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• CIT Bank 1 Year Achiever CD at 1.15%APY

  CIT Bank, an FDIC insured institution, is offering CD options. The CD options of CIT Bank includes the Achiever CD, low minimum term CD and Jumbo CD.

  The bank is one of the many banks that offer the highest certificate of deposit rates in New Jersey and New York area. You can choose a 1 year Achiever CD with a minimum deposit amount of $25,000 at 1.15%APY. With this, you have the option to increase your rate and add additional funds once during the CD term. In other words, you have a one time opportunity to bump up your CD rate and your deposit at any time during the term of your CD.

  The bank’s other CD option is a low minimum term CD wherein you can start with a minimum amount of $1,000. For a 1 year term CD, you will get CIT Bank CD rate of 1.13%APY, for a 2 year term CD 1.30%APY and for a 3 year term CD 1.54%APY.

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• Best Bank 12 month CD Rate for November 2011

  If you are serious about building your IRA CD or CD portfolio, you  may have been searching the net all the while only to find out your efforts are going to waste. Finding the best IRA CD rate or the best CD rate can be time consuming, unless you are loyal to your bank to which you will just accept any IRA CD rate or CD rate offer they may have.  However, if you are someone that will never settle for the second best, then you have come to the right place.  Check and compare with the best IRA CD rates for October 2011.

  For November 2011, the best IRA CD rate or the best CD rate comes from banks who offer online banking.

  Here are the banks that offer the best 12 month IRA CD rate or the best 12 month CD rate offer for November 2011:

  • MidFirst Direct High Yield Online CD at 1.10%APY. The rate applies to CDs opened online. The rate structure is fixed and interest is compounded daily. The bank requires $1,000 minimum amount to open, but note that there is a penalty for early withdrawal. MidFirst Direct also offers a 6 month high yield online CD at0.90%APY with $1,000 minimum requirement.

  • Ascencia, a division of PBI Bank, CD at 1.04%APY. $500 minimum is required to open. Interest for this CD is fixed and compounded monthly.

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• Wells Fargo IRA Rates November 2011

  Wells Fargo’s IRA rates are perhaps one of the most competitive IRA rates in the market today. However, Wells Fargo IRA rates depend largely on which state you reside.

  For example, if you reside in the District of Columbia, the IRA CD rate for a 26 month IRA CD special is higher than the IRA CD rate offered in Massachusetts. DC residents get to enjoy a much better IRA CD rates for a few of its IRA CD terms.

  Take a look at the bank’s current deposit rates for October 29, 2011 to November 4, 2011 offered in the District of Columbia:

  • 11 months – 0.15%APY
  • 26 months – 0.55%APY
  • 39 months – 0.90%APY
  • 58 months – 1.15%APY

  Compare these IRA CD special rates with the rates offered in Massachusetts below:

  • 11 months – 0.15%APY
  • 26 months – 0.40%APY
  • 35 months – 0.65%APY
  • 58 months – 1.15%APY

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