Find the Best Rates on Long Term CDs

Typically, the longer the term of the certificate of deposit, the higher the rate. Rates for certificates of deposit (CDs) are set by the issuing bank and updated daily. Please note that CD rates are fixed for the term of the CD and that you may be penalized for withdrawing funds before your certificate of deposit matures. Bank CDs are FDIC-insured up to $250,000 per depositor. To find best rates on CDs with maturity of over one year, use our interactive table below to select specific term and amount.

Start Your Search: Change the term length and amount to see more CD rates.







Term Rate APY Min. To Earn APY Details

  • Rates as of Nov. 6th
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  • FDIC insured

  • 1.5 Yr.
    2 Yr.
    2.5 Yr.
  • 1.93%
    2.23%
    2.23%
  • 1.95%
    2.25%
    2.25%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.
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  • Rates as of Nov. 6th
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  • FDIC insured

  • 1.5 Yr.
    2 Yr.
    3 Yr.
  • 1.94%
    2.23%
    2.52%
  • 1.96%
    2.25%
    2.55%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!
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  • Rates as of Nov. 6th
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  • FDIC insured

TermRateAPYMin. To Earn APYDetails
10 year3.63%3.70%$2,500
5 year3.44%3.50%$500Internet Only
7 year3.39%3.45%$2,500
5 year3.34%3.40%$1,000Custom Term CD - Branch Rate
5 year3.39%$5,0005 years and above
10 year3.32%3.37%$2,500
5 year3.30%3.35%$2,500
5 year3.35%$500
8 year3.28%3.33%$2,500
7 year3.26%3.31%$2,500
5 year3.25%3.30%$1,000
5 year3.22%3.27%$2,500
6 year3.25%$500
6 year3.20%3.25%$10,000
5 year3.20%3.25%$500
5 year3.20%3.25%$500
5 year3.20%3.25%$10,000Online account
5 year3.20%3.25%$5,000Online Fixed Rate CD
5 year3.20%$100,000
5 year3.15%$500
5 year3.05%3.10%$1High-Yield CD
5 year3.05%3.10%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
5 year3.00%3.05%$1,000
5 year3.00%3.05%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
5 year3.00%3.04%$10,000from CentennialBank.com
5 year2.97%3.01%$2,000iCD
5 year2.96%3.00%$500Rate applys only to accounts opened online. To receive the premium rate, you must have a linked checking account in the Citigold Account Package, and the checking account must be your primary account.
59 month2.96%3.00%$1,000CD Rate Special - Services, rates and products vary by geographic location
5 year3.00%$10,000Chase CD Special - qualifying Chase personal checking accout required, rate may vary by location
5 year3.00%$500
50 month2.96%3.00%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
4 year2.96%3.00%$500
5 year2.96%3.00%$1,000
59 month3.00%3.00%$1,000Special CD - Rates may vary by location. Rates stated here are from the Chicago, IL area.
5 year2.92%2.96%$1,500Yield Pledge CD
4 year2.91%2.95%$5,000Non-jumbo CD
4 year2.91%2.95%$2,500
4 year2.91%2.95%$100,000Jumbo CD
5 year2.90%2.93%$5,000Located in Arizona
4 year2.90%$100,000
4 year2.86%2.90%$1,000
4 year2.86%2.90%$1,000Custom Term CD - Branch Rate
4 year2.85%2.89%$10,000eCD rates for online account only
5 year2.85%2.89%$10,000eCD rates for online account only
5 year2.81%2.85%$1,000
4 year2.85%$500
4 year2.81%2.85%$500
4 year2.76%2.80%$10,000
4 year2.75%2.79%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
5 year2.75%2.77%$1,000
4 year2.71%2.75%$500
5 year2.72%2.75%$500
3 year2.75%$500
50 month2.71%2.75%$500Regular CD, rates vary by geographic location
4 year2.71%2.75%$1High-Yield CD
3 year2.75%$500
3 year2.71%2.75%$500
3 year2.72%2.75%$1,000APY for balances up to $9,999
5 year2.72%2.75%$50,000
5 year2.72%2.75%$25,0005 Year Callable CD - 12 Month Rate Guarantee
59 month2.75%$25,000
4 year2.75%$500
5 year2.71%2.75%$1,000
5 year2.72%2.75%$10,00060 Month Relationship CD - Gold Star Checking Account Required
4 year2.71%2.75%$2,500
5 year2.72%2.75%$10,00060 Month Callable CD only - Promotional Rate, rate may vary by location
33 month2.70%2.73%$5,000Special CD
4 year2.70%2.73%$10,000from CentennialBank.com
4 year2.69%2.72%$5,000Located in Arizona
3 year2.67%2.71%$3,000
4 year2.70%2.70%$1,000Local funds only, contact retail offices in Ohio
4 year2.66%2.70%$1,000
5 year2.67%2.70%$2,500
4 year2.66%2.70%$5,000Online Fixed Rate CD
