A Certificate of Deposit pays you guaranteed interest rate for the term you deposit your funds. The term can vary from few months to years. Below explained are the different types of CDs as offered by Wachovia Bank:

Featured CD:
With an opening deposit of $5,000 you get to earn:

7 Month CD earns 3.92% interest, 4.00% APY
9 Month CD earns 4.07% interest, 4.15% APY
12 Month CD earns 4.16% interest, 4.25% APY

Features:
@ Automatic renewal option available on maturity of CD.
@ Receive interest payment either monthly or quarterly.

Liquid CD:
With an opening deposit of $5,000 you get to earn:

3 Months Liquid CD earns 1.06% interest, 1.07% APY
5 Months Liquid CD earns 1.06% interest, 1.07% APY
10 Months Liquid CD earns 2.03% interest, 2.03% APY

Features:
@ You have the option to withdraw $500 or more every 7 calendar days.
@ $500 minimum for deposits and withdrawals.
@ After withdrawal the balance should remain $500.
@ Automatic renewal option available on maturity of CD.

24-Month Step Rate CD:
You need a minimum opening deposit of $1,000.

$1,000 – $9,999,999 earns 2.83% interest, 2.87% APY
Blended Yield earns you 0.00% interest, 3.10% APY
Step Rate Bump 6 Months earns you 2.98% interest, 3.02% APY
Step Rate Bump 12 Months earns you 3.13% interest, 3.18% APY
Step Rate Bump 18 Months earns you 3.28% interest, 3.33% APY

IRA CD:
$0 – $9,999 deposited for 3-6 month term earns 1.00% interest, 1.01% APY and the same amount earns 2.47% interest, 2.50% APY.
$10,000 – $49,999 deposited for 3-6 month term earns 1.05% interest, 1.06% APY and the same amount earns 2.57% interest, 2.60% APY.
$50,000 – $99,999 deposited for 3-6 month term earns 1.10% interest, 1.11% APY and the same amount earns 2.66% interest, 2.70% APY.
$100,000+ deposited for 3-6 month term earns 1.15% interest, 1.16% APY and the same amount earns 2.76% interest, 2.80% APY.

Features:
@ Automatic renewal option available on maturity of CD.

Common Features for the above CD account types:
@ APYs are accurate as of 08/08/2008 and are applicable for the Zip Code 91108. To check for your region you may visit the site.
@ Your funds are FDIC insured.
@ Free transer of funds to your Wachovia account and charges of $3-$10 charged for non-Wachovia account transfer.

For any guidance you may contact toll-free banking on (800) 922-4684.

The progress and development is giving a new shape to this dynamic world. Gone are the days when banking was only constraint to the depositing and withdrawing of funds. Now the word ‘bank’ has manifolds and has become an elaborative term. It is referred to as an institution which borrows money from one strata of society and again lends it to other strata for interest and profit.

Around 116 years ago a very competitive bank came into existence with the name of ‘NOVA BANK’. It operates as a Pennsylvania State Chartered Saving bank. It is also subject to regulations of Federal Deposit Insurance Corporation (FDIC). It provides personal & business banking services, financial planning & wealth management services. To get a clearer picture of its deposit products lets discuss its Certificates of Deposit in detail.

CERTIFICATES OF DEPOSIT
This strategy offers competitive rates of interest on the deposited hard money of its clients which are explained below:
3 months CD earns 2.37% interest, 2.40% APY.
6 months CD earns 2.96% interest, 3.00% APY.
9 months CD earns 2.96% interest, 3.00% APY.
12 months CD earns 3.44% interest, 3.50% APY.
18 months CD earns 3.68% interest, 3.75% APY.
24 months CD earns 3.68% interest, 3.75% APY.
36 months CD earns 3.68% interest, 3.75% APY.
48 months CD earns 3.68% interest, 3.75% APY.
60 months CD earns 4.16% interest, 4.25% APY.

Features:
@ Required Minimum Balance is $500.
@ Minimum Term is of 1 Month.

