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DISCLAIMER: not responsible for accuracy of information. Please verify on your own.

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Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher ( denotes high end of range)( $100,000 and up)
D - Rate down last change
U - Rate up last change
S - Stable from last update
N - New posting
MM/DD/YY - date of last rate check

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Standard Terms

3 Month
U 07/25/08 $$$ Corus Bank 3.56%
U 07/27/08 $$$ Virtual Bank 3.46%
U 07/25/08 $ Nexity Bank 3.41%
U 07/14/08 $ Imperial Capital Bank 3.40%
D 07/27/08 $$$ E-LOAN 3.26%
S 07/27/08 $ GMAC Bank 3.25%
S 06/24/08 $ Umbrella Bank 3.25%
S 07/05/08 $ ebank 3.25%
N 07/14/08 $$ Indymac 3.25%
S 06/24/08 $$$ La Jolla Bank 3.20%
U 07/25/08 $$$$ State Bank of India 3.29%
D 07/27/08 $ Transportation Alliance Bank 3.00%
S 07/12/08 $$$ CountryWide 3.00%
D 06/03/08 $$$ Pacific Mercantile Bank 2.78%

6 Month
U 07/31/08 $ Ascencia Bank 4.01%
U 07/25/08 $$$ Corus Bank 3.81%
U 07/25/08 $ Nexity Bank 3.75%
U 07/27/08 $ GMAC Bank 3.75%
U 07/27/08 $$$ Virtual Bank 3.72%
U 07/14/08 $ Imperial Capital Bank 3.65%
N 07/14/08 $$ Indymac 3.65
S 07/27/08 $$$ E-LOAN 3.61%
U 07/08/08 $$$ Pacific Mercantile Bank 3.61%
U 07/12/08 $$ Giant Bank 3.56%
S 07/25/08 $$ State Bank of India 3.55%
U 07/15/08 $ AmTrust Direct 3.51%
D 03/13/08 $$$ FirstFedDirect 3.51%
D 04/09/08 $ Doral Bank Direct 3.50%
S 03/13/08 $ National Bank of Kansas City 3.50%
D 03/13/08 $$$ Affinity Bank 3.50%
S 03/13/08 $ Choice Bank 3.50%
U 03/13/08 $ 1st National Bank Arizona 3.50%
U 07/10/08 $ Umbrella Bank 3.50%
D 03/13/08 $$ Intervest Bank 3.48%
U 03/13/08 $$$$ Advanta Bank 3.43%
D 03/13/08 $$ Tennessee Commerce 3.40%
S 03/13/08 $ Centennial Bank 3.40%
U 03/13/08 $$$ Advanta Bank 3.40%
D 03/13/08 $$$$ Lehman Brothers Bank 3.302%
D 06/24/08 $$$ La Jolla Bank 3.30%
S 07/12/08 $$$ CountryWide 3.30%
U 06/23/08 $ ING Direct 3.30%
S 03/13/08 $ First Trade Union Bank 3.30%
S 03/13/08 $$ Element Financial 3.30%
S 07/27/08 $ Transportation Alliance Bank 3.25%
S 06/24/08 $ ebank 3.25%
D 07/27/08 $$ Discover Bank 3.25%
D 03/13/08 $ Bank of Canton 3.25%
D 05/15/08 $ Millennium Bank 3.21%
S 03/13/08 $ Presidential Bank 3.15%
S 03/13/08 $$$$ Sterns Bank 3.12%
D 03/13/08 $ EmigrantDirect 3.05%-Must have American Dream Savings Account
U 06/23/08 $ FNBO 3.01%
D 04/25/08 $ EverBank 2.91%
D 03/13/08 $$ UFB Direct 2.90%
D 03/13/08 $$ KeyDirect 2.85% - rates vary by location
D 03/13/08 $ State Farm Bank 2.80%
N 05/04/08 $ Pentagon Federal Credit Union 2.75%
D 03/13/08 $ Bank of Internet USA 2.70%
D 07/27/08 $$$ American Bank 2.60%
D 03/13/08 $ E*Trade Bank 2.57%
D 05/14/08 $ Patelco Credit Union 2.41%
D 03/13/08 $ Citbank 2.15%

