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	<title>Bankrate.com &#187; CD rates</title>
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	<link>http://www.bankrate.com/financing</link>
	<description>A Financial Blog</description>
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			<item>
		<title>A look at Yankee CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/a-look-at-yankee-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/a-look-at-yankee-cds/#comments</comments>
		<pubDate>Wed, 23 May 2012 18:41:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[foreign banks]]></category>
		<category><![CDATA[Yankee CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=13243</guid>
		<description><![CDATA[A Chilean bank announced this month that it will sell Yankee CDs from its New York branch. But what are they?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FDIC warns on structured CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/fdic-warns-on-structured-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/fdic-warns-on-structured-cds/#comments</comments>
		<pubDate>Mon, 21 May 2012 16:01:36 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[index CD]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[structured CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=13201</guid>
		<description><![CDATA[The FDIC wants you to know that structured CDs carry with them some potential risks traditional CDs don't share.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/fdic-warns-on-structured-cds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CDs won&#8217;t get you to retirement</title>
		<link>http://www.bankrate.com/financing/cd-rates/cds-wont-get-you-to-retirement/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cds-wont-get-you-to-retirement/#comments</comments>
		<pubDate>Wed, 16 May 2012 20:11:15 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD rate]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=13118</guid>
		<description><![CDATA[By investing in CDs, savers keep their principal safe -- but that won't get them to retirement.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cds-wont-get-you-to-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CD balances hit 30-year low</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-balances-hit-30-year-low/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-balances-hit-30-year-low/#comments</comments>
		<pubDate>Mon, 14 May 2012 21:13:40 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=13079</guid>
		<description><![CDATA[The amount of money in CD accounts is at its lowest point in more than 30 years.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-balances-hit-30-year-low/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Low rates frustrate savers</title>
		<link>http://www.bankrate.com/financing/cd-rates/low-rates-frustrate-savers/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/low-rates-frustrate-savers/#comments</comments>
		<pubDate>Wed, 09 May 2012 12:58:08 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12978</guid>
		<description><![CDATA[Savers are largely fed up with low CD rates. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Open a $1 million CD, get a Benz?</title>
		<link>http://www.bankrate.com/financing/cd-rates/open-a-1-million-cd-get-a-benz/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/open-a-1-million-cd-get-a-benz/#comments</comments>
		<pubDate>Mon, 07 May 2012 21:17:28 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[Safe & Sound]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12952</guid>
		<description><![CDATA[One Florida bank is offering CD investors a brand-new Mercedes for opening up a $1 million CD.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Forcing Grandma to finance Goldman</title>
		<link>http://www.bankrate.com/financing/cd-rates/forcing-grandma-to-finance-goldman/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/forcing-grandma-to-finance-goldman/#comments</comments>
		<pubDate>Wed, 02 May 2012 12:49:57 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[monetary policy]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12805</guid>
		<description><![CDATA[It's hard not to find the current savings situation irritating. Banks broke the financial system taking on excessive risk, got a bailout and can now pay dividends to shareholders but depositors are still paid nothing. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Help for retirees&#8217; CD yields?</title>
		<link>http://www.bankrate.com/financing/cd-rates/help-for-retirees-cd-yields/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/help-for-retirees-cd-yields/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 20:57:38 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[five-year CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12782</guid>
		<description><![CDATA[Are "death puts" a way to get long-term CD rates without locking heirs in?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed meets: CD rates stay low</title>
		<link>http://www.bankrate.com/financing/cd-rates/fed-meets-cd-rates-stay-low/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/fed-meets-cd-rates-stay-low/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 17:34:54 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[FOMC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12655</guid>
		<description><![CDATA[The group in charge of monetary policy at the Federal Reserve met this week for the third time this year.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/fed-meets-cd-rates-stay-low/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Banks reap benefits from low CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/banks-reap-benefits-from-low-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/banks-reap-benefits-from-low-cd-rates/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 16:41:06 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[IRA CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12589</guid>
