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Here’s a list of certificates of deposit offered by major U.S. banks. All of the accounts listed here are ranked according to their term lengths and APYs.

3 Months

1. E-loan - 3.41% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. GMAC Bank - 3.25% APY
   $500 minimum opening deposit required.
   
3. eBank - 3.25% APY
   $1000 minimum deposit required.
4. Countrywide - 3.0% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
5. UFB Direct - 2.81% APY
   $8,000 minimum deposit required
6. E*Trade - 2.6% APY
   A $1,000 minimum balance is required.
7. CitiBank - 2.2% APY
8. Wells Fargo - 1.4% APY
   $10,000 minimum deposit required.

6 Months

1. E-loan - 3.77% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. GMAC Bank - 3.76% APY$500 minimum opening deposit required.
3. HSBC Direct - 3.55% APY
   $5,000 minimum deposit required.
4. ING Direct - 3.5% APY
   $1 minimum deposit required.
   
5. eBank - 3.50% APY
   $1000 minimum deposit required.
6. Countrywide - 3.3% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
7. E*Trade - 3.3% APY
   A $1,000 minimum balance is required.
8. Capital One Direct - 3.25% APY
   $5,000 minimum deposit required.
9. UFB Direct - 2.81% APY
   $8,000 minimum deposit required
10. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.
11. Washington Mutual - 2.0% APY
    
    Online CD. $1000 minimum deposit required.
12. CitiBank - 2.0% APY
13. Chase - 2.0% APY
    A $1,000 minimum balance is required.
14. Wells Fargo - 1.5% APY
    $10,000 minimum deposit required.

9 Months

1. Washington Mutual - 4.25% APY
   Online CD. $1000 minimum deposit required. (8-Month Term)
2. E-loan - 3.95% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
3. GMAC Bank - 3.76% APY$500 minimum opening deposit required.
   
4. ING Direct - 3.6% APY
   $1 minimum deposit required.
5. CitiBank - 3.5% APY
6. HSBC Direct - 3.45% APY
   $5,000 minimum deposit required.
7. Countrywide - 3.0% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
8. Bank of America - 2.7% APY
   Risk-Free CD. $5,000 minimum deposit required.
9. Emigrant Direct - 2.5% APY
   There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

1 Year

1. Washington Mutual - 4.5% APY
   
   Online CD. $1000 minimum deposit required.
2. Wachovia - 4.3%APY
   Featured CD. $5,000 minimum deposit required.
3. E-loan - 4.26% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
4. GMAC Bank - 4.15% APY
   $500 minimum opening deposit required.
5. eBank - 4.05% APY
   $1000 minimum deposit required.
6. Countrywide - 3.9% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
7. ING Direct - 3.7% APY
   $1 minimum deposit required.
8. HSBC Direct - 3.5% APY
   $5,000 minimum deposit required.
9. Capital One Direct - 3.5% APY
   $5,000 minimum deposit required.
10. E*Trade - 3.45% APY
    A $1,000 minimum balance is required.
11. Chase - 3.3% APY
    A $10,000 minimum balance is required.
12. UFB Direct - 3.01% APY
    $8,000 minimum deposit required
13. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.
14. CitiBank - 2.0% APY
15. Wells Fargo - 1.85% APY
    $10,000 minimum deposit required.

1.5 Years

1. eBank - 4.25% APY
   $1000 minimum deposit required.
2. E-loan - 4.2% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
3. GMAC Bank - 4.18% APY
   $500 minimum opening deposit required.
4. Washington Mutual - 4.0% APY
   
   Online CD. $1000 minimum deposit required.
5. Capital One Direct - 3.75% APY
   $5,000 minimum deposit required.
6. ING Direct - 3.75% APY
   $1 minimum deposit required.
7. HSBC Direct - 3.65% APY
   $5,000 minimum deposit required.
8. E*Trade - 3.2% APY
   A $1,000 minimum balance is required.
9. Countrywide - 3.0% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
10. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

2 Years

1. E-loan - 4.36%-4.41% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. GMAC Bank - 4.28% APY
   $500 minimum opening deposit required.
   
