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Plus, you Canada Goose online won’t lose any of the principal

10 Best CD Accounts of 2016

Certificates of deposit (CDs) are appealing for people looking for a low risk way to invest and save money. They’re similar to savings accounts that earn interest, except that the money you put in a CD account has to stay in the account until the CD’s term is up, which could range from a few months to a few years. And although you won’t earn a particularly high rate of return with a CD, CD account rates are usually higher than savings account rates. Plus, you Canada Goose online won’t lose any of the principal you invest.

Many banks offer CD accounts with different terms and requirements, so it can be hard to choose one. Still, it’s important that you shop around for the best CDs and the best CD rates. Fortunately, GOBankingRates has done the research for youin its annual Best Banks study.

canadian goose jacket GOBankingRates ranked the 10 best CD accounts of 2016 based on three criteria: minimum deposit to open, 12 month CD annual percentage yield (APY) and 60 month CD APY. If a 12 month or 60 month CD was not offered, the next closest time frame was considered. canadian goose jacket

Canada Goose sale If you’re thinking about putting your money in a CD, check out the offerings from these 10 banks. All of these banks offer accounts with CD interest canadian goose jacket rates that are higher than the national average. For reference, the national average CD account rate on 12 month CDs is just 0.21% APY; on 60 month CDs, the average is 0.80% APY, as buy canada goose jacket of Jan. 11, 2016. Canada Goose sale

Canada Goose online Review: When GOBankingRates compiled data for this study, CIT Bank boasted an APY of 1.25% on canada goose coats its one year Term CD. As of Jan. 11, 2016, the APY is a slightly lower 1.22%. Still, it’s one of the highest APYs in the GOBankingRates ranking, and the minimum opening deposit is just $1,000. The five canada goose outlet year CD APY of 2.20% is also one of the highest CD rates in the top 10. And, CIT Bank offers RampUp CDs, which let you boost your rate once during the CD’s term if the bank’s rates go up. citizen and 18 years old to open Canada Goose sale an account. You can apply online providing your address, Social Security number canada goose and driver’s license or state issued ID. You’ll also need your bank account number to transfer funds electronically to a CD account. Canada Goose online

Canada Goose Parka Review: Barclays Bank Delaware is one of three banks on this list buy canada goose jacket cheap that don’t require a minimum deposit to open a high interest canada goose coats on sale CD account. And, there are no monthly fees. Canada Goose Parka

cheap Canada Goose How to open: You can open an account on the Barclays site by providing personal information, including your Social Security number, and transferring funds electronically from another account. cheap Canada Goose

Canada Goose Jackets Related: 10 Best Savings Accounts of 2016 Canada Goose Jackets

Review: Synchrony Bank has a high minimum deposit requirement, but a 1.25% APY on its 12 month Canada Goose Parka CD and 2.20% APY on its 60 month CD mean your money can grow more. Plus, rates increase as your deposit increases. For example, the APY on the 60 month CD climbs to 2.25% on deposits of $25,000 or more.

canada goose black friday sale How to open: You can open an account online. You’ll need to provide your date of birth, Social Security number, driver’s license or state ID card number, and bank account and routing numbers to transfer funds electronically to Synchrony. canada goose black friday sale

canada goose coats Review: The winner of Best Online Bank of 2016also offers some of the best CD rates 1.05% APY for its 12 month CD and 2.00% APY for its 60 month CD. For its other CDs, the rates rise as your deposit rises. canada goose coats

Ally Bank also has an 11 month No Penalty CD that doesn’t charge a fee for early withdrawal. And its Raise Your Rate two year and four year CDs start with a 1.30% APY and allow you to increase your rate at least once during the terms.

canada goose store How to open: You can open an account online. You’ll need to provide personal information, including your date of birth and Social Security number. canada goose store

canada goose uk black friday Review: Nationwide Bank offers a competitive 1.05% APY on its 12 month CD for balances $99,999.99 and under. For balances $100,000 and up, the APY is 1.10%. However, it’s one of only two banks in this top 10 group that offers less than 2.00% APY on its 60 month CD. But, account holders with at least $100,000 in their 60 month CD can earn 2.00% APY. canada goose uk black friday

How to open: You can open an account online on the Nationwide Canada Goose Outlet site by providing personal information, including your date of birth, Social Security number and canada goose clearance contact information.

Why: At 2.22% APY, First Internet Bank offers one of the highest 60 month CD APYs on this list. However, the 12 month CD APY is a little less competitive.

canada goose clearance Review: If you’re willing to keep your money tied up for a while to earn a higher yield, First Internet Bank offers an attractive 2.22% APY on its 60 month CD. You’ll also need to make a minimum deposit of $1,000. The 1.11% APY canada goose deals on the 12 month CD is respectable but not the highest available. canada goose clearance

canada goose factory sale canada goose store How to open: You can open an account online. You’ll need to provide your personal information such as your address and date of birth. The bank might even ask for your driver’s license. canada goose factory sale

Canada Goose Outlet Review: Sallie Mae Bank offers a 1.25% APY on its 12 month CD and a 2.10% APY on its 60 month CD. And neither account charges monthly Canada Goose Jackets fees. However, the minimum deposit requirement is one of the highest offered by banks on this list. Plus, Sallie Mae has a limited CD offering with only 12, 36 and 60 month terms. Canada Goose Outlet

Canada Goose Coats On Sale How to open: You can open an account online by providing personal information, including your Social Security number and your bank information to transfer funds electronically to your new account. However, the 1.75% APY on its 60 month CD is the lowest in this group and hasn’t changed yet. Canada Goose Coats On Sale

Why: The no minimum deposit requirement makes Capital One’s CD products appealing to those cheap Canada Goose without a lot of money to invest. Although the APY on its 60 month CD is competitive, the APY on its 12 month CD is the lowest in this top 10 group.

Review: You’ll earn more on short term CDs at other banks, considering that the Capital One 12 month CD has an APY of just 0.40%. However, its 60 month CD currently offers an appealing 2.20% APY. When the study was conducted, Capital One’s 60 month CD’s APY was only 2.10%.

Review: The Discover Bank 12 month CD has an appealing 1.15% APY, and its five year CD currently offers a respectable 2.20% APY. When https://www.canadagoose-jackets-online.com GOBankingRates was conducting the research, the five year CD had an APY of only 2.00%.

The canada goose black friday sale bank also offers a large range of CD terms from three months to 10 years. However, Discover Bank has one of the highest minimum opening deposit requirements in this list, requiring an initial deposit of $2,500.

canada goose uk outlet How to open: You can open an account online by providing contact information and your Social Security number. You can fund your account by mailing a check or transferring funds electronically canada goose uk outlet.

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