
S 12/03/08 $$ UFB Direct 3.01%
D 12/03/08 $ Citibank 3.00%
S 11/04/08 $$ KeyDirect 3.00% - rates vary by location
D 07/31/08 $ National Bank of Kansas City 3.00%
D 07/14/08 $ First Trade Union Bank 3.00%
D 11/14/08 $$ Discover Bank 2.98%
D 08/26/08 $$$$ Sterns Bank 2.97%
D 08/26/08 $ State Farm Bank 2.75%
D 08/26/08 $ Bank of Canton 2.75%
S 08/26/08 $ Presidential Bank 2.75%
N 05/04/08 $ Pentagon Federal Credit Union 2.75%
D 12/05/08 $ ING Direct 2.75%
D 12/05/08 $ iGObanking.com 2.75%
D 12/04/08 $$$ CountryWide 2.65%
D 07/27/08 $$$ American Bank 2.60%
D 11/06/08 $ AmTrust Direct 2.50%
D 08/26/08 $ EmigrantDirect 2.50%- Must have American Dream Savings Account
D 08/22/08 $ Lehman Brothers Bank 2.07%
S 12/01/08 $ WaMu 2.00% online only
D 10/03/08 $ Transportation Alliance Bank 2.00%

9 Month
S 10/07/08 $ Imperial Capital Bank 4.15%
D 12/05/08 $ iGObanking.com 3.90%
D 11/19/08 $$$ E-LOAN 3.70%
N 10/07/08 $$$ Patriot Bank 4.00%
S 10/07/08 $ Nexity Bank 3.92%
D 11/07/08 $ GMAC Bank 3.80%
S 10/07/08 $ Umbrella Bank 3.80%
S 11/16/08 $ FNBO 3.75%
S 10/07/08 $$ Indymac 3.75%
U 11/04/08 $$ KeyDirect 3.75% - rates & availability VARY by location
D 10/07/08 $$ Giant Bank 3.65%
U 08/23/08 $$$$ Advanta Bank 3.62%
S 10/07/08 $ HSBC Direct 3.60%
U 10/07/08 $ Patelco Credit Union 3.58%
U 10/07/08 $ EverBank 3.51%
S 10/07/08 $ Doral Bank Direct 3.50%
S 10/07/08 $$ Element Financial 3.40%
D 11/14/08 $$ Discover Bank 3.36%
D 08/26/08 $ Centennial Bank 3.30%
D 11/15/08 $$$ Virtual Bank 3.30%
D 12/05/08 $ ebank 3.30%
U 07/01/08 $$$ FirstFedDirect 3.25%
S 10/07/08 $ Citibank 3.25%
U 12/04/08 $$$ CountryWide 3.20%
D 07/12/08 $ One United 3.00%
D 12/05/08 $ ING Direct 3.00%
U 07/31/08 $$$ National Bank of Kansas City 3.00%
D 08/19/08 $$ Bank United 2.75%
D 11/06/08 $ AmTrust Direct 1.50%