Nova bank very well knows the value of your money earned through toil and keeping this feeling in mind it has put this fruitful scheme in practice. It offers a fixed rate of interest on the savings for as short as 3 months and as long as 5 years.

So, it is very well depicted from the discussion that the rates of interest keep going higher as the time period of the savings goes higher. It is nicely said that the liquor kept for longer period of time tastes better than the fresh one and this scheme also aims at bringing good taste to you in the longer run or at a long span of time.

For further information call (877) 482-2650 or email info AT novasavingsbank.com.

Here we are with the name of that bank whose main consideration is to make every single dollar of yours more productive and prolific and that bank is ‘ADAMS BANK’. An old saying states, “If you have got the steam, we have got the engine.” This giant institution also follows similar footsteps of the old saying and springs out that if you have money or resources then we have got the means to let your money return the compliment.

‘Adams Bank’ is a colossal institution and has 16 full service banks with 25 ATM locations. It is offering zealous returns on its Direct Deposits like Certificate of Deposit. One really notable scheme of this huge organizational set up is their Certificates of Deposit scheme. Let’s put more light on this profitable venture.

1 Month CD with daily balance of under $9,999.99 earns 1.39% interest, 1.40% APY and $10,000.00+ earns 1.49% interest, 1.50% APY.
3 Month CD with daily balance of under $9,999.99 earns 1.69% interest, 1.70% APY and $10,000.00+ earns 1.89% interest, 1.90% APY.
6 Month CD with daily balance of under $9,999.99 earns 2.03% interest, 2.05% APY and $10,000.00+ earns 2.28% interest, 2.30% APY.
12 Month CD with daily balance of under $9,999.99 earns 2.33% interest, 2.35% APY and $10,000.00+ earns 2.58% interest, 2.60% APY.
18 Month CD with daily balance of under $9,999.99 earns 2.48% interest, 2.50% APY and $10,000.00+ earns 2.72% interest, 2.75% APY.
24 Month CD with daily balance of under $9,999.99 earns 2.72% interest, 2.75% APY and $10,000.00+ earns 2.97% interest, 3.00% APY.
30 Month CD with daily balance of under $9,999.99 earns 2.77% interest, 2.80% APY and $10,000.00+ earns 3.02% interest, 3.05% APY.
36 Month CD with daily balance of under $9,999.99 earns 2.92% interest, 2.95% APY and $10,000.00+ earns 3.16% interest, 3.20% APY.
48 Month CD with daily balance of under $9,999.99 earns 3.11% interest, 3.15% APY and $10,000.00+ earns 3.36% interest, 3.40% APY.
60 Month CD with daily balance of under $9,999.99 earns 3.31% interest, 3.35% APY and $10,000.00+ earns 3.55% interest, 3.60% APY.

Features:
@ Requires Minimum Opening Deposit of $500.
@ Your funds are FDIC insured.

Upgrade CD
30 Month Upgrade CD with daily balance under $9,999.99 earns 3.31% interest, 3.35% APY whereas the same CD with daily balance of $10,000.00 and up earns 3.55% interest, 3.60% APY.

Features:
@ Requires Minimum Opening Deposit of $2500.
@ Your funds are FDIC insured.

This bank offers a full range of the customer care services and its worth venturing in their offered schemes. Your investments will undoubtedly go up with a span of time and you will get a little more than your actual invested money and it’s honestly not a bad deal at all. For more information call (308) 284-8400 or
email at info AT abtbank.com.

You can start earning with a low minimum investment of $1,000. You can deposit for terms varying from 3 months to 10 years.

