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January 2013 Best CD Rates
 

January 2013 Best CD Rates

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As we start a new year, average CD rates and the best CD rates available will continue to decline. Thankfully, the declines will be small just because rates are so low. Rates can't really move much lower from these levels, especially the average bank CD rates as reported by the FDIC.

Below we are listing the average CD rates at banks in the FDIC survey for the week ending January 14, 2013, along with the highest CD rates on our rate lists as of January 17, 2013:

FDIC Average Bank CD Rates January 14, 2013

  • 1 Month 0.06%

  • 3 Month 0.09%

  • 6 Month 0.15%

  • 12 Month 0.23%

  • 24 Month 0.38%

  • 36 Month 0.51%

  • 48 Month 0.64%

  • 60 Month 0.82%


3 Month CD Rates

  1. E-Loan.com CD Rates 0.65% APY 0.65%

  2. EverBank CD Rates 0.61% APY 0.61%

  3. OneWest Bank CD Rates 0.45% APY 0.45%

  4. Barclays Bank CD Rates 0.40% APY 0.40%

  5. Discover Bank CD Rates 0.40% APY 0.40%


6 Month CD Rates

  1. Doral Bank CD Rates 0.90% APY 0.90%

  2. Colorado FSB CD Rates 0.80% APY 0.80%

  3. Discover Bank CD Rates 0.75% APY 0.75%

  4. ableBanking CD Rates 0.75% APY 0.75%

  5. E-Loan CD Rates 0.71% APY 0.71%


12 Month CD Rates

  1. GE Capital Bank CD Rates 1.04% APY 1.05%

  2. Colorado FSB CD Rates 1.04% APY 1.05%

  3. E-Loan CD Rates 1.02% APY 1.02%

  4. Discover Bank CD Rates 1.00% APY 1.00%

  5. ableBanking CD Rates 1.00% APY 1.00%


24 Month CD Rates

  1. CIT Bank CD Rates 1.19% APY 1.20%

  2. ableBanking CD Rates 1.18% APY 1.19%

  3. Discover Bank CD Rates 1.14% APY 1.15%

  4. California First National Bank CD Rates 1.13% APY 1.14%

  5. Ally Bank CD Rates 1.12% APY 1.13%


You can compare CD rates for all certificate of deposit terms by searching our rate tables. We list the best national rates and best regional rates on regular CDs, IRA CDs and jumbo CDs at cdrates.ratesorama.com.
Author: James Martin
January 17th, 2013