1 Year
S 10/07/08 $ Patelco Credit Union 7.00% NEW MEMBER ONLY - min. $1000 - max. $1000
U 12/03/08 $ State Bank of India 4.68%
N 11/12/08 $ Delta Community Credit Union 4.50%
S 11/18/08 $$$ E-LOAN 4.36% Must use promocode "times25" to get 4.36%APY rate plus $25 sign up bonus (if used prior to 12/18/08)
D 11/05/08 $ Flagstar Bank 4.25% (Selectable 12-14 term)
U 10/07/08 $$$ La Jolla Bank 4.25%
D 11/14/08 $ GMAC Bank 4.25%
S 10/07/08 $ Imperial Capital Bank 4.25%
U 10/07/08 $$$ Advanta Bank 4.25%
D 11/14/08 $$ Tennessee Commerce 4.20%
N 10/12/08 $$$ Centennial Bank (Ca.) 4.18%
D 10/07/08 $ Nexity Bank 4.11%
D 11/14/08 $$$ Pacific Mercantile Bank 4.11%
S 10/07/08 $ Umbrella Bank 4.10%
U 10/07/08 $ EverBank 4.05%
D 11/18/08 $$$ Corus Bank 4.00%
S 11/16/08 $ FNBO 4.00%
D 11/14/08 $$ Discover Bank 4.00%
N 10/07/08 $$$ Patriot Bank 4.00%
U 08/26/08 $$ Capital One Direct Banking 4.00%
U 07/27/08 $ Transportation Alliance Bank 3.95%
D 10/07/08 $$ Indymac 3.95%
D 10/07/08 $$ Giant Bank 3.91%
S 07/05/08 $$$$ Alliant Credit Union 3.90%
U 08/26/08 $ Bank of Internet USA 3.82%
D 11/03/08 $$ Bank United 3.80%
U 10/07/08 $ Patelco Credit Union 3.76%
S 10/07/08 $ Citibank 3.75%
S 07/05/08 $ Alliant Credit Union 3.75%
S 10/07/08 $$ Element Financial 3.75%
D 12/05/08 $ ING Direct 3.75%
D 12/05/08 $ iGObanking.com 3.75%
S 10/07/08 $ HSBC Direct 3.70%
U 08/26/08 $ National Bank of Kansas City 3.66%
D 11/14/08 $ Ascencia Bank 3.65%
D 12/02/08 $$ Wachovia 3.60% APY - rates vary by location
S 07/12/08 $$ California First National Bank 3.51%
D 03/10/08 $$ Intervest Bank 3.50%
S 10/07/08 $ Doral Bank Direct 3.50%
D 12/05/08 $ ebank 3.50%
D 08/26/08 $ E*Trade Bank 3.45%
D 03/10/08 $$$$ Lehman Brothers Bank 3.3549%
D 08/26/08 $$$ FirstFedDirect 3.40%
D 07/12/08 $ Centennial Bank 3.35%
S 03/11/08 $ Presidential Bank 3.25%
D 08/26/08 $ Bank of Canton 3.25%
U 08/26/08 $$$$ Sterns Bank 3.20%
S 08/26/08 $ Millennium Bank 3.10%
U 08/24/08 $ State Farm Bank 3.05%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.04%
S 12/03/08 $$ UFB Direct 3.01%
S 11/04/08 $$ KeyDirect 3.00% - rates & availability VARY by location
D 03/10/08 $$$ Affinity Bank 3.00%
S 08/26/08 $ Pentagon Federal Credit Union 2.99%
S 08/26/08 $$$ American Bank 2.95%
D 12/04/08 $$$ CountryWide 2.85%
D 12/01/08 $ WaMu 2.75% - online
D 11/06/08 $ AmTrust Direct 2.75%

18 Month (1.5 Year)
U 10/07/08 $$$ Advanta Bank 4.50%
S 10/07/08 $$$ E-LOAN 4.45%
S 11/07/08 $ GMAC Bank 4.40%
U 10/07/08 $ Umbrella Bank 4.35%
D 10/07/08 $$$ Pacific Mercantile Bank 4.30%
S 10/07/08 $ Imperial Capital Bank 4.25%
U 07/25/08 $$$ National City Bank 4.25%
N 07/04/08 $ OnBank 4.20%
D 11/14/08 $$ Discover Bank 4.16%
D 12/01/08 $$ Capital One Direct Banking Costco 4.15%
D 11/14/08 $$ Tennessee Commerce 4.15%
D 12/01/08 $$ Capital One Direct Banking 4.10%
U 10/07/08 $ EverBank 4.01%
N 08/01/08 $ Provident Bank 4.00%
S 11/16/08 $ FNBO 4.00%
S 10/07/08 $ Doral Bank Direct 4.00%%
D 11/15/08 $$$ Virtual Bank 3.92%%
D 07/05/08 $$$$ Alliant Credit Union 3.90%
S 10/07/08 $ HSBC Direct 3.85%
U 10/07/08 $ Patelco Credit Union 3.76%
D 07/05/08 $ Alliant Credit Union 3.75%
D 03/12/08 $ Millennium Bank 3.75%
D 11/04/08 $$ KeyDirect 3.75% - rates & availability VARY by location
D 12/05/08 $ ING Direct 3.75%
D 12/05/08 $ iGObanking.com 3.75%
U 03/12/08 $$ National Bank of Kansas City 3.66%
D 03/12/08 $$ Intervest Bank 3.53%
S 03/12/08 $ Centennial Bank 3.51%
S 03/12/08 $ One United 3.50%
N 06/01/08 $$ NASA FCU 3.50%
D 03/12/08 $$$$ Lehman Brothers Bank 3.4066%
D 10/07/08 $$ Element Financial 3.40%
D 12/05/08 $ ebank 3.40%
D 10/07/08 $$ Indymac 3.15%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.14%
S 12/01/08 $ WaMu 3.00% online only
D 03/12/08 $$$ Affinity Bank 3.0%
D 07/27/08 $$$ American Bank 3.00%
D 03/12/08 $ Bank of Internet USA 2.70%
D 12/04/08 $$$ CountryWide 2.50%
S 03/12/08 $ E*Trade Bank 2.47%
D 11/06/08 $ AmTrust Direct 1.50%