3 months CD earns .51% interest, .51% APY
5 months CD earns 1.59% interest, 1.60% APY
6 months CD earns 1.98% interest, 2.00% APY
7 months CD earns .80% interest, .80% APY
9 months CD earns 1.00% interest, 1.00% APY
11 months CD earns 1.98% interest, 2.00% APY
1 year CD earns 1.00% interest, 1.00% APY
13 months CD earns 1.00% interest, 1.00% APY
15 months CD earns 2.13% interest, 2.15% APY
18 months CD earns 1.49% interest, 1.50% APY
20 months CD earns 2.27% interest, 2.30% APY
24 months CD earns 1.98% interest, 2.00% APY
*Rates are accurate as of 07/29/2008.

Your funds are FDIC insured to the maximum allowable limit by law. You also get a handy passbook which can be used for record keeping and interest posting. Plus you will get an automatic notification prior to the maturity of CD Account. With CD investments you can also get the benefit of service charge free checking. Your account balance information, and transfers can be done by using your phone. You will need to take PhoneAccess™ from Emigrant Bank to use their touch-tone telephone banking service.

As of 31 Dec, 2007, Emigrant Bank and its affiliated regional banks had approx. 414.3 billion in its assets with a net worth of over $1 billion. Its Regional Banks are located in Manhattan, Bronx/Westchester, Brooklyn/Queens and Long Island.

It is a great opportunity to get the bigger returns on your small investments. So get started now!

For more information you may call at 1-888-EMIGRANT (1-888-364-4726) , or e-mail at “banking AT emigrant.com.”

Certificates of Deposit are an excellent way to capitalize the savings. Below explained are the rates as offered on different CD types:

Gold CD:
CD with Minimum Opening Balance of 1,000.00 USD for a period of 12 months earns 2.6200% interest, 2.6500% APY.

Regular CD:
3 months CD earns 2.4200% interest, 2.4500% APY.
6 months CD earns 2.2300% interest, 2.2500% APY.
9 months CD earns 2.4700% interest, 2.5000% APY.
12 months CD earns 2.6200% interest, 2.6500% APY.
13 months CD earns 0.0000% interest, 0.0000% APY.
15 months CD earns 0.0000% interest, 0.0000% APY.
18 months CD earns 2.2300% interest, 2.2500% APY.
24 months CD earns 2.9600% interest, 3.0000% APY.
60 months CD earns 3.4500% interest, 3.5100% APY.
Features:
@ Requires Minimum Opening Balance of 2,000.00 USD.

Flex CD:
CD spanning from 6 – 35 months earns 2.4700% interest, 2.5000% APY.
Features:
@ Minimum Opening Balance is 10,000.00 USD.

Special CD:
CD for 9 months with Minimum Opening Balance of 10,000.00 USD earns 2.4700% interest, 2.5000% APY.
CD for 10 months with Minimum Opening Balance of 10,000.00 USD earns 3.2000% interest, 3.2500% APY.
CD for 6 months with Minimum Opening Balance of 25,000.00 USD earns 2.7200% interest, 2.7500% APY.

Silver CD:
CD for 12 months with Minimum Opening Balance of 25,000.00 USD earns 2.6200% interest, 2.6500% APY.

Platinum CD:
CD for 12 months with Minimum Opening Balance of 50,000.00 USD earns 2.6200% interest, 2.6500% APY.

*All the above rates are accurate as of 07/30/2008.

Common features of different CD types:
@ Your funds are FDIC insured.

For additional information, contact their Call Center at (253) 926-4000 or (800) 228-2858.

Certificates of Deposit offer lucrative rates of return. Given below is an explanation of the rates offered on different CD types:

Traditional CD:

CD of $1 – $9,999 deposited for 1 – 3 months earns 1.00% interest, 1.00% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $10,000 – $24,999 deposited for 1 – 3 months earns 1.00% interest, 1.00% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $25,000 – $49,999 deposited for 1 – 3 months earns 1.14% interest, 1.15% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $50,000 – $99,999 deposited for 1 – 3 months earns 1.19% interest, 1.20% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $100,000 & over deposited for 1 – 3 months earns 1.19% interest, 1.20% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

Liquid CD:

The following CD balances should be deposited for a 5 month term:

$5,000  – $9,999 earns 1.24% interest, 1.25% APY
$10,000  – $24,999 earns 1.24% interest, 1.25% APY
$25,000  – $49,999 earns 1.98% interest, 2.00% APY
$50,000  – $99,999 earns 2.13% interest, 2.15% APY
$100,000+ earns 2.13% interest, 2.15% APY

Features:
@ On maintaining a balance of $5,000 some withdrawals can be made without penalty.

