Aurora bank is currently offering 6 month bank CD rates at 1.00% with a yield of 1.00%. That rate is more than three times the current national average 6 month rate of 0.308% as reported by MonitorBankRates.com. The minimum opening deposit for a certificate of deposit account at Aurora Bank is $1,000.

Discover Bank has the second best 6 month CD rate on our list of national rates. 6 month Discover Bank CD rates are at 0.85% with a yield of 0.85%. The minimum opening deposit for a Discover Bank CD is $2,500.

Coming in with the third highest CD rate on our list is Ally Bank. The bank?s current 6 month CD rate is 0.84% with a yield of 0.84%. The minimum opening deposit at Ally Bank is only $1.

Other banks on our national rate list that are offering 6 month rates higher than the national average include First Internet Bank of IN offering 6 month rates at 0.75%. AIG Bank is offering CD rates at .070% and Everbank is offering 6 month rates at 0.61%.

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The best 9 month CD rates from our database topped out at a fairly low 1.0% APY this week, with the best 12 month CDs topping out at just 1.20% APY.

You may be able to find a local community bank or credit union offering a slightly higher interest rate, however, these institutions tend to be fairly exclusive, with membership based on location or place of employment.

Today?s top CD rates available online:

• 3 month CD yielding 0.60% APY with a minimum deposit of $1,000 required (OneWest Bank)
• 6 month CD yielding 1.00% APY with a minimum deposit of $1,000 required (Aurora Bank and Ascencia Bank)
• 9 month CD yielding 1.00% APY with a minimum deposit of $1,000 required (Discover Bank and GiantBank)
• 12 month CD yielding 1.20% APY with a minimum deposit of $1,000 required (SallieMae)

Best 9 Month CD Rates from Credit Unions:

• Navy Federal Credit Union has a 9 month CD yielding 0.80% APY with a minimum deposit of $10k required.
• Affinity Credit Union has a 9 month CD yielding 0.75% APY with a minimum deposit of $500 required.
• Velocity Credit Union has a 9 month CD yielding 0.60% APY with a minimum deposit of $1k required.

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Huntington bank currently has a Premium Plus Money Market that offers 1.25% APY on balances above 20k. To qualify for this account you must also open a checking account and maintain a 1500 balance.

Huntington Bank is available to people nationwide, except for residents in California and Massachusetts. They have over 600 branches in the US.

Compared to the top money market accounts, it’s by far one of the top money market interest rates currently available. The national average for money market rates on balances above $25k sits at roughly 0.80% APY. The national average for money market accounts with balances of $0-$10k and $10k-$20k sit at roughly 0.55% APY and 0.63% APY, respectively.

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Dime Savings Bank has a Prime Rewards Money Market Account earning 1.01 percent annual percentage yield (APY) on balances of $75,000 and up. The money market rate is available for passbook and statement accounts. The money market has tiered interest rates that are currently at:

• 0.2 percent APY for balances of less than $1,000
• 0.45 percent APY for $1,000 to $24,999
• 0.75 percent APY for $25,000 to $49,999
• 0.9 percent APY for $50,000 to $74,999

If you maintain a Dime Savings Bank checking account you automatically qualify for the money market account. Other details of the money market account include no monthly $10 fee if you maintain an average daily balance of $2,500 and it is insured by the Federal Deposit Insurance Corp. (FDIC). For statement accounts you can write up to six checks per monthly statement, get a free ATM card or Visa check card and check your balance 24 hours a day with online banking.

The bank also has a competitive CD rate of 1.15 percent APY for a 2-year term. To open a certificate of deposit you need a minimum deposit of $500. Interest is compounded daily and credited monthly. CD terms at the bank range from 3 months to 7 years. Dime Savings Bank is based in New York.

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Bank of the West has a $100 checking account bonus available. All you have to do is sign up for a new checking account, and establish a monthly direct deposit of $250 or more. Direct deposit must be payroll, Social Security, pension or other government benefit.

The first 2 deposits must be posted to the account within 60 days of account opening. Bonus will be paid within 60 days of meeting requirements. Limit of one $100 bonus per personal household or business entity address per 13-month period. Customers who received a bonus from Bank of the West between 7/6/10?8/7/11 are not eligible. Offer subject to change or termination without prior notice at the Bank?s discretion. Offer cannot be combined with any other offer and does not apply to second or multiple checking accounts. Accounts with a zero balance, overdrawn or closed at the time the bonus is awarded are not eligible. Any applicable taxes are the responsibility of the account holder.

Bank of the West is one of the large regional banks. It has $61.18 billion in assets and $41.38 billion in deposits. The bank has been a FDIC member since 1934 (FDIC Certificate # 3514).

You can find the bank bonus promotional page here.

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EDIT: This offer has expired. 

Chase offers 50,000 Bonus Points with Southwest Airlines Premier Credit Card after your first purchase. These points are redeemable for 2 Roundtrip Flights, or $950 worth of Southwest flights.

There is a $99 annual membership fee (not waived for first year), but you get 6,000 points on your anniversary, which is equal to $100 towards a wanna get away fare.