2 Year (24 Month)
U 07/25/08 $$$ National City Bank 4.75%
S 10/07/08 $$$ E-LOAN 4.51%
S 11/07/08 $ GMAC Bank 4.50%
D 11/14/08 $$ Discover Bank 4.44%
N 10/12/08 $$$ Centennial Bank (Ca.) 4.44%
D 10/07/08 $$ State Bank of India 4.42%
U 10/07/08 $$$ Advanta Bank 4.40%
S 10/07/08 $ Imperial Capital Bank 4.35%
S 10/07/08 $ Umbrella Bank 4.35%
N 07/04/08 $ OnBank 4.30%
D 10/07/08 $$$ Pacific Mercantile Bank 4.30%
U 10/07/08 $$$ La Jolla Bank 4.30%
S 11/16/08 $ FNBO 4.26%
U 07/27/08 $ Transportation Alliance Bank 4.25%
U 08/24/08 $ State Farm Bank 4.15%
D 11/14/08 $$ Tennessee Commerce 4.15%
S 08/26/08 $$ Capital One Direct Banking 4.15%
D 11/04/08 $$$ Virtual Bank 4.08%
U 10/07/08 $$ Indymac 4.00%
D 10/07/08 $$ Giant Bank 4.00%
D 03/11/08 $ Millennium Bank 4.00%
U 06/24/08 $ Umbrella Bank 4.00%
S 11/04/08 $$ KeyDirect 4.00% - rates & availability VARY by location
S 07/05/08 $$$$ Alliant Credit Union 3.90%
D 03/12/08 $$$$ USA Federal Credit Union 3.87%
U 07/05/08 $ Alliant Credit Union 3.75%
D 11/14/08 $ Ascencia Bank 3.75%
D 12/05/08 $ iGObanking.com 3.75%
D 10/07/08 $ Nexity Bank 3.70%
U 03/12/08 $$$ National Bank of Kansas City 3.71%
U 10/07/08 $ EverBank 3.61%
S 10/07/08 $ HSBC Direct 3.55%
D 03/12/08 $$ Intervest Bank 3.54%
U 04/18/08 $$ California First National Bank 3.51%
D 12/01/08 $ WaMu 3.51% online only
U 10/07/08 $ Patelco Credit Union 3.51%
S 03/12/08 $ One United 3.50%
U 10/07/08 $$ Element Financial 3.50%
D 12/05/08 $ ING Direct 3.50%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.26%
D 03/12/08 $$$$ Lehman Brothers Bank 3.458%
D 03/12/08 $$$ Affinity Bank 3.45%
S 10/07/08 $ ebank 3.40%
D 03/12/08 $ Bank of Canton 3.40%
S 07/27/08 $$$ American Bank 3.40% - 1 Rate Bump Up
N 05/01/08 $ Pentagon Federal Credit Union 3.25%
S 03/12/08 $ Choice Bank 3.25%
S 10/07/08 $ Doral Bank Direct 3.25%
D 03/12/08 $ Presidential Bank 3.25%
S 10/07/08 $ Citibank 3.25%
S 03/12/08 $ Bank of Internet USA 3.20%
S 03/12/08 $$ UFB Direct 2.75%
S 03/12/08 $ Centennial Bank 2.70%
S 03/12/08 $ E*Trade Bank 2.47%
D 12/04/08 $$$ CountryWide 2.25%
D 11/06/08 $ AmTrust Direct 1.50%

