Huntington Bank offers many savings products for their customers and one of their best ones is the certificate of deposit. It is ideal for anyone looking to earn a higher rate of interest on a sum of money that will not be needed by them in the near future. This is an important criterion for choosing CDs as a form of investment because early withdrawal before the end of the term period will attract penalty. To avoid this, its a good idea to invest only the money that will not be required anytime soon. To make it easier for their customers, this bank offers a variety of CDs that come with differing interest rates and term periods.

The Huntington CD rates for the Easy Access CD account is 0.15% APY for all balances and the term period is fixed for 12 months. The Huntington Bank CD rates are 0.13% APY for the Stepped Rate CD option that comes with a fixed term of 24 months. The CD interest rates for the first six months is 0.05%, the second six months is 0.10%, the third six months is 0.15% and the final six months is 0.20% and this brings the average to the above-mentioned 0.13%. The CD rates at Huntington Bank for the 13 month Linked Rate CD is 0.60% APY while the Huntington Bank certificate of deposit rates for the 37 month linked rate CD is 0.75% APY respectively. For regular CDs, the rates are 0.01% APY for all balances with a term of one month or three months, 0.10% APY for a term of six months, 0.15% APY for a term of nine months and one year, 0.25% APY for a term of 18 months, 0.30% APY for a term of 24 months, 0.45% APY for a term of 36 months, 0.70% APY for a term of 48 months, 0.95% APY for a term of 60 months and 1.00% APY for a term of 72 months respectively.

Another bank that we here at CD Interest Rates Info haven’t had a look at before is Hanmi Bank. They caught our attention recently when they recruited Cleveland Indian player Choo Shin Soo as their spokesperson. This California bank has some of the best CD interest rates we’ve seen around.

Of interest are the Hanmi Bank CD rates offered for Internet CD accounts. For these accounts, CD rates at Hanmi are pretty great, starting at 0.55% annual percentage yield (APY) for a 3 month term. These Internet CD accounts require a $1,000 deposit to open and maintain without fees.

For a 6 month term, Hanmi Bank certificate of deposit rates are 0.95% APY – one of the highest in the nation right now. For 9 months it is 1.01% APY, one of the few today that is offering a rate over 1% for less than a year.

The real shining star in Hanmi CD rates is in the 12 month term which has a 1.11% APY and this rate is ONLY available online. This is one of the best CD interest rates nationally for this term.

As an incidental aside, while these CD rates at Hanmi are of interest, so are their Internet Savings accounts. Open one of those and you get 0.90% APY on deposits over 1 penny and up to $24,999.99 (the maximum allowed for this promotion). So if you have an interest in savings, that’s a good one.

Hanmi Bank is, of course, fully FDIC insured.

We haven’t looked at this popular credit union yet, but were very impressed with the high returns that Golden 1 Credit Union gives on certificates of dividend (the credit union version of certificates of deposit). They are showing some of the best CD interest rates we’ve seen lately.

Cd rates at Golden 1 begin in a 3 month term and go out to 60 months with annual percentage yields (APY) based on deposit amount.

On a 3 month term, Golden 1 Bank CD rates are 0.25% APY for deposits from $1,000 (minimum) up to $99,999.99. Jumbo ($100,000+) dividends give a 0.30% APY.

On a 6 month term, Golden 1 Bank certificate of deposit rates are 0.35% APY from a $1,000 to a $49,999.99 deposit. At $50,000 to $99,999.99 they are 0.40% APY and Jumbo rates are 0.45% APY.

For a 12 or 18 month term, Golden 1 CD rates are 0.55% APY for deposits of $1,000 to $9,999.99. $10,000 to $49,999.99 gets a 0.60% APY and from $50,000 to $99,999.99 the rate is 0.65% APY. Finally, at $100,000 or more, the best CD interest rates for this term are 0.70% APY.

At 24 months, the CD rates at Golden 1 are 1.00% APY for $1,000 to $9,999.99 in deposits. Going to $10,000 to $99,999.99 the rate is 1.05% APY and for $100,000 or more it’s 1.10% APY.

Golden Bank CD rates at 36 months climb to 1.45% APY for $1,000 to $99,999.99 in deposits and Jumbo rates at 1.50% APY.

They continue to keep interesting as Golden 1 CD rates at 48 months get to 1.90% APY for $1,000 to $99,999.99 in deposits. Going to $100,000 or more, they are 1.95% APY.

To top it all off, CD rates at Golden 1 for the 60 month term are at 2.25% APY from $1,000 to $99,999.99 and then go to 2.30% APY for Jumbo deposits.

You can agree that the rates here are pretty great and some of the best CD interest rates we’ve seen in a while. Golden 1 Credit Union is fully insured by the NCUA.

Here are the most recent updates for people of Virginia and Pennsylvania from CD Interest Rates Info.

As of April, 2011, the smallest amount that can be deposited into a Fulton CD is $1,000 dollars.

Fulton Bank certificates of deposit rates are in a tiered format and must be linked to a checking account at Fulton to receive the preferred rate. In order to receive the higher CD rates at Fulton, as listed, you must also have a total of $15,000 on deposit in one or more accounts at Fulton.

Present CD rates encompass the standard rates preceded by the relationship rates. The 3 month CD has an APY of .30% and the 5 month CD has an APY of .55%. You can earn .40% to .65% on the 6 month CD. For the 7 and 8 month CD they are bringing in .35% APY and .60% APY. If you are interested in the 9 to 11 month CD they are grossing .45% APY and .70% APY.

A longer term CD is the 12 month CD grossing .50% APY to .75%. You can earn .65% APY and .90% on the 13 to 15 month CD. For 18 – 22 month CD it will bring back .75% and 1.00% APY. For a longer term CD there is the two year CD which makes an APY of .80% to 1.05%. From two years to 29 months CD you will make .90% and .15% APY.

The largest earning CD’s are the 30 to 35 month making 1.00% APY to 1.25%APY. There is also the 36 month CD making 1.25% APY to 1.50% APY, or you can go with the four year CD that makes 1.50% to 1.75% APY. And lastly there is the 50 month CD that makes the highest rates with a 1.75% APY to 2.00% APY.

Fulton Bank is fully FDIC insured.

In our never ending quest to find the best CD interest rates, we here at CD Interest Rates Info look at all types of banks nationally. Today, we’re looking at one that is often overlooked and bringing you the latest in Frost Bank CD rates.

Frost CD rates come in various shapes according to term and deposit amount. We’ll start with the lower-amount terms ($1,000 minimum to $99,999). Terms for these start at 90 days with Frost Bank CD rates matching the length of the term.

For 90 days, rates are 0.15% annual percentage yield, for 180 days they are 0.25% APY and for 1 year they are 0.30% APY. For 18 months, they’re 0.50% APY and for 2 years they are 0.60% APY. These are good CD rates at Frost, but they are not necessarily nationally competitive.

For those with more to deposit, in Jumbo CD rates (starting at $100,000), Frost Bank certificate of deposit offers are a little better. For 14, 30, 60, or 90 days on the short term, they offer 0.15% APY. For 180 days, it’s 0.30% APY and for 1 year it’s 0.35% APY. 18 months gives 0.55% APY and 2 years gives 0.60% APY for these Jumbo rates.

These Jumbo CD rates at Frost are a little better, but not the best available. For those who’d rather use a closer-to-home, smaller bank with a good standing at the FDIC and full insurance, however, it might be a good choice.

These CD rates at Frost can change at any time. If they appeal to you, get your best CD interest rates today before they do.