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We just got tipped off on a sweet bank CD (certificate of deposit) rate offered through Legacy Bank, which serves the state of New York and Massachusetts. This promotional product comes in the form of a 40 month deposit and is yielding 3.50% APY with a minimum deposit amount of $1,000. To put this offer in perspective, the national average for 5 year CD’s sits at roughly 2.80% APY.
Thanks to BankVibe reader Bonnie for tipping us off!

The Bank of Kampsville, based out of Pleasant Hill, Illinois, is currently offering some short term CD rates that are beating the national average by a fairly substantial margin. Unfortunately for most of us, these products will be off limits as the bank is a small regional bank that accepts local funds. However, if you do live in Illinois and are in the market for a short term CD, you may want to stop by one of their branches. They have 4 locations within the state of Illinois - Kampsville, Brussels, Pleasant Hill, and Hardin.

The best online CD rate can be found at Danvers Bank. In fact, they have been offering the most competitive online CD rates for the majority of 2009.
In February Danvers Bank had a 4 month online CD yielding 3.30% APY. Then in March they dropped the rate to a still competitive 2.94% APY.

Two months ago Danvers Bank out of Boston, Massachusetts, offered a sweet CD rate promotion. A 4 month online CD yieding 3.30% APY for a limited time. And as of April 2, 2009, they still have this 4 month online certificate of deposit promotion running, however it now comes with a fixed interest rate of 2.94% or 3.00% APY.

Enterprise Bank of South Carolina has two pretty substantial offers on their promotional CD (certificate of deposit) products.

Thanks to BankVibe reader Sean for tipping us off on a phenomenal rate coming from a local Illinois bank. Currently STC Capital Bank has a 6 month certificate of deposit which is yielding 2.50% APY. The average yield for 6 month CD’s sits at roughly 1.30% APY. Unfortunately for most of us, this product is not available. STC Capital Bank only has two branches and both are in St. Charles, Illinois. This product is only available to customers in the area.

First Priority Credit Union out of Massachusetts currently has two noteworthy CD rate promotions going on.
First is their exceptional 9 month CD special which has an interest rate of 2.97% or 3.0% APY! To put this lucrative rate in perspective the national average for 12 month CDs is currently 1.99% and the national average for 2 year CDs is 2.33%.

Below are the highest yielding money market account rates available to the residents of New Jersey. We have narrowed our selection down to the best 3. One thing to note before proceeding with one of the accounts below is that currently some of the larger national banks are offering money market rates which are slightly more competitive than the ones available to the local residents of New Jersey.

Thanks to BankVibe.com reader Jason for tipping us off on a sweet 12 month CD (certificate of deposit) offer coming out of one small credit union in Texas. Actually, Domino Federal Credit Union of Domino, TX, is offering several deposit products that provide annual percentage yields which put the national average(s) to shame. However, like most credit unions, this one is fairly exclusive to join.