9 Month
U 07/26/08 $$ Indymac 4.15%
N 07/10/08 $$ Bank United 4.00%
U 07/14/08 $ Imperial Capital Bank 4.00%
U 07/25/08 $ Nexity Bank 3.78%
U 07/27/08 $$$ Virtual Bank 3.77%
U 07/15/08 $ AmTrust Direct 3.76%
U 07/27/08 $ GMAC Bank 3.76%
S 07/27/08 $$$ E-LOAN 3.66%
U 07/12/08 $$ Giant Bank 3.61%
U 07/10/08 $ Umbrella Bank 3.60%
D 07/27/08 $$ Discover Bank 3.51%
S 07/12/08 $ Doral Bank Direct 3.50%
U 03/14/08 $$$$ Advanta Bank 3.41%
D 03/14/08 $$ Element Financial 3.40%
S 03/14/08 $ Centennial Bank 3.40%
U 06/23/08 $ ING Direct 3.30%
U 06/23/08 $ FNBO 3.25%
D 03/14/08 $$$ FirstFedDirect 3.20%
D 07/12/08 $ One United 3.00%
S 07/12/08 $$$ CountryWide 3.00%
D 04/25/08 $ EverBank 2.91%
D 03/14/08 $ Bank of Internet USA 2.70%
D 07/12/08 $ National Bank of Kansas City 2.55%
D 05/14/08 $ Patelco Credit Union 2.14%

1 Year
N 06/03/08 $ Patelco 7% - NEW members only, $1k Max
U 07/22/08 $$ Bank United 4.35%
U 07/24/08 $ AmTrust Direct 4.30%
U 07/25/08 $$$ Corus Bank 4.28%
N 06/23/08 $$ Wachovia 4.25% APY
N 07/19/08 $ WaMu 4.25% online only
U 07/31/08 $ Ascencia Bank 4.15%
N 07/14/08 $$ Indymac 4.15%
U 07/27/08 $$$ Virtual Bank 4.13%
U 07/25/08 $ Nexity Bank 4.07%
S 07/25/08 $$ State Bank of India 4.06%
U 07/15/08 $ Umbrella Bank 4.05%
S 07/27/08 $ GMAC Bank 4.05%
S 07/27/08 $$ Discover Bank 3.97%
U 07/08/08 $$$ Pacific Mercantile Bank 3.97%
U 07/14/08 $ Imperial Capital Bank 3.95%
S 07/27/08 $$$ E-LOAN 3.91%
U 07/27/08 $ Transportation Alliance Bank 3.95%
S 07/12/08 $$$ CountryWide 3.90%
S 07/05/08 $$$$ Alliant Credit Union 3.90%
U 07/12/08 $$ Giant Bank 3.81%
S 07/05/08 $ Alliant Credit Union 3.75%
S 07/12/08 $$$ Advanta Bank 3.60%
U 07/12/08 $ Patelco Credit Union 3.45%
S 07/12/08 $$ California First National Bank 3.51%
U 07/08/08 $$ Capital One Direct Banking 3.50%
D 06/24/08 $$$ La Jolla Bank 3.50%
S 03/12/08 $ Bank of Canton 3.50%
S 03/11/08 $ Choice Bank 3.50%
D 03/10/08 $$ Intervest Bank 3.50%
D 03/10/08 $$ Tennessee Commerce 3.45%
D 03/11/08 $$$ Element Financial 3.45%
U 06/24/08 $ ebank 3.40%
D 03/10/08 $$$$ Lehman Brothers Bank 3.3549%
U 06/23/08 $ FNBO 3.35%
D 03/10/08 $ 1st National Bank Arizona 3.35%
D 07/12/08 $ Centennial Bank 3.35%
U 06/23/08 $ ING Direct 3.30%
S 03/11/08 $ Presidential Bank 3.25%
D 03/10/08 $$$ FirstFedDirect 3.15%
D 07/12/08 $ Millennium Bank 3.10%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.04%
D 03/10/08 $$$ Affinity Bank 3.00%
D 04/25/08 $ EverBank 3.00%
S 03/11/08 $$$$ Sterns Bank 3.00%
D 05/01/08 $ Pentagon Federal Credit Union 2.99%
D 07/27/08 $$$ American Bank 2.95%
D 03/11/08 $ Bank of Internet USA 2.90%
D 03/10/08 $ State Farm Bank 2.85%
D 07/12/08 $ National Bank of Kansas City 2.80%
D 03/11/08 $ E*Trade Bank 2.57%
D 03/11/08 $$ UFB Direct 2.55%