3 year2.65%2.68%$2,500
3 year2.62%2.65%$1,000
3 year2.63%$5,000
3 year2.57%2.60%$2,500
3 year2.57%2.60%$500
3 year2.52%2.55%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
3 year2.52%2.55%$1High-Yield CD
3 year2.50%2.53%$10,000eCD rates for online account only
3 year2.50%2.53%$10,000from CentennialBank.com
3 year2.50%2.53%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
4 year2.50%2.52%$1,000
3 year2.49%2.52%$2,000iCD
3 year2.48%2.51%$10,000
5 year2.50%$1,000MyWay CD Internet Special - 5 year term to 10 year term available
10 year2.47%2.50%$20,00010 Year Callable CD
3 year2.48%2.50%$100,000Jumbo CD
3 year2.48%2.50%$250
3 year2.47%2.50%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
4 year2.47%2.50%$2,500
3 year2.47%2.50%$1,000
42 month2.50%2.50%$1,000Special CD - Specials and rates may vary by location. Rates stated here are from the Chicago, IL area.
30 month2.47%2.50%$5,000
3 year2.47%2.49%$5,000Located in Arizona
3 year2.45%$100,000
3 year2.42%2.45%$10,000Online account
5 year2.37%2.40%$5,000Non-jumbo CD
10 year2.37%2.40%$5,000Non-jumbo CD
7 year2.37%2.40%$100,000Jumbo CD
5 year2.37%2.40%$100,000Jumbo CD
5 year2.38%2.40%$1,000
7 year2.37%2.40%$5,000Non-jumbo CD
10 year2.37%2.40%$100,000Jumbo CD
5 year2.37%2.40%$1,000
3 year2.40%$500
3 year2.40%$500
3 year2.32%2.35%$500
3 year2.33%2.35%$500
20 month2.35%$1,000Online CD Rate
5 year2.30%2.32%$2,500
3 year2.28%2.30%$2,500
2 year2.28%2.30%$10,000Online account
2 year2.27%2.30%$100,000Jumbo CD
2 year2.27%2.30%$5,000Non-jumbo CD
33 month2.29%$500Long-Term CD Special with Optimum Checking Account
2 year2.27%$5,000
4 year2.23%2.25%$1,500Yield Pledge CD
2 year2.23%2.25%$1,000
2 year2.23%2.25%$2,500
2 year2.23%2.25%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
2 year2.25%$25,000
2 year2.25%$100,000
5 year2.25%$25,000
2 year2.23%2.25%$100,000Jumbo CD
3 year2.23%2.25%$500Regular CD, rates vary by geographic location
30 month2.23%2.25%$1,500Yield Pledge CD
15 month2.25%$1,000Online CD Rate
4 year2.25%$25,000
3 year2.23%2.25%$1,000Term 36 to 47 months
3 year2.23%2.25%$1,500Yield Pledge CD
3 year2.23%2.25%$1,000Custom Term CD - Branch Rate
3 year2.23%2.25%$5,000Online Fixed Rate CD
3 year2.25%$25,000
3 year2.25%$500
2 year2.21%2.23%$2,000iCD
2 year2.21%$1,000
4 year2.18%2.20%$1,000
2 year2.20%$500
2 year2.18%2.20%$1High-Yield CD
2 year2.15%2.17%$2,500
2 year2.14%2.16%$10,000
2 year2.13%2.15%$25,000
2 year2.13%2.15%$500
2 year2.13%2.15%$1,000
18 month2.15%$25,000
30 month2.13%2.15%$500
4 year2.13%2.15%$1,000Term 48 to 59 months
2 year2.12%2.14%$10,000
5 year2.12%2.14%$10,000
3 year2.12%2.14%$10,000
5 year2.10%2.12%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
2 year2.09%2.11%$2,500Giant Personal CD
18 month2.08%2.10%$1,000
30 month2.10%$500
2 year2.08%2.10%$2,500
2 year2.08%2.10%$1,500Yield Pledge CD
2 year2.08%$10,000Internet CD
2 year2.05%$2,500Rate/APY may vary by location
5 year2.00%2.05%$1,000Regular CD - South Shore Massachusetts market area
2 year2.03%2.05%$2,500
13 month2.05%$5,000RateBuilder CD - New money only.
18 month2.03%2.05%$10,000Bump Rate CD Limited offer. For current rate and Bump Rate option must have mimimum of three withdrawals per statement cycle in a Triangle Interest Checking Account
2 year2.05%2.05%$1,000Local funds only, contact retail offices in Ohio
2 year2.00%2.02%$1,000Only available online
2 year2.00%2.02%$10,000from CentennialBank.com
2 year2.00%2.02%$10,000eCD rates for online account only
2 year2.00%2.02%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
31 month2.01%$2,500CD Special
3 year1.98%2.00%$100,000Jumbo CD
5 year2.00%$15,000
3 year2.00%$50,000
4 year1.99%2.00%$1,000
26 month1.98%2.00%$1,000CD Special - $99,000 maximum, automatically renewable to 24 months
4 year2.00%$10Online CD
31 month1.95%2.00%$500One time rate change option. Limited to local New York market area.
13 month2.00%$25,00013-23 month
3 year2.00%$15,000
4 year2.00%$15,000
3 year1.98%2.00%$25,0003 Year Callable CD - 6 Month Rate Guarantee
2 year1.98%2.00%$500
2 year1.98%2.00%$1,000Custom Term CD - Branch Rate
2 year1.98%2.00%$1,000Term 24 to 35 months
2 year2.00%$15,000
2 year1.98%2.00%$5,000Online Fixed Rate CD
2 year1.98%2.00%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
3 year1.98%2.00%$5,000Non-jumbo CD
16 month1.98%2.00%$1,000Internet CD limited Offer