		<description><![CDATA[The Fed is keeping rates low to benefit the wider economy, but there's another big beneficiary: banks. ]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/banks-reap-benefits-from-low-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Financial crisis did savers no favors</title>
		<link>http://www.bankrate.com/financing/cd-rates/financial-crisis-did-savers-no-favors/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/financial-crisis-did-savers-no-favors/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 20:28:28 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD investing]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12341</guid>
		<description><![CDATA[An expert says CD rates and the savers who depend on them were just another casualty of the Great Recession.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/financial-crisis-did-savers-no-favors/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Light at the end of the tunnel?</title>
		<link>http://www.bankrate.com/financing/cd-rates/light-at-the-end-of-the-tunnel/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/light-at-the-end-of-the-tunnel/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 13:30:39 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[long-term CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12222</guid>
		<description><![CDATA[A new report shows that long-term CD rates have risen slightly in a handful of states.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/light-at-the-end-of-the-tunnel/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CD rates tied to fate of economy</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-tied-to-fate-of-economy/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-tied-to-fate-of-economy/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 21:06:14 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[one-year CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12196</guid>
		<description><![CDATA[The factors banks use to set CD rates are complicated, but they all come back to one thing: the condition of the overall U.S. economy.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-tied-to-fate-of-economy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CD rates and compound interest</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-and-compound-interest/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-and-compound-interest/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 16:00:10 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[annual percentage yield]]></category>
		<category><![CDATA[APY]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12098</guid>
		<description><![CDATA[Annual percentage yield makes it easier for savers to compare CDs. The frequency of interest payments can impact APY. ]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-and-compound-interest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know CD penalty before signing up</title>
		<link>http://www.bankrate.com/financing/cd-rates/know-cd-penalty-before-signing-up/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/know-cd-penalty-before-signing-up/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 21:17:26 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD penalty]]></category>
		<category><![CDATA[early withdrawal penalty]]></category>
		<category><![CDATA[fees]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=12056</guid>
		<description><![CDATA[Make sure you know what a bank will charge to cash out a CD early. Some banks can take far more than current returns.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/know-cd-penalty-before-signing-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>High-yield checking beats CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/high-yield-checking-beats-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/high-yield-checking-beats-cds/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 16:54:20 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CD rate]]></category>
		<category><![CDATA[high-yield checking]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11963</guid>
		<description><![CDATA[High-yield checking accounts could be more rewarding to savers than CDs. ]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/high-yield-checking-beats-cds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy high-mpg car instead of CD?</title>
		<link>http://www.bankrate.com/financing/cd-rates/buy-high-mpg-car-instead-of-cd/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/buy-high-mpg-car-instead-of-cd/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 19:49:42 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD yields]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[savings accounts]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11921</guid>
		<description><![CDATA[One veteran financial columnist suggests readers would be better off buying a high-mileage car than a CD.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/buy-high-mpg-car-instead-of-cd/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Stay short for CD ladder</title>
		<link>http://www.bankrate.com/financing/cd-rates/stay-short-for-cd-ladder/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/stay-short-for-cd-ladder/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 20:32:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CD ladder]]></category>
		<category><![CDATA[certificate of deposit]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11851</guid>
		<description><![CDATA[Does anyone have a CD ladder at this point? As Claes Bell adroitly pointed out earlier this week, CDs aren't winning any popularity contests.
With yields as low as they are, have been and will continue to be, savers have headed for greener pastures in terms of yield or liquidity.
