Title: Today's Top CD Rates From FDIC-Insured Banks
Thursday, December 12, 2002
Savers' Scoreboard
Rates quoted are among the highest offered in the U.S.

Savings Money Markets
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
Juno Banking CtrIN 10:00 am
12/10/2002
  877-468-7265 $200 2.62 D=2.65
National InterBankIN 9:46 am
12/10/2002
 877-468- 7265 $2002.57  D=2.60
NetBank.comGA 9:45 am
12/12/2002
 888-256-6932  $1002.32  D=2.35
ZionsBank.comUT 10:01 am
12/11/2002
 888- 723-9719 $1000 2.25 D=2.28
CapitalOne.comVA 9:42 am
12/11/2002
 800-845-1797  $100002.25  D=2.27

3 Month Savings CDs
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
New South FederalAL 9:53 am
12/11/2002
 888-639- 7688 $50001.99  I=2.00
IndyMacBank.comCA 9:54 am
12/11/2002
  800-750-8521 $50001.73 D=1.75
Juno Banking CtrIN 9:59 am
12/10/2002
  877-468-7265 $500001.73 M=1.74
Advanta Bank CorpUT 10:08 am
12/11/2002
 800- 788-2632 $10000 1.59 D=1.60
Beal BankTX10:01 am
12/11/2002
 800-404-4494  $10001.54  I=1.55

6 Month Savings CDs
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
IndyMacBank.comCA 9:54 am
12/11/2002
  800-750-8521 $50002.08 D=2.10
NetBank.comGA 9:44 am
12/12/2002
 888-256-6932  $10002.08  D=2.10
Advanta Bank CorpUT 10:08 am
12/11/2002
 800- 788-2632 $10000 2.03 D=2.05
Ascencia BankKY 9:38 am
12/10/2002
 877-369-2265  $5002.03  M=2.05
DeepGreenBank.comOH 8:44 am
12/10/2002
  888-576-9238 $10001.98 D=2.00

1 Year Savings CDs
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
ING DirectDE 10:04 am
12/11/2002
 800-464- 3473 $12.80  Y=2.80
NetBank.comGA 9:44 am
12/12/2002
 888-256-6932  $10002.63  D=2.66
Advanta Bank CorpUT 10:08 am
12/11/2002
 800- 788-2632 $10000 2.52 D=2.55
Countrywide BankVA 9:22 am
12/12/2002
 800-239- 4355 $10002.42  D=2.45
IndyMacBank.comCA 9:54 am
12/11/2002
  800-750-8521 $50002.27 D=2.30

2 Year Savings CDs
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
ING DirectDE 10:04 am
12/11/2002
 800-464- 3473 $13.10  Y=3.10
Countrywide BankVA 9:22 am
12/12/2002
 800-239- 4355 $10002.96  D=3.00
Advanta Bank CorpUT 10:08 am
12/11/2002
 800- 788-2632 $10000 2.86 D=2.90
CapitalOne.comVA 9:37 am
12/11/2002
 800-845-1797  $100002.77  D=2.80
BankFirstCorp.comSD9:50 am
12/11/2002
 800-328-2411  $100002.71  D=2.75

5 Year Savings CDs
Institution StateLast Update
(Eastern Time)
PhoneMinimum
Deposit
Interest
Rate
Compound
Key
Annual
Percentage
Yield
CapitalOne.comVA 9:37 am
12/11/2002
 800-845-1797  $100004.31  D=4.40
NetBank.comGA 9:44 am
12/12/2002
 888-256-6932  $10004.31  D=4.40
ING DirectDE 10:04 am
12/11/2002
 800-464- 3473 $14.35  Y=4.35
Countrywide BankVA 9:22 am
12/12/2002
 800-239- 4355 $10004.02  D=4.10
BankFirstCorp.comSD9:50 am
12/11/2002
 800-328-2411  $100003.92  D=4.00

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