18 month1.94%1.96%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
6 year1.93%1.95%$100,000
3 year1.93%1.95%$1,000
18 month1.93%1.95%$2,500
5 year1.95%$500
18 month1.92%1.94%$1High-Yield CD
2 year1.90%1.91%$1,000
25 month1.89%1.90%$25,000New money only, limited to local New York market area
3 year1.88%1.90%$5,000
18 month1.89%1.90%$25,00018 - 23 month term
5 year1.88%1.90%$100,000
18 month1.88%1.90%$500
5 year1.83%1.85%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
18 month1.85%$15,000
18 month1.83%1.85%$10,000
3 year1.85%$1,000Circle Gold Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT.
6 year1.79%1.81%$25,000
4 year1.80%1.81%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
3 year1.79%1.80%$1,000
2 year1.78%1.80%$1,000Available term 2 Year to <3 Year
4 year1.75%1.79%$1,000Regular CD - South Shore Massachusetts market area
2 year1.73%1.75%$500Regular CD, rates vary by geographic location
18 month1.75%$500
4 year1.74%1.75%$100,000
5 year1.74%1.75%$25,000
4 year1.75%$1
18 month1.75%$1,000
18 month1.75%$10,00018 Month Step-Up - one time option if rate goes up during term of CD you may step up to the new rate
17 month1.74%1.75%$1,000CD Special - $99,000 maximum, automatically renewable to 18 months
18 month1.74%1.75%$1,000
2 year1.74%1.75%$1,000
18 month1.69%1.70%$1,500Yield Pledge CD
18 month1.69%1.70%$1,000Custom Term CD - Branch Rate
2 year1.69%1.70%$5,000
18 month1.69%1.70%$5,000Online Special
4 year1.70%$500Online Banking
6 year1.70%$500Online Banking
2 year1.69%1.70%$1,000
5 year1.70%$500Online Banking
18 month1.65%1.66%$1,000
2 year1.63%1.66%$1,000Regular CD - South Shore Massachusetts market area
15 month1.60%1.61%$10,000CD Special
14 month1.60%1.61%$5,000Special CD
3 year1.60%$1,000Circle Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT.
2 year1.59%1.60%$1,000
4 year1.59%1.60%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
2 year1.56%$50,000
2 year1.50%$1
5 year1.49%1.50%$1,000
15 month1.47%1.50%$500Limited to local New York market area
30 month1.49%1.50%$5,000eCD - open online
2 year1.49%1.50%$500
2 year1.49%1.50%$500
18 month1.49%1.50%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
13 month1.49%1.50%$5,000
2 year1.50%$1,0002 plus year term - Limited to New York and Pennsylvania market area.
3 year1.50%$1
18 month1.44%1.45%$10,000Opt Up CD - Option to increase your rate one time after six months. Rate offered applies to accounts opened online. Rates stated are New York Consumer rates, contact Bank of America for rates in your area. Some products may not be available in all states.
42 month1.44%1.45%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
4 year1.39%1.40%$1,000
3 year1.35%$500Online Banking
18 month1.34%1.35%$500Limited to New York market area
3 year1.35%$1,000Standard CD - rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT
3 year1.34%1.35%$1,000
3 year1.34%1.35%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
2 year1.30%$10Online CD
30 month1.29%1.30%$25,000
4 year1.25%1.26%$1,000Must be opened online to get this rate.
2 year1.25%1.26%$1,000Must be opened online to get this rate.
30 month1.24%1.25%$5,000Non-jumbo CD
30 month1.24%1.25%$100,000Jumbo CD
2 year1.24%1.25%$100,000
18 month1.24%1.25%$500
13 month1.24%1.25%$1,000
18 month1.24%1.25%$1,000Regular CD
18 month1.24%1.25%$500Regular CD, rates vary by geographic location
18 month1.25%$10Online CD
3 year1.20%1.21%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
2 year1.20%$500Online Banking
2 year1.19%1.20%$25,000
18 month1.14%1.15%$100,000Jumbo CD
18 month1.14%1.15%$5,000Non-jumbo CD
2 year1.09%1.10%$1,000
2 year1.09%1.10%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500
5 year1.09%1.10%$1,000Fixed-Rate CD
18 month1.09%1.10%$100,000
18 month1.04%1.05%$25,000
4 year1.00%1.00%$1,000Fixed-Rate CD
2 year1.00%1.00%$1,000Fixed Rate CD only - rate may vary by location
18 month0.95%0.95%$1,000
15 month0.90%0.90%$2,500Key Tiered CD with Relationship Reward - you must maintain a Key Advantage, Key Privilege, or Key Privilege Select checking account. APY for balances up to $24,999.99. Rates may vary by location. Available in AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, WA
2 year0.85%0.85%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
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Best CD rates found by users like you