30 Month (2.5 Year)
U 07/25/08 $$$ National City Bank 4.75%
U 10/07/08 $$$ Advanta Bank 4.45%
D 11/14/08 $$ Discover Bank 4.40%
S 10/07/08 $ Umbrella Bank 4.30%
S 11/04/08 $$ KeyDirect 4.25% - rates & availability VARY by location
S 08/26/08 $$ Capital One Direct Banking 4.15%
U 10/07/08 $ EverBank 3.78%
D 11/14/08 $ Ascencia Bank 3.75%
D 02/04/08 $ National Bank of Kansas City 3.60%
D 02/14/08 $$ Intervest Bank 3.69%
S 10/07/08 $ HSBC Direct 3.55%
U 10/07/08 $ Patelco Credit Union 3.51%
D 10/07/08 $$ Element Financial 3.50%
D 02/04/08 $$$ Affinity Bank 3.50%
D 12/05/08 $ ING Direct 3.50%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.45%
S 10/07/08 $ ebank 3.40%
U 02/29/08 $ Bank of Internet USA 3.20%
S 02/04/08 $ E*Trade Bank 2.47%
D 12/04/08 $$$ CountryWide 2.25%
D 11/06/08 $ AmTrust Direct 1.50%

3 Year (36 Month)
D 12/01/08 $ Pentagon Federal Credit Union 4.75%
U 07/25/08 $$$ National City Bank 4.75%
S 10/07/08 $$$ E-LOAN 4.71%
N 07/04/08 $ OnBank 4.70%
D 11/14/08 $$ Discover Bank 4.60%
D 10/07/08 $$ State Bank of India 4.58%
U 10/07/08 $$$ Advanta Bank 4.55%
S 11/07/08 $ GMAC Bank 4.55%
N 10/12/08 $$$ Centennial Bank (Ca.) 4.54%
U 11/04/08 $$ KeyDirect 4.50% - rates & availability VARY by location
U 10/07/08 $$$ La Jolla Bank 4.45%
U 07/27/08 $ Transportation Alliance Bank 4.45%
S 10/07/08 $ Imperial Capital Bank 4.35%
S 10/07/08 $ Umbrella Bank 4.30%
D 10/07/08 $$$ Pacific Mercantile Bank 4.30%
D 11/04/08 $$$ Virtual Bank 4.29%
U 08/24/08 $ State Farm Bank 4.20%
D 11/14/08 $$ Tennessee Commerce 4.15%
D 08/26/08 $$ Capital One Direct Banking 4.15%
D 02/07/08 $$$$ USA Federal Credit Union 4.03%
S 10/07/08 $ WaMu 4.00% online only
D 10/07/08 $$ Giant Bank 4.00%
S 10/07/08 $ HSBC Direct 4.00%
D 02/08/08 $ Millennium Bank 4.00%
U 10/07/08 $ EverBank 3.96%
N 07/14/08 $$ Indymac 3.95%
D 02/07/08 $ National Bank of Kansas City 3.85%
D 11/14/08 $ Ascencia Bank 3.75%
D 12/05/08 $ iGObanking.com 3.75%
D 02/08/08 $$$$ Lehman Brothers Bank 3.7172%
D 02/14/08 $$ Intervest Bank 3.71%
U 07/27/08 $$$ American Bank 3.65% - Rate Bump Up
U 10/07/08 $ Patelco Credit Union 3.61%
U 04/18/08 $$ California First National Bank 3.60%
D 10/07/08 $$ Element Financial 3.60%
U 02/29/08 $ Bank of Internet USA 3.55%
D 02/07/08 $$$ Affinity Bank 3.50%
S 10/07/08 $ Citibank 3.50%
N 03/05/08 $ One United 3.50%
S 10/07/08 $ Doral Bank Direct 3.50%
D 12/05/08 $ ING Direct 3.50%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.45%
D 03/12/08 $ Bank of Canton 3.40%
S 10/07/08 $ ebank 3.40%
D 02/07/08 $ Choice Bank 3.25%
D 02/07/08 $ Allied First Bank 3.00%
D 02/07/08 $$ UFB Direct 3.00%
D 12/04/08 $$$ CountryWide 2.70%
D 02/07/08 $ Centennial Bank 2.70%
S 02/07/08 $ E*Trade Bank 2.47%
D 11/06/08 $ AmTrust Direct 1.50%