18 Month (1.5 Year)
U 07/15/08 $ AmTrust Direct 4.35%
U 07/15/08 $ Umbrella Bank 4.25%
U 07/25/08 $$$ National City Bank 4.25%
N 07/04/08 $ OnBank 4.20%
U 07/27/08 $$$$ E-LOAN 4.20%
U 07/27/08 $ GMAC Bank 4.15%
U 07/27/08 $$$ E-LOAN 4.15%
S 07/27/08 $$ Discover Bank 4.13%
U 07/27/08 $$$ Virtual Bank 4.08%
U 07/08/08 $$$ Pacific Mercantile Bank 3.97%
N 07/14/08 $$ Indymac 3.90%
D 07/05/08 $$$$ Alliant Credit Union 3.90%
D 07/05/08 $ Alliant Credit Union 3.75%
D 03/12/08 $ Millennium Bank 3.75%
U 07/08/08 $$ Capital One Direct Banking 3.75%
U 03/12/08 $$ National Bank of Kansas City 3.66%
S 07/12/08 $$$ Advanta Bank 3.66%
D 07/14/08 $ Imperial Capital Bank 3.65%
U 06/23/08 $ FNBO 3.60%
D 03/12/08 $$ Intervest Bank 3.53%
S 03/12/08 $ Centennial Bank 3.51%
S 03/12/08 $ One United 3.50%
D 03/12/08 $$ Element Financial 3.50%
N 06/01/08 $$ NASA FCU 3.50%
D 03/12/08 $$ Tennessee Commerce 3.45%
D 03/12/08 $$$$ Lehman Brothers Bank 3.4066%
D 06/24/08 $ ebank 3.40%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.14%
D 03/12/08 $$$ Affinity Bank 3.0%
S 07/12/08 $$$ CountryWide 3.00%
D 07/27/08 $$$ American Bank 3.00%
D 03/12/08 $ ING Direct 3.0%
D 04/25/08 $ EverBank 3.00%
D 03/12/08 $ Bank of Internet USA 2.70%
S 05/14/08 $ Patelco Credit Union 2.53%
S 03/12/08 $ E*Trade Bank 2.47%