In more typical interest rate environments, CD]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/stay-short-for-cd-ladder/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>CD popularity nosedives</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-popularity-nosedives/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-popularity-nosedives/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 19:57:13 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[CD yields]]></category>
		<category><![CDATA[deposits]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11821</guid>
		<description><![CDATA[A new study shows record low CD rates and a shaky job market have pushed a lot investors out of CDs ...]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-popularity-nosedives/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The billionaire and a CD scam</title>
		<link>http://www.bankrate.com/financing/cd-rates/the-billionaire-and-a-cd-scam/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/the-billionaire-and-a-cd-scam/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 16:41:50 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CD scam]]></category>
		<category><![CDATA[certificate of deposit]]></category>
		<category><![CDATA[Ponzi scheme]]></category>
		<category><![CDATA[R. Allen Stanford]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11691</guid>
		<description><![CDATA[The saga of R. Allen Stanford and his certificate of deposit Ponzi scheme is coming to a close -- at least one part of it, anyway: the trial and conviction. On Tuesday, a Texas jury found Stanford guilty of 13 out of 14 criminal charges including mail fraud, wire fraud, obstruction of an SEC proceeding and]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD investors: Beware the fine print</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-investors-beware-the-fine-print/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-investors-beware-the-fine-print/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 19:03:12 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[credit union]]></category>
		<category><![CDATA[fees]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11663</guid>
		<description><![CDATA[CD investors often think of a CD's terms as being set in stone once they've been purchased, but that's not always the case. In the case of a bank or credit union failure, CD rates and terms can be amended, since one of the parties of the contract you signed is now officially gone to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-investors-beware-the-fine-print/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Best city for CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/best-city-for-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/best-city-for-cd-rates/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 20:07:31 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[cities]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11572</guid>
		<description><![CDATA[As you probably know, Bankrate tracks and compiles CD rates from around the country. The U.S. is a pretty big place with dozens of diverse markets; as a result CD rates are all over the map. (Ah, a CD rate joke.) Depending where you are, one-year CD rates can vary by as much as a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/best-city-for-cd-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Low CD rates fueling a stock rally?</title>
		<link>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-a-stock-rally/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-a-stock-rally/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 22:34:25 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[deposit rates]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11527</guid>
		<description><![CDATA[Is the current stock market rally being fueled by habitual CD investors finally getting fed up with low CD rates? That's exactly what one wealth manager wrote in a really interesting column for the Montgomery Advertiser this week. From John Norris, head of wealth management at Oakworth Capital Bank:
Investors want a higher rate of income]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-a-stock-rally/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>4 CD alternatives</title>
		<link>http://www.bankrate.com/financing/cd-rates/4-cd-alternatives/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/4-cd-alternatives/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 15:52:05 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[dividend-paying stocks]]></category>
		<category><![CDATA[high-yield bonds]]></category>
		<category><![CDATA[master limited partnerships]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11325</guid>
		<description><![CDATA[In these dark days of negative real yields, CDs make good place to park cash for a set period of time and that's about it.
Not to understate, CDs can be a very valuable resource when return of principal is more important than return on principal, thanks to the deposit insurance from the Federal Deposit Insurance]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/4-cd-alternatives/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why CDs aren&#8217;t selling in one chart</title>
		<link>http://www.bankrate.com/financing/cd-rates/why-cds-arent-selling-in-one-chart/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/why-cds-arent-selling-in-one-chart/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 21:56:39 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[lending]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11291</guid>
		<description><![CDATA[A few weeks ago, I wrote about the multi-decade low in U.S. CD balances. As you can see in the chart below, researched by our own Chris Persaud, there's little mystery to why that is. When the Federal Reserve lowers its key federal funds rate, CD rates dive. CD investors, in turn, refuse to roll]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/why-cds-arent-selling-in-one-chart/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Structured CDs under scrutiny</title>
		<link>http://www.bankrate.com/financing/cd-rates/structured-cds-under-scrutiny/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/structured-cds-under-scrutiny/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 17:31:09 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[derivatives]]></category>
		<category><![CDATA[structured CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11202</guid>
		<description><![CDATA[On Tuesday, Bloomberg.com reported that the Financial Industry Regulatory Authority, or FINRA, has turned the spotlight on derivative-linked CD products.
With no substantial yields to be found in conventional CDs and savings products, savers have looked high and low for safe investments with better returns. Unfortunately, there are no easy answers these days.