4 Year (48 Month)
U 08/12/08 $$$ National City Bank 5.25%
S 10/07/08 $$$ E-LOAN 4.91%
N 07/04/08 $ OnBank 4.90%
D 11/14/08 $$ Discover Bank 4.76%
D 12/01/08 $ Pentagon Federal Credit Union 4.75%
U 07/27/08 $ Transportation Alliance Bank 4.75%
S 11/7/08 $ GMAC Bank 4.75%
U 10/07/08 $$$ Advanta Bank 4.75%
N 10/12/08 $$$ Centennial Bank (Ca.) 4.65%
S 02/08/08 $ Millennium Bank 4.50%
D 08/26/08 $$ Capital One Direct Banking 4.50%
D 11/04/08 $$ KeyDirect 4.50% - rates & availability VARY by location
D 11/04/08 $$$ Virtual Bank 4.29%
U 10/07/08 $ Patelco Credit Union 4.28%
S 10/07/08 $ HSBC Direct 4.25%
U 08/24/08 $ State Farm Bank 4.25%
D 11/14/08 $$ Tennessee Commerce 4.25%
U 10/07/08 $ EverBank 4.16%
S 10/07/08 $ WaMu 4.15% online only
D 02/07/08 $$$$ USA Federal Credit Union 4.07%
D 02/08/08 $$$$ Lehman Brothers Bank 3.9249%
D 02/07/08 $ National Bank of Kansas City 3.85%
S 10/07/08 $ Citibank 3.80%
U 02/29/08 $ Bank of Internet USA 3.80%
D 02/14/08 $$ Intervest Bank 3.75%
D 07/27/08 $$$ American Bank 3.75% - 2 Rate Bump Ups
D 10/07/08 $$ Element Financial 3.70%
D 12/05/08 $ iGObanking.com 3.65%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.56%
U 10/07/08 $ Umbrella Bank 3.50%
S 10/07/08 $ Doral Bank Direct 3.50%
D 12/05/08 $ ING Direct 3.50%
D 05/14/08 $ Patelco Credit Union 3.45%
S 10/07/08 $ ebank 3.40%
D 02/07/08 $ Choice Bank 3.25%
D 02/07/08 $ Allied First Bank 3.15%
D 12/04/08 $$$ CountryWide 3.00%
D 02/07/08 $ Centennial Bank 2.80%
S 02/07/08 $ E*Trade Bank 2.47%

5 Year (60 Month)
U 11/14/08 $$ State Bank of India 5.25%
S 11/14/08 $$ Discover Bank 5.21%
U 11/14/08 $$ Capital One Direct Banking 5.20%
S 11/07/08 $ GMAC Bank 5.15%
S 11/04/08 $$ KeyDirect 5.00% - rates & availability VARY by location
D 11/14/08 $$$ E-LOAN 5.0%
D 11/14/08 $$$ Advanta Bank 5.0%
U 10/07/08 $$$ La Jolla Bank 4.90%
D 11/14/08 $ OnBank 4.90%
D 12/01/08 $ Pentagon Federal Credit Union 4.75%
N 10/12/08 $$$ Centennial Bank (Ca.) 4.85%
S 10/07/08 $ WaMu 4.50% online only
U 10/07/08 $ Imperial Capital Bank 4.50%
U 10/07/08 $ ebank 4.50%
D 11/14/08 $$ Tennessee Commerce 4.40%
U 10/07/08 $ Patelco Credit Union 4.39%
U 08/24/08 $ State Farm Bank 4.35%
U 10/07/08 $ EverBank 4.31%
D 10/07/08 $$$ Pacific Mercantile Bank 4.30%
D 11/04/08 $$$ Virtual Bank 4.29%
U 06/05/08 $$$ National Bank of Kansas City 4.00%
S 10/07/08 $ Citibank 4.00%
D 10/07/08 $$ Giant Bank 4.00%
S 10/07/08 $$ Element Financial 3.90%
D 02/14/08 $$ Intervest Bank 3.85%
D 11/14/08 $ Ascencia Bank 3.75%
D 12/05/08 $ iGObanking.com 3.75%
D 05/14/08 $ Patelco Credit Union 3.71%
U 10/07/08 $ Umbrella Bank 3.50%
N 02/07/08 $$ Mutual Bank 3.50%
S 10/07/08 $ Doral Bank Direct 3.50%
D 02/07/08 $$$ Affinity Bank 3.50%
D 12/05/08 $ ING Direct 3.50%
D 02/07/08 $$ UFB Direct 3.40%
D 12/04/08 $$$ CountryWide 3.25%
D 02/07/08 $ Presidential Bank 3.35%
D 07/12/08 $ Allied First Bank 3.25%
D 02/07/08 $ Choice Bank 3.25%
D 11/14/08 $ Transportation Alliance Bank 3.00%
S 02/09/08 $ AmTrust Direct 2.99%
D 02/07/08 $ Centennial Bank 2.90%
S 02/07/08 $ E*Trade Bank 2.71%
D 11/06/08 $ AmTrust Direct 1.50%