2 Year
U 07/25/08 $$$ National City Bank 4.75%
U 07/27/08 $$$$ E-LOAN 4.41%
U 07/27/08 $$ Discover Bank 4.35%
U 07/27/08 $$$ Virtual Bank 4.34%
U 07/27/08 $ GMAC Bank 4.32%
U 07/27/08 $$$ E-LOAN 4.31%
N 07/04/08 $ OnBank 4.30%
U 07/15/08 $ Umbrella Bank 4.30%
U 07/15/08 $ AmTrust Direct 4.25%
U 07/27/08 $ Transportation Alliance Bank 4.25%
D 07/25/08 $$ State Bank of India 4.22%
U 07/08/08 $$ Capital One Direct Banking 4.15%
U 07/05/08 $ Ascencia Bank 4.01%
D 03/11/08 $ Millennium Bank 4.00%
U 06/24/08 $ Umbrella Bank 4.00%
U 07/08/08 $$$ Pacific Mercantile Bank 3.97%
U 07/12/08 $$ Giant Bank 3.90%
S 07/05/08 $$$$ Alliant Credit Union 3.90%
D 03/12/08 $$$$ USA Federal Credit Union 3.87%
U 06/23/08 $ FNBO 3.85%
S 07/14/08 $ Imperial Capital Bank 3.80%
N 07/14/08 $$ Indymac 3.80%
U 07/05/08 $ Alliant Credit Union 3.75%
U 06/23/08 $ Nexity Bank 3.75%
U 07/12/08 $$ Advanta Bank 3.75%
D 06/24/08 $$$ La Jolla Bank 3.75%
U 03/12/08 $$$ National Bank of Kansas City 3.71%
D 03/12/08 $$ Intervest Bank 3.54%
U 04/18/08 $$ California First National Bank 3.51%
S 03/12/08 $ One United 3.50%
D 07/12/08 $$$ CountryWide 3.50%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.26%
D 03/12/08 $$$$ Lehman Brothers Bank 3.458%
D 03/10/08 $ 1st National Bank Arizona 3.45%
D 03/12/08 $$ Tennessee Commerce 3.45%
D 03/12/08 $$$ Affinity Bank 3.45%
D 06/24/08 $ ebank 3.40%
D 03/12/08 $ Bank of Canton 3.40%
S 07/27/08 $$$ American Bank 3.40% - 1 Rate Bump Up
D 03/11/08 $$ Element Financial 3.30%
N 05/01/08 $ Pentagon Federal Credit Union 3.25%
S 03/12/08 $ Choice Bank 3.25%
D 03/12/08 $ Presidential Bank 3.25%
S 03/12/08 $ Bank of Internet USA 3.20%
D 04/25/08 $ EverBank 3.10%
D 03/12/08 $ ING Direct 3.00%
D 05/14/08 $ Patelco Credit Union 2.84%
S 03/12/08 $$ UFB Direct 2.75%
D 03/12/08 $ State Farm Bank 2.75%
S 03/12/08 $ Centennial Bank 2.70%
S 03/12/08 $ E*Trade Bank 2.47%

30 Month (2.5 Year)
U 07/25/08 $$$ National City Bank 4.75%
U 07/27/08 $$ Discover Bank 4.44%
U 07/27/08 $$$ Virtual Bank 4.34%
U 07/15/08 $ Umbrella Bank 4.30%
U 07/15/08 $ AmTrust Direct 4.25%
U 07/08/08 $$ Capital One Direct Banking 4.15%
S 07/05/08 $ Ascencia Bank 3.97%
U 07/12/08 $$ Advanta Bank 3.80%
D 02/04/08 $ National Bank of Kansas City 3.60%
D 02/14/08 $$ Intervest Bank 3.69%
D 02/04/08 $$ Element Financial 3.65%
D 02/04/08 $$$ Affinity Bank 3.50%
D 03/10/08 $ 1st National Bank Arizona 3.45%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.45%
D 06/24/08 $ ebank 3.40%
D 03/05/08 $ ING Direct 3.25%
D 04/25/08 $ EverBank 3.25%
U 02/29/08 $ Bank of Internet USA 3.20%
S 07/12/08 $$$ CountryWide 3.00%
D 05/14/08 $ Patelco Credit Union 2.84%
S 02/04/08 $ E*Trade Bank 2.47%