3. Capital One Direct - 4.25% APY
   $5,000 minimum deposit required.
4. Washington Mutual - 4.0% APY
   
   Online CD. $1000 minimum deposit required.
5. ING Direct - 3.8% APY
   $1 minimum deposit required.
6. HSBC Direct - 3.55% APY
   $5,000 minimum deposit required.
7. Chase - 3.5% APY
   A $10,000 minimum balance is required.
8. Countrywide - 3.5% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
9. eBank - 3.4% APY
   $1000 minimum deposit required.
10. E*Trade - 3.35% APY
    A $1,000 minimum balance is required.
11. CitiBank - 3.25% APY
12. UFB Direct - 3.01% APY
    $8,000 minimum deposit required
13. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

2.5 Years

1. Capital One Direct - 4.25% APY
   $5,000 minimum deposit required.
2. ING Direct - 3.85% APY
   $1 minimum deposit required.
3. CitiBank - 3.8% APY
4. HSBC Direct - 3.55% APY
   $5,000 minimum deposit required.
5. eBank - 3.4% APY
   $1000 minimum deposit required.
6. E*Trade - 3.35% APY
   A $1,000 minimum balance is required.
7. Countrywide - 3.0% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
8. Emigrant Direct - 2.5% APY
   There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

3 Years

1. E-loan - 4.66%-4.7% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. GMAC Bank - 4.5% APY
   $500 minimum opening deposit required.
   
3. Capital One Direct - 4.25% APY
   $5,000 minimum deposit required.
4. Chase - 4.0% APY
   A $10,000 minimum balance is required.
5. HSBC Direct - 4.0% APY
   $5,000 minimum deposit required.
6. Washington Mutual - 4.0% APY
   
   Online CD. $1000 minimum deposit required.
7. ING Direct - 3.9% APY
   $1 minimum deposit required.
8. Countrywide - 3.7% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
9. E*Trade - 3.55% APY
   A $1,000 minimum balance is required.
10. CitiBank - 3.5% APY
11. eBank - 3.4% APY
    $1000 minimum deposit required.
12. UFB Direct - 3.01% APY
    $8,000 minimum deposit required
13. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

4 Years

1. E-loan - 4.82% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. Capital One Direct - 4.75% APY
   $5,000 minimum deposit required.
3. GMAC Bank - 4.75% APY
   $500 minimum opening deposit required.
4. HSBC Direct - 4.25% APY
   $5,000 minimum deposit required.
5. Washington Mutual - 4.15% APY
   
   Online CD. $1000 minimum deposit required.
6. Countrywide - 3.95% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
7. ING Direct - 3.95% APY
   $1 minimum deposit required.
8. E*Trade - 3.8% APY
   A $1,000 minimum balance is required.
9. eBank - 3.4% APY
   $1000 minimum deposit required.
10. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

5 Years

1. E-loan - 5.10%-5.25%% APY
   There is a $10,000 minimum opening account deposit and balance requirement.
2. Capital One Direct - 5.0% APY
   $5,000 minimum deposit required.
3. GMAC Bank - 5.0% APY
   $500 minimum opening deposit required.
4. Washington Mutual - 4.5% APY
   
   Online CD. $1000 minimum deposit required.
5. Countrywide - 3.95% APY
   The minimum deposit to open a CD account and obtain the APY is $10,000 for a regular CD and $2,500 for an IRA CD.
6. E*Trade - 4.0% APY
   A $1,000 minimum balance is required.
7. CitiBank - 4.0% APY
8. ING Direct - 4.0% APY
   $1 minimum deposit required.
9.  eBank - 3.4% APY
   $1000 minimum deposit required.
10. UFB Direct - 3.01% APY
    $8,000 minimum deposit required
11. Emigrant Direct - 2.5% APY
    There is a $1,000 minimum opening account deposit and balance requirement. Must also open Emigrant Direct Savings Account.

Last Update: 8/18/08