Have you been able to find even better CD rates than the ones displayed above? If yes, please share them with us and other MoneyRates users! Please include the details: the name of the bank, APY, term of the CD, when you opened the account, and whether the account can be opened online or only in the branch (if the latter, please include the location of the branch). Thank you!

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36 Responses to "Best CD rates found by users like you"

1steve smith says on October 14, 2009
(Quartz hill, CA)

I called Hanmi Bank northridge CA - there CD is 2.10 for a 6 to 12 month time line with a $90,000 + deposit

2Lucretia Coleman says on September 01, 2009
(Somerdale, NJ)

Td Bank Has great CD rates also 9 mth is 1.40% Minimum deposit $500 2 year is 1.50% minimum deposit $ 500 there 5 year is 4.00 % minimum deposit $ 1000.00. The best way to gain maximum interest potential is to go with a shorter term CD.

3james davis says on August 29, 2009
(LA, CA)

Yes, I found Delta Community Bank has a 1 Year CD @ 2.35%, which would be the highest rate on the list currently because Quantum Bank is only for Georgia customers. I found this rate online - do you think it is legit? thanks!

4Dave W says on August 25, 2009
(Hinsdale, IL)

Park National Bank. Any branch. (Chicago area) 12 month CD 2.20% APY. Minimum deposit 1,000.00. In person only. 8/25/09

5Dave W says on August 25, 2009
(Hinsdale, IL)

Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00.

6william ignatowski says on August 25, 2009
(chicago, IL)

2.20 % for 1 year Park National Bank

7Washington Federal Bank says on August 21, 2009
(Chicago, IL)

Washington Federal Bank for Savings has a 6 month CD special at 1.96% apy. $1,000 minimum to open. They have 2 offices 2869 S. Archer Ave 773-254-3422 and 1410 W. Taylor St. 312-455-2940. A branch visit is required to open the account. They have been around for 96 years and are rated a 5 star bank by Bauer Financial (www.bauerfinancial.com).