3 Year
U 07/25/08 $$$ National City Bank 4.75%
S 07/27/08 $$$$ E-LOAN 4.70%
N 07/04/08 $ OnBank 4.70%
D 07/25/08 $$ State Bank of India 4.68%
S 07/27/08 $$ Discover Bank 4.60%
U 07/27/08 $$$ E-LOAN 4.55%
U 07/27/08 $ GMAC Bank 4.55%
U 07/27/08 $ Transportation Alliance Bank 4.45%
U 07/27/08 $$$ Virtual Bank 4.34%
U 07/15/08 $ AmTrust Direct 4.25%
U 07/08/08 $$ Capital One Direct Banking 4.25%
D 07/15/08 $ Umbrella Bank 4.30%
D 06/24/08 $$$ La Jolla Bank 4.10%
D 02/07/08 $$$$ USA Federal Credit Union 4.03%
U 05/01/08 $ Pentagon Federal Credit Union 4.01%
D 02/08/08 $ Millennium Bank 4.00%
U 07/12/08 $$ Giant Bank 4.00%
S 07/05/08 $ Ascencia Bank 3.97%
U 07/08/08 $$$ Pacific Mercantile Bank 3.97%
N 07/14/08 $$ Indymac 3.95%
S 07/14/08 $ Imperial Capital Bank 3.90%
D 02/07/08 $ National Bank of Kansas City 3.85%
U 07/12/08 $$ Advanta Bank 3.85%
D 02/08/08 $$$$ Lehman Brothers Bank 3.7172%
D 02/14/08 $$ Intervest Bank 3.71%
D 02/07/08 $$ Element Financial 3.70%
D 02/07/08 $$ Tennessee Commerce 3.65%
U 07/27/08 $$$ American Bank 3.65% - Rate Bump Up
U 04/18/08 $$ California First National Bank 3.60%
U 02/29/08 $ Bank of Internet USA 3.55%
D 02/07/08 $$$ Affinity Bank 3.50%
D 07/12/08 $$$ CountryWide 3.70%
N 03/05/08 $ One United 3.50%
D 03/10/08 $ 1st National Bank Arizona 3.45%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.45%
D 03/12/08 $ Bank of Canton 3.40%
D 06/24/08 $ ebank 3.40%
D 03/05/08 $ ING Direct 3.25%
D 04/25/08 $ EverBank 3.25%
D 02/07/08 $ Choice Bank 3.25%
D 05/14/08 $ Patelco Credit Union 3.20%
D 02/07/08 $ State Farm Bank 3.05%
D 02/07/08 $ Allied First Bank 3.00%
D 02/07/08 $$ UFB Direct 3.00%
D 02/07/08 $ Centennial Bank 2.70%
S 02/07/08 $ E*Trade Bank 2.47%

4 Year
U 07/25/08 $$$ National City Bank 5.25%
S 07/27/08 $$$$ E-LOAN 4.95%
U 07/27/08 $$$ Virtual Bank 4.34%
N 07/04/08 $ OnBank 4.90%
S 07/27/08 $$ Discover Bank 4.81%
S 07/27/08 $$$ E-LOAN 4.80%
U 07/27/08 $ Transportation Alliance Bank 4.75%
D 07/08/08 $$ Capital One Direct Banking 4.75%
U 07/27/08 $ GMAC Bank 4.75%
S 02/08/08 $ Millennium Bank 4.50%
D 02/07/08 $$$$ USA Federal Credit Union 4.07%
U 05/01/08 $ Pentagon Federal Credit Union 4.01%
U 07/12/08 $$ Advanta Bank 4.00%
D 02/07/08 $$ KeyDirect 4.00% - rates & availability VARY by location
D 07/12/08 $$$ CountryWide 3.95%
D 02/08/08 $$$$ Lehman Brothers Bank 3.9249%
D 02/07/08 $$ Element Financial 3.90%
D 02/07/08 $ National Bank of Kansas City 3.85%
U 02/29/08 $ Bank of Internet USA 3.80%
D 02/14/08 $$ Intervest Bank 3.75%
D 07/27/08 $$$ American Bank 3.75% - 2 Rate Bump Ups
D 02/07/08 $$ Tennessee Commerce 3.65%
D 07/05/08 $ Fort Belvoir Federal Credit Union 3.56%
U 07/05/08 $ Umbrella Bank 3.50%
D 05/14/08 $ Patelco Credit Union 3.45%
D 03/10/08 $ 1st National Bank Arizona 3.45%
D 06/24/08 $ ebank 3.40%
D 04/25/08 $ EverBank 3.38%
D 03/05/08 $ ING Direct 3.25%
D 02/07/08 $ Choice Bank 3.25%
D 02/07/08 $ State Farm Bank 3.20%
D 02/07/08 $ Allied First Bank 3.15%
D 02/07/08 $ Centennial Bank 2.80%
S 02/07/08 $ E*Trade Bank 2.47%

