Provident Direct CD Rates

Provident Direct is offering some competitive CD rates. There’s a 4.00% APY 18-month CD and a 4.35% APY 36-month CD. The 18-month CD has a minimum deposit of $1,000, and the 36-month CD has a $10,000 minimum. The maximum allowed deposit is $500,000.

These can be opened online with an electronic funds transfer (ACH) or you can mail a check. According to the CSR, they can’t do a reverse ACH when the CD matures and you don’t want to renew. You can either request a check or have the money transfered into a Provident liquid account. Their online savings account would make this easy.

According to the Consumer Deposit Account Agreement, the early withdrawal penalty is equal to 6 months of interest for terms over one year.

In addition to applying online at Provident Direct, you can open by phone, and for those who live near a Provident branch, you can open the CD at a branch. Provident Bank is also advertising the 4.00% APY 18-month CD. This has a minimum deposit of only $500. However, the 36-month CD is only 4.00% APY (see rate table). Branches are located in Maryland and Virginia.

Top Capital One CD Rates

Certificates of Deposit for Capital One, N.A.

The minimum deposit required to open a non-jumbo Certificate of Deposit is $5,000.

CD Term	Interest Rate*	APY*
6 months**	2.96%	3.00%
1 year	3.20%	3.25%
18 months	3.49%	3.55%
2 years	3.92%	4.00%
30 months	3.92%	4.00%
3 years	4.02%	4.10%
4 years	4.40%	4.50%
5 years	4.64%	4.75%
7 years	4.88%	5.00%
10 years	4.88%	5.00%

GMAC Bank CD Rates

Here is a rate table of current GMAC Bank CD Rates:

Balance	Term	Rate	APY
$500 or more	3 months	3.44%	3.50%
	6 months	3.54%	3.60%
	9 months	3.54%	3.60%
	12 months	3.83%	3.90%
	18 months	3.54%	3.60%
	2 years	3.68%	3.75%
	3 years	3.92%	4.00%
	4 years	3.92%	4.00%
	5 years	4.07%	4.15%

$500 minimum opening deposit required. Deposit term will begin upon receipt of initial deposit. Your interest rate will be the one in effect on that date. Interest compounded daily. Fees could reduce the earnings on account. Penalty for early withdrawal.

Altura Credit Union 5.00% APY Share CD

Altura Credit Union is offering 5.00% APY on a 50 week youth share certificate. This certificate has a minimum deposit requirement of $50 and a maximum deposit limit of $10,000.

Field of membership in Altura Credit Union is extended to those who live, work, attend school, or worship in Riverside County or San Diego County, California or the following California cities: Anaheim, Garden Grove, Irvine, Santa Ana, Rancho Cucamonga, Ontario or Fontana. If you otherwise don’t qualify for membership in this credit union, you can first join the Riverside PTA for $5 to meet the field of membership requirements.

Washington Mutual CD Rates

Washington Mutual currently has one of the highest CD rates for large online banks, with a 4.0% APY rate on their 6 month CD. This is a better rate than both Wells Fargo and Bank of America are currently offering. On top of this CD, they also have other certificates with rates ranging from 3.51% to 3.75% with 1 year to 5 year terms. Minimum deposit to open a CD with WaMu is $1,000.

To obtain the APY for the effective date on the day you apply, the Online CD account must be funded within seven (7) calendar days. If received on or after the eighth calendar day, the then effective date APY will be applied. Certificate of Deposit accounts earn a fixed interest rate and APY for the selected term. Fees may reduce earnings. Penalty for early withdrawals apply.