Online CD:

You can start earning the below interest rates with a little amount of $1,000:

6 Months CD earns 1.98% interest, 2.00% APY
8 Months CD earns 3.54% interest, 3.60% APY
12 Months CD earns 3.93% interest, 4.00% APY
24 Months CD earns 3.93% interest, 4.00% APY
36 Months CD earns 3.93% interest, 4.00% APY
48 Months CD earns 4.07% interest, 4.15% APY
60 Months CD earns 4.41% interest, 4.50% APY

Features:
@ For procuring the APY as effective on the date of application, the Online CD Account should be funded within seven days.

Retirement CD:

CD of $1 – $9,999 deposited for 1 – 3 months earns 1.00% interest, 1.00% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $10,000 – $24,999 deposited for 1 – 3 months earns 1.00% interest, 1.00% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $25,000 – $49,999 deposited for 1 – 3 months earns 1.14% interest, 1.15% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $50,000 – $99,999 deposited for 1 – 3 months earns 1.19% interest, 1.20% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

CD of $100,000 & over deposited for 1 – 3 months earns 1.19% interest, 1.20% APY. The same amount deposited for 48 – 120 months earns 4.89% interest, 5.00% APY.

*All the above rates are accurate as of 07/10/2008.
**All the above rates have been noted for the Zip Code 91108, San Marino, CA. You may fill in your code to get your rates.

Common features of different CD Account types:
@ Requires a minimum deposit of $1,000.
@ Interest Rate and APY may be affected for renewal term by withdrawals and deposits during the grace period.
@ Penalty may be imposed for early withdrawal.
@ Your funds are FDIC insured.

WAMU Bank has been providing financial products and services for over 100 years now. It has a broad vision and strong core values that has made it one of the most successful banks of the nation.

HSBC Direct Online Certificates of Deposit guarantee you great earnings in the ever fluctuating financial world. With a CD Account you can earn a competitive interest rate without any danger of suffering the market risks. Plus you can manage your account online.

Certificate of Deposit Rates:

6 Month CD:
With a minimum opening deposit of $5,000 you can earn an APY of 3.30%.

9 Month CD:
With a minimum opening deposit of $5,000 you can earn an APY of 3.40%.
*All the above quoted APYs are accurate as of 7/29/2008.

CD Account Features:
@ A penalty will be imposed for early withdrawal
@ Your funds are FDIC insured.
@ On CD maturity you can earn the then interest rate and APY for the same term without having to renew it.
@ You can instantly transfer your balance to other HSBC Direct accounts during the grace period.
@ Your online account is secured by the latest security technology methods.

In 2007, Money Magazine named HSBC Direct as “Best of Breed.” HSBC has 10,000 offices in 82 countries. It is the second largest financial company in the world and among the largest in the U.S.

Now you can easily get connected to one of the largest financial companies of the world. You can sign up here for a new account https://www.hsbcdirect.com/1/2/1/default/ocd-appinfo?code=MIW0000055.

The Certificates of Deposit are an excellent way to save as they offer good APY:

180 Day CD earns you 3.10% APY
12 Month CD earns you 3.85% APY
18 Month CD earns you 3.30% APY
24 Month CD earns you 3.10% APY
30 Month CD earns you 3.25% APY
36 Month CD earns you 3.45% APY
48 Month CD earns you 3.75% APY
60 Month CD earns you 3.90% APY
*The above rates are accurate as of 10/07/2008.
**The above rates have been noted for the Zip Code 91108, San Marino, CA. You may fill in your code to get your rates.

