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Besides the sun, beach, and oranges, Florida has 286 banks and 177 credit unions headquartered in the state. With that big of a financial presence, one would expect to find some pretty decent CD rates. The average national 5 year CD rate is 1.60% APY while the highest rate in the country at the moment, from a bank is 2.80% APY and from a credit union 3.230% APY (a Texas credit union). What are the best rates in Florida?

We scanned our database for the best CD Rates in Massachusetts and came up with the following best rates from FDIC insured banks located in the Commonwealth. We searched for 5 year CD terms. You can view rates for other terms on our CD rates page.

Massachusetts offers some competitive local savings account rates if you know where to look.

With all of those financial institutions in the Lone Star State, it's no wonder that there are some way above-average CD rates to be found. The following banks offer 3-year CD rates well above the national average:

The cost of living in New York varies greatly across the state. Ironically, some of the more affordable parts of the state also offer some of the best CD rates. We scanned the BestCashCow database to come up with the best rates state-wide as well as those within the confines of New York City. Here's what we've found, focusing on 1 year rates:

Average one year CD rates have sunk below 1% APY. But if you put a little time and effort into researching rates, it's possible to find rates in California significantly above that level. Spending a few minutes of your time might put hundreds of dollars into your pocket - with no additional risk.

As a Google shareholder, I was concerned when the company decided earlier in the year to let Sergei Brin and Larry Page run the show. While Eric Schmidt's tenure needed to end, it seemed improbable that multi-billionaires could take the time to give new direction and leadership to a company that they had founded but which had grown into new industries quickly and needed new energy. The Motorola Mobility acquisition shows complete lack of energy and innovation, and may very well completely undermine Google's wireless efforts.

With dividends ranging from 6 to 11%, one telecom industry observer is buying the major telecom carriers for the first time in 15 years.

This is the last in the series of dividend stocks in the telecommunications industry. We have seen that AT&T (T) and Verizon Corp (VZ) both offer around 5% dividend yields with comparatively low risk, while Frontier (FTR) offers a higher yield with the risk of lower stability and higher yield volatility. A thorough look at the business and financial statements of CenturyLink Inc (CTL) and Windstream Corp (WIN) sheds more light on telecom stock investing.

It is also interesting to note that among the many industries spanned by S&P companies, the telecommunications sector has the highest average dividend yield. However, as an analysis of Frontier Communications indicates, these dividends are not without real risks

While many dividend investors are attracted to the Intel dividend, Microsoft's healthy dividend and capital structure make it worth a second look.

PayPal once offered a money market fund for its merchants that had one of the highest yields in the country. Today, the company announced that it is shutting it down.

People go into debt for several reasons, but poor money management is the source of many financial woes. Here's how you can stop and reverse the cycle of debt.

If you are seeking a higher APY on your investment, Lending Club is a social lending network that boasts an average rate of return of 9.64%. Additionally, they claim that every single investor who has diversified their club portfolio with 800 or more notes have earned a positive return on their total investment.