Odd Terms

1-5 Month
D 11/04/08 $$$ 1 Month Virtual Bank 2.79%
S 10/07/08 $ 1 Month Umbrella Bank 2.30%
D 11/04/08 $$$ 2 Month Virtual Bank 2.84%
S 10/07/08 $ 2 Month Umbrella Bank 2.50%
N 10/07/08 $$$ 4 Month Patriot Bank 4.00%
N 10/07/08 $ 4 Month Hudson City Savings Bank 4.00%
S 10/07/08 $$$ 4 Month La Jolla Bank 3.20%
S 12/01/08 $ 5 Month Century Bank Direct 4.01%
N 10/07/08 $$$ 5 Month Patriot Bank 4.00%
N 10/07/08 $$ 5 Month First Republic 3.50%
S 10/07/08 $$$ 5 Month La Jolla Bank 3.20%

7-11 Month
N 10/07/08 $$$ 7 Month Patriot Bank 4.00%
S 10/07/08 $$ 7 Month IndyMac 3.80%
D 08/11/08 $$ 7 Month Bank of America 3.20%
S 11/04/08 $$ 7 Month KeyDirect 3.00% - rates & availability VARY by location
D 12/02/08 $$ 7 Month Wachovia 2.60%
N 10/07/08 $$ 8 Month First Republic 4.00%
N 10/07/08 $$$ 8 Month Patriot Bank 4.00%
N 10/02/08 $$$ 8 Month Chevy Chase Bank 4.00%
D 10/07/08 $ 8 Month WaMu 3.00% online only
D 12/05/08 $ 8 Month iGObanking.com 3.00%
U 12/04/08 $ 10 Month Century Bank Direct 4.27%
N 10/07/08 $$$ 10 Month Patriot Bank 4.00%
D 12/04/08 $$$ 10 Month La Jolla Bank 3.70%
N 09/01/08 $$ 11 Month NASA Federal Credit Union 4.25%
N 10/07/08 $$$ 11 Month Patriot Bank 4.00%

13-15 Month
N 10/07/08 $$ 13 Month First Republic 4.25%
S 10/07/08 $$ 13 Month Indymac 3.80%
D 08/05/08 $ 13 Month First Trade Union Bank 3.30%
D 10/07/08 $ 13 Month WaMu 3.00% online only
D 12/05/08 $ 13 Month iGObanking.com 3.25%
S 10/07/08 $ 14 Month ebank 4.30%
U 12/01/08 $ 15 Month Century Bank Direct 4.36%
D 12/05/08 $ 15 Month iGObanking.com 4.05%
N 10/02/08 $$$ 15 Month Chevy Chase Bank 4.25%
N 09/05/08 $$$ 15 month Navy FCU 4.00%

Other
U 12/01/08 $ 20 Month Century Bank Direct 4.45%
D 11/04/08 $$ 23 Month Key Bank Direct 4.25%
N 07/02/08 $ 25 Month US Bank 4.00%
N 11/04/08 $$ 29 Month Key Bank Direct 5.00%
U 10/07/08 $$$ 42 Month Advanta Bank 4.60%
N 07/02/08 $ 45 Month US Bank 4.75%
N 06/01/08 $$$$ 55- Month NASA FCU 5.0%
N 07/02/08 $ 59 Month US Bank 5.0%
S 11/19/08 $$$ 6 Year E-LOAN 5.15%
S 11/04/08 $$ 6 Year KeyDirect 5.00% - rates & availability VARY by location
U 08/26/08 $$ 7 Year Capital One Direct Banking 5.40%
S 11/04/08 $$ 7 Year KeyDirect 5.00% - rates & availability VARY by location
U 10/08/08 $ 7 Year Pentagon Federal Credit Union 5.0%
U 12/04/08 $$$ 7 Year CountryWide 3.25%
S 11/04/08 $$ 10 Year KeyDirect 5.50% - rates & availability VARY by location
U 08/26/08 $$ 10 Year Capital One Direct Banking 5.404%

Resources to search for the best rates:
BankAround.com
Money-rates.com (short term CD Rates)
Money-rates.com CD Rates (long term CD Rates)
BanxCorp - http://www.banxquote.com
bankdeals.blogspot.com
Bankrate.com
BestCashCow.com
eMoneyCentral
credituniondeals.com
rateAPY.com
bankCD.com
GOtalkmoney.com
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