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When Silver Falls Bank in Oregon failed,the acquiring bank, Citizens Bank of Corvallis lowered depositor CD rates from 4% to 1%. That's the hazard of going with a less sound bank.

State Bank of India, New York is offering a 36-month (3 year) CD paying 3.55% APY. That's the highest 36 month CD rate since early February.

Citibank is offering a competitive 12-month CD that pays 2.70% APY. It must be opened in a branch and as far as I know it's only for Massachusetts customers.

AIG is offering some pretty competitive CDs. The question is, with all of the hoopla over executive compensation, would you open one?

Short term CD rates are falling as the Federal Reserve holds the overnight Fed Funds rate close to zero.

First Trade Union Bank is offering a 3% APY 36-month CD. As rates continue to fall, anything at 3% or above is starting to look good.

Citibank is offering an 18-month CD that pays 2.25% APY. That's currently the best 18-month CD rate according to the BestCashCow rate tables.

Century Bank Direct is offering a 15-Month CD that pays 2.25% APY. It is also offering several other competitive products including a 2.09% APY 10 month CD and a 2.35% APY 20 month CD.

Flagstar Bank if offering a competitive 48 month (4 year) CD paying 4.50% APY.

EBSB Direct is offering a 10-month CD that pays 1.77% APY with a minimum deposit of $1,000.

One West Bank, formerly Indymac, is offering a 10-month CD that pays 2.15% APY.

H&R Block Bank is offering a 90-day CD that pays 1.5% APY.

Discover Bank announced today that it will allow penalty-free early withdrawals from 12-month certificates of deposit for new and renewing account holders who lose their jobs.