8Shel Ferdman says on August 15, 2009
(Los Angeles, CA)

Check out Citibank 60mo. CD Rate

9Nancy McIntyre says on August 13, 2009
(Camp Hill, PA)

Check Susquehanna Valley Federal Credit Union

10James Leonard says on August 12, 2009
(Placentia, CA)

Looking for the best 1 year CD for $25,000.

11royal anthony tyler says on August 10, 2009
(gaithersburg, MD)

My son is in college and I would like to have up to a 6yr plan to be able to pay his tuition plus room and board, still have some left over to do other things with for projects.

12Jack Brink says on August 03, 2009
(oregon city, OR)

Bank of the west

13Ann Mine says on July 25, 2009
(Roseville, CA)

Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com)

14Pamela Stratton says on July 17, 2009
(Arlington, VA)

2.65 APY at Washington First Bank in Great Falls, VA.

15Shelley Diamond says on July 14, 2009
(san francisco, CA)

Patelco Credit Union website says special promotional 1 year CD at 7% for "new members" but there was nothing listed about what criteria must be met to be a member so it sounds suspicious but that's the highest rate I've seen so I thought I would mention it....

16mary says on July 14, 2009
(Ashburn, VA)

3-month CD with First Fidelity Bank in Northern Virginia for 4.01%.

17Karen A says on July 10, 2009
(Pittsburgh, PA)

Be aware that the 4% churchextension.org CD is a note and not insured by the FDIC or any other government agency. Rates may change without notice.

18Pete Godbey says on July 07, 2009
(Beaufort, SC)

Check churchextension.org, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account.

19Judy S says on July 06, 2009
(Austin, TX)

Opened account at Allybank.com; CD rate 2.23%; APY 2.25; 1 yr CD, as of 7/6/09; online only; no min deposit; no checking or savings acct required.

20S T says on July 03, 2009
(Washington, DC)

Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09

21White Chocolate says on July 03, 2009
(, NJ)

Amboy Direct One Year CD Rate @ 2.35%

22Arnie says on July 02, 2009
(, )

www.broadwayfederalbank.com/ Managers Special CD Rates 24 months 3.00 APR 3.05 APY

23Barry says on June 30, 2009
(Somers, NY)

Hudson City Savings in upstate NY, Nj and Ct has 12Month cd @2.25%. No checking or anything required. Branch visit required. My son opened an account on Sat. and the employees are very helpful and friendly.

24Renee says on June 29, 2009
(Atlanta, GA)

American Trust Bank CD - 15month term $5,000

25Ross says on June 29, 2009
(East Lyme, CT)

Looking for rates up to 1 year, not longer.

26DONNA WIGHT says on June 28, 2009
(ft. thomas, KY)

highest interest rates for saving and cd rate

27Connie Mavity says on June 28, 2009
(St. Maries, ID)

Looking for highest cd rate in idaho banks.

28Erno Balogh says on June 27, 2009
(Westminster, MD)

Best ratea in local banks.

29David Rothman says on June 26, 2009
(Encino, CA)

U.S.Bank (formely Downey Savings) 4% five years Pentagon Federal Credit Union 4% five years.

30Ray says on June 25, 2009
(Mason Ohio 45040, OH)

What are the best rates as of 6/25/09

31John Stevenson says on June 22, 2009
(Sarasota, FL)

The Hanmi Bank online CD is available ONLY to California residents. It is better that this info be added to your advertisement on the Money-Rates webpage.

32Mary Klugh says on June 22, 2009
(Greenville, NC)

Looking for the best rate for a $10,000 for our condo owners association

33Everett Davidson says on June 21, 2009
(Prescott, AZ)

WHat are the best Rates for a FDIC insured CD in Arizona

34amy crist says on June 20, 2009
(pittsburgh, PA)

3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website

35Randy says on June 19, 2009
(Warner Robins, GA)

Robins Federal Credit Union is offering a 1 year CD Annual Percentage Yield is accurate as of June 18, 2009. Share Certificates & IRA Share Certificates Term Amounts Dividend Rate APY* 6 month $500 - $49,999.99 1.982% 2.000% 12 month $500 - $49,999.99 2.472% 2.500%

36Ronn says on June 18, 2009
(buford, GA)

Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here!

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