Enter the structured CD,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/structured-cds-under-scrutiny/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good news won&#8217;t budge Fed, CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/good-news-wont-budge-fed-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/good-news-wont-budge-fed-cd-rates/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:45:33 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD investing]]></category>
		<category><![CDATA[fed]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[inflation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11160</guid>
		<description><![CDATA[The drop in the national unemployment rate from 8.5 percent in December to 8.3 percent in January made big news nationwide, and seemed to a lot of folks to signify a solidified economic recovery. But if CD investors are hoping the stronger-than-expected employment report will cause the Fed to accelerate its timetable for a rate]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/good-news-wont-budge-fed-cd-rates/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>CDs add safety to 529 plans</title>
		<link>http://www.bankrate.com/financing/cd-rates/cds-add-safety-to-529-plans/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cds-add-safety-to-529-plans/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 17:49:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[529 plans]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11059</guid>
		<description><![CDATA[It's no surprise that the tremendous volatility in the stock market has scared investors away from stocks. According to the Investment Company Institute, the trade association for domestic investment companies, in 2011 investors fled equity funds in droves -- about $125 billion flowed out of stock mutual funds for the year.
For some investors, particularly those]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cds-add-safety-to-529-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are CDs becoming obsolete?</title>
		<link>http://www.bankrate.com/financing/cd-rates/are-cds-obsolete/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/are-cds-obsolete/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 21:27:58 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[CD yields]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11018</guid>
		<description><![CDATA[It's hard to overstate how grim things are in the CD market right now. CD balances hit a nearly three-decade low this week, falling to $750 billion, according to the Federal Reserve. That may seem like a lot, but the last time the total amount of money Americans held in "small-denomination time deposits," Fed-speak for]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/are-cds-obsolete/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Bad news for CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/bad-news-for-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/bad-news-for-cd-rates/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 18:15:30 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[federal funds rate]]></category>
		<category><![CDATA[FOMC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10898</guid>
		<description><![CDATA[Dashing the hopes of CD buyers everywhere, the rate-setting committee of the Federal Reserve -- the Federal Open Market Committee, FOMC, for short, -- convened this week and declared that economic conditions could warrant "exceptionally low levels for the federal funds rate at least through late 2014."
As a result, barring astonishing economic growth, CD rates]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/bad-news-for-cd-rates/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>CD rates took big fall in &#8216;11</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-took-big-fall-in-11/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-took-big-fall-in-11/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 16:44:53 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[loan growth]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10829</guid>
		<description><![CDATA[It's not just your imagination; 2011 was an abysmal year for CD rates. A new study shows yields on deposit products dropped 21 basis points. Rates for mid-term CDs, or CDs with maturities between one and three years, were hit particularly hard. From Dan Geller at Market Rates Insight:
Mid-term CDs, from one to three years, registered the second largest]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-took-big-fall-in-11/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>A tip to find CD deals</title>
		<link>http://www.bankrate.com/financing/cd-rates/a-tip-to-find-cd-deals/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/a-tip-to-find-cd-deals/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 21:20:56 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10611</guid>
		<description><![CDATA[Interest rates are most likely to stay low for a long time. The Fed has plainly stated that short-term interest rates won't go up until 2013 and there are some who are predicting that it could be even longer than that.
To find out what will happen to rates in the coming year, read Bankrate's interest]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/a-tip-to-find-cd-deals/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Higher LIBOR, better CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/higher-libor-better-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/higher-libor-better-cd-rates/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 20:51:02 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[European debt crisis]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10571</guid>
		<description><![CDATA[A credit freeze in Europe may mean higher CD rates for U.S. savers, according to a new report by Dan Geller of Market Rates Insight.
Geller argues that borrowing costs in the European Union could rise significantly, pushing the London Interbank Offered Rate, the primary benchmark for short-term lending rates in Europe, higher. That, in turn,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/higher-libor-better-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When will CD rates go up?</title>
		<link>http://www.bankrate.com/financing/cd-rates/when-will-cd-rates-go-up/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/when-will-cd-rates-go-up/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 22:12:49 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[fed funds rate]]></category>
		<category><![CDATA[Federal Open Market Committee]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10479</guid>
		<description><![CDATA[Yesterday the minutes from the most recent meeting of the Fed's rate setting committee, the Federal Open Market Committee were released. In them, it was revealed that the central bank will be unveiling a new way of communicating the individual member's thoughts about the path of interest rates.