Features:
@ Minimum Deposit of $500 is required for opening account.
@ Monthly or annual automatic transfer of CD interest to your Express Checking, Savings or Money Market accounts.
@ Telephone banking for 24 hours.
@ Automatic renewal option is available.
@ For more information call (800) 642-0039.

Its products are simple to buy, easy to access and competitively priced. On becoming a client of Provident Direct you can easily make deposits and withdrawals at any of the Provident Bank’s more than 140 banches.

You can easily find your financial solutions here. With a Certificate of Deposit you can earn high rates. A minimum opening balance of $1,000 can enable you to earn the following rates:

3 Month CD earns 2.47% interest, 2.50% APY
6 Month CD earns 3.15% interest, 3.20% APY
1 Year CD earns 3.49% interest, 3.55% APY
15 Month CD earns 3.68% interest, 3.75% APY
1.5 Year CD earns 3.68% interest, 3.75% APY
2 Year CD earns 3.68% interest, 3.75% APY
2.5 Year CD earns 3.68% interest, 3.75% APY
3 Year CD earns 4.07% interest, 4.15% APY
4 Year CD earns 4.11% interest, 4.20% APY
5 Year CD earns 4.16% interest, 4.25% APY
*Above rates are accurate as of June 27 2008.

@ Your funds are FDIC insured.
@ Interest Compounds daily
@ Free electronic transfer of interest
@ IRAs welcome
@ Monthly and quarterly interest checks available
@ For opening an account you must be 18 years of age or older.

In 2007, Money Magazine featured E*Trade bank as “A really complete menu of bank features – and at the best rates”. Its products and services are highly appreciated. You can also try it out.

Today, Zions First National Bank operates through over 500 offices and 600 ATMs in 10 Western states. It offers a wide range of financial products and services. Its Certificates of Deposit are a hot product as it offers great rates of return. Following explained are the rates as offered on different CD types:

Gold Ultimate CD:

CD of $1,000 – $19,999.99 earns 1.860% interest, 1.88% APY.
CD of $20,000 – $99,999.99 earns 2.110% interest, 2.13% APY.
CD of $100,000 – $249,999.99 earns 2.610% interest, 2.64% APY.
CD of $250,000 – $999,999.99 earns 2.710% interest, 2.75% APY.
CD of $1,000,000+ earns 2.860% interest, 2.90% APY.

Ultimate CD:

CD of $1,000 – $19,999.99 earns 1.360% interest, 1.37% APY.
CD of $20,000 – $99,999.99 earns 1.610% interest, 1.62% APY.
CD of $100,000 – $249,999.99 earns 2.110% interest, 2.13% APY.
CD of $250,000 – $999,999.99 earns 2.210% interest, 2.23% APY.
CD of $1,000,000+ earns  2.360% interest, 2.39% APY.

Common features of Gold ultimate CD and Ultimate CD:
@ Minimum opening deposit is $1,000.
@ No monthly service fee.
@ Offers a variable interest rate with no maturity date and unlimited deposits are allowed.
@ Allows one no-fee withdrawal during first five days of each calender quarter and automatic transfer of interest to another  zions checking or savings account.
@ Interest is calculated on the collected balance which is book balance minus float.

Gold Certificates of Deposit:
If you are having a Zions Bank Gold Account Checking or Gold Interest Checking you can earn a higher interest rate by 0.5%.  Minimum Opening Deposit is $1,000 and your CD account can be opened for a period varying from 90 days to 5 years. Interest rate is fixed based on the term of the certificate.

Certificates of Deposit:
Minimum Opening deposit is $1,000 for a CD of 90 days to 5 years. Interest rate is fixed based on the term of the Certificate.
*All the above listed rates are accurate as of 07/29/2008.

For any assistance required to open an account, you may call at 1-866-761-8349 (Mon.-Sat. from 8 a.m. to 8 p.m. MT) or email at info@zionsbank.com. For your convenience you may also opt for Internet Banking and manage your account any day, any time of your choice.