5 Year
U 07/05/08 $$$$ E-LOAN 5.25%
N 07/04/08 $ OnBank 5.15%
S 07/27/08 $$ Discover Bank 5.12%
U 07/27/08 $$$ E-LOAN 5.10%
D 07/25/08 $$ State Bank of India 5.09%
U 07/27/08 $ GMAC Bank 5.05%
U 07/27/08 $ Transportation Alliance Bank 5.00%
U 07/08/08 $$ Capital One Direct Banking 5.00%
N 05/30/08 $$ Wachovia 4.75%
U 06/01/08 $ Pentagon Federal Credit Union 4.60%
U 07/27/08 $$$ Virtual Bank 4.60%
D 06/24/08 $$$ La Jolla Bank 4.45%
U 07/15/08 $ AmTrust Direct 4.25%
U 07/12/08 $$ Advanta Bank 4.25%
D 07/14/08 $ Imperial Capital Bank 4.15%
U 07/12/08 $$ Giant Bank 4.10%
U 06/05/08 $$$ National Bank of Kansas City 4.00%
U 07/08/08 $$$ Pacific Mercantile Bank 3.97%
S 07/05/08 $ Ascencia Bank 3.97%
D 07/12/08 $$$ CountryWide 3.95%
D 02/14/08 $$ Intervest Bank 3.85%
D 05/14/08 $ Patelco Credit Union 3.71%
D 02/07/08 $$ Tennessee Commerce 3.65%
U 07/05/08 $ Umbrella Bank 3.50%
N 02/07/08 $$ Mutual Bank 3.50%
D 02/07/08 $$$ Affinity Bank 3.50%
D 03/10/08 $ 1st National Bank Arizona 3.45%
D 02/07/08 $$ UFB Direct 3.40%
D 06/24/08 $ ebank 3.40%
D 04/25/08 $ EverBank 3.38%
D 02/07/08 $ Presidential Bank 3.35%
D 02/07/08 $ State Farm Bank 3.30%
D 07/12/08 $ Allied First Bank 3.25%
D 02/07/08 $ Choice Bank 3.25%
S 02/09/08 $ AmTrust Direct 2.99%
D 02/07/08 $ Centennial Bank 2.90%
S 02/07/08 $ E*Trade Bank 2.71%

Odd Terms

1-5 Month
S 07/27/08 $ 1 Month Umbrella Bank 2.30%
S 07/27/08 $ 2 Month Umbrella Bank 2.50%

7-11 Month
N 07/18/08 $$ 7 Month Bank of America 4.11%
N 07/18/08 $$$ 7 Month Countrywide 4.10%
S 07/27/08 $$ 7 Month Wachovia 4.0%
D 02/04/08 $$ 7 Month KeyDirect 3.25% - rates & availability VARY by location
N 07/19/08 $ 8-month WaMu 4.25% online only
D 02/04/08 $ 8 Month Choice Bank 3.50%

13 Month
N 07/14/08 $$ 13 month Indymac 3.80%
D 02/07/08 $ 13 Month First Trade Union Bank 3.40%
N 06/23/08 $ 15 Month Century Bank Direct 3.30%
D 02/07/08 $ 15 Month E*Trade Bank 2.47%
N 06/23/08 $ 20 Month Century Bank Direct 3.75%
N 07/02/08 $ 25 Month US Bank 4.00%
D 02/07/08 $$ 27 Month Washington Business Bank 3.30%
D 02/07/08 $$$ 42 Month Advanta Bank 3.35%
N 07/02/08 $ 45 Month US Bank 4.75%
N 06/01/08 $$$$ 55-Month NASA FCU 5.0%
N 07/02/08 $ 59 Month US Bank 5.0%
U 02/07/08 $$ 6 Year KeyDirect 4.50% - rates & availability VARY by location

U 07/23/08 $$ 7 Year Capital One Direct Banking 5.40%
U 02/07/08 $$ 7 Year KeyDirect 5.00% - rates & availability VARY by location
U 07/08/08 $ 7 Year Pentagon Federal Credit Union 4.60%
S 05/15/08 $$$ 7 Year CountryWide 3.00%

U 07/23/08 $$ 10 Year Capital One Direct Banking 5.40%
U 02/07/08 $$ 10 Year KeyDirect 5.00% - rates & availability VARY by location
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