This card also features the following:

• 1 point per dollar spent on purchases, which equals a rebate of 1.9%
• 2 pts per dollar spent on southwest related purchases, including hotel and car rentals using Southwest, which roughly equals 3.8%.
• Free companion pass if you earn 110,000 points in a year.
• You will also earn 1 point for each $1 of balance transfers for the first 90 days from your enrollment date in the program, up to 15,000 in points.

Over-the-Credit-Limit Fee:
None for Signature; Up to $35 for Classic.

Additional info:

Bonus Points

Rapid Rewards points can be redeemed for Wanna Get Away fares at a rate of 60 points for each $1 of fare price. You will qualify for and receive your bonus points after your first purchase. First purchase does not include using your account for balance transfers or cash advances, or using any checks that access your account. After qualifying, please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time Southwest Airlines Rapid Rewards personal Cardmembers with new accounts. Previous and existing Southwest Airlines Rapid Rewards personal Cardmembers/accounts are not eligible for this bonus offer.

Earning Points

You will earn 2 points for each $1 of net purchases made directly with Southwest Airlines, including flight, inflight, southwestgiftcard, Jackpot Deals, and Southwest Airlines Vacations package purchases, and at participating Southwest Airlines Rapid Rewards Hotel and Rental Car Partners. You will earn 1 point for each $1 of all other net purchases. You will earn 1,500 Tier Qualifying Points (TQPs) for each $10,000 of eligible net purchases. TQPs are used solely towards elite status qualification. Each year, you will receive 6,000 points after your Anniversary. (“Anniversary” is the date that is twelve months after your enrollment date, and the same date each twelve months thereafter.) You will also earn 1 point for each $1 of balance transfers for the first 90 days from your enrollment date in the program, up to a maximum of 15k points.

Visit Southwest.com to apply for the card today!

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Bank of Internet just raised its 1 year CD from 1.21% to 1.27%. This isn’t really a huge rate increase but it is nice to see some rate increases when overall CD rates have been dropping steadily. The minimum deposit on this CD is $1000.

The Bank of Internet CDs feature:

• Multiple beneficiaries can be included in the application
• You can select ownership designation as POD, ITF or ATF
• You can select the following types of accounts in the application: Joint, Trust, Non-Profit Corp. and UTMA
• In the application you can select to have interest added back into the CD or paid out monthly to an outside bank via ACH
• The CD rate is determined on the day Bank of Internet receives your application – this rate is reserved for a period of 10 business days to allow time for your deposit to arrive
• No IRA accounts available
• Early withdrawal penalty is 6 months of interest for terms of 12 to 23 months
• Grace period at maturity is 10 days
• Forfeit interest earned during grace period if you close the CD

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Chase has increased the cashback on their Chase Freedom credit card to a total of $200 cashback! This offer is only available for a limited time.

You get $200 cash back after spending just $500 in the first 3 months!

The Chase Freedom card also gives you %5 cash back on select rotating categories  (the next group of categories include airlines, hotels, and gas) as well as 1% cash back on everything else.

You also get up to 10% cash back on select merchants through the Chase website.

I have been using the Chase freedom card for over 2 years now and have received over $900 in the form of rewards checks. It also has excellent fraud protection and no annual fee. I?ve had my card stolen once and they refunded me the fraudulent amounts within a week. Customer service was was very helpful and prompt.

Visit their website today for more information.

If you already have a Chase Freedom card, you can enroll in 5% cashback here.

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The current top CD rates in California are:

• 3 month CD – OneUnited Bank – .50% APY, 1,000 min deposit
• 6 month CD – Pacific Mercantile Bank – 1.00% APY, 10,000 min deposit
• 9 month CD – OneUnited Bank – 1.00% APY, 1,000 min deposit
• 1 year CD – PatelCO Credit Union – 5.00% APY, 1,000 max deposit (special CD)
• 18 month CD – Pacific Mercantile Bank – 1.31% APY, 10,000 min deposit
• 3 year CD – United Central Bank – 1.81% APY, 1,000 min deposit
• 5 year CD – Pacific Mercantile Bank – 1.31% APY, 10,000 min deposit

These are all local rates available at California banks and credit unions. Better CD rates can, for the most part, be found in online CDs.

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Here’s a list of the current top CD rates in Florida:

• 3 month CD – OneUnited Bank Unity CD – 0.50% APY, 1000 min deposit
• 7 month CD – TotalBank Promotional CD – 1.10% APY, 1000 min deposit
• 9 month CD – ONeUnited Bank Unity CD – 1.00% APY, 1000 min deposit
• 1 year CD – First Florida Credit Union CD – 1.24% APY, 1000 min deposit
• 18 month CD – OneUnited Unity CD – 1.25% APY 1000 min deposit
• 2 year CD – First Florida Credit Union CD – 1.31% APY, 1000 min deposit
• 3 year CD – First Florida Credit Union CD – 1.79% APY, 1000 min deposit
• 5 year CD – SunTrust Bank Special CD – 2.70% APY, 2000 min deposit

All these CD rates area available locally at Florida credit union or banks.

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