While that will be illuminating for economy wonks,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/when-will-cd-rates-go-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 CD do&#8217;s and don&#8217;ts</title>
		<link>http://www.bankrate.com/financing/cd-rates/5-cd-dos-and-donts/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/5-cd-dos-and-donts/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 22:25:33 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10238</guid>
		<description><![CDATA[As investments go, CDs are fairly easy to understand. In exchange for depositing your money for a set period of time, a bank will, in turn, pay you interest.
At the end of that time period, you can take your money and accrued interest and go on your merry way, or you can buy another CD]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/5-cd-dos-and-donts/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>SIPC vs. SEC over bogus CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/sipc-vs-sec-over-bogus-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/sipc-vs-sec-over-bogus-cds/#comments</comments>
		<pubDate>Wed, 14 Dec 2011 17:30:08 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Allen Stanford]]></category>
		<category><![CDATA[CD scams]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10102</guid>
		<description><![CDATA[CD scams are a dime-a-dozen, there is no shortage of scammers out there trying to take advantage of people. But wildly successful scams such as the one run by R. Allen Stanford are unusual -- he got away with it for years and operated right under the nose of regulators.
Stanford sold fake CD's in a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/sipc-vs-sec-over-bogus-cds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Structured CDs catch on</title>
		<link>http://www.bankrate.com/financing/cd-rates/structured-cds-catch-on/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/structured-cds-catch-on/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 22:15:30 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[Goldman Sachs]]></category>
		<category><![CDATA[index CDs]]></category>
		<category><![CDATA[structured CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10056</guid>
		<description><![CDATA[Where there's money, there's Goldman Sachs, so it's telling the investing giant is getting into the marked for structured CDs. Matt Robinson of Bloomberg reports that Goldman is creating a line of four different structured CDs to meet growing customer demand for a deposit product that can provide some hope of returns beyond today's rock-bottom]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/structured-cds-catch-on/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>CDs for savings goals</title>
		<link>http://www.bankrate.com/financing/cd-rates/cds-for-savings-goals/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cds-for-savings-goals/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 17:50:53 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9975</guid>
		<description><![CDATA[As everyone is well aware, CD rates are low and will be low for the near future which makes CDs less than ideal for long-term savings or income.
However, CDs are still excellent vehicles for accomplishing short-term savings goals. Not everyone grapples with self-control when it comes to money but the early withdrawal penalty on CDs]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cds-for-savings-goals/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When a CD becomes &#8216;unclaimed&#8217;</title>
		<link>http://www.bankrate.com/financing/cd-rates/when-a-cd-becomes-unclaimed/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/when-a-cd-becomes-unclaimed/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 21:56:53 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[unclaimed property]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9940</guid>
		<description><![CDATA[It's a little ironic that while many CD investors are leaving no stone unturned searching for higher CD rates, millions of dollars worth of CD balances are just sitting unclaimed at banks and in state coffers, waiting for their owners to show up.
It's easy for a CD to become unclaimed property. A CD owner can]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/when-a-cd-becomes-unclaimed/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>CD alternative disappearing</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-alternative-disappearing/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-alternative-disappearing/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 14:27:11 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[savings bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9808</guid>
		<description><![CDATA[CDs have been yielding next to nothing for years now and savers have left no stone unturned in the hunt for alternatives. One alternative, the paper savings bond, will be going away in January 2012. Thereafter, consumers will only be able to buy savings bonds online -- for the most part.
While the yields on savings]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-alternative-disappearing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD balances reach 17-year low</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-balances-reach-17-year-low/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-balances-reach-17-year-low/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 20:13:12 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9776</guid>
		<description><![CDATA[The amount of money held in CDs continued to dwindle this month to the lowest point since 1994, likely because of savers' reluctance to lock their money in at today's rock-bottom CD rates.
Overall, according to the Federal Reserve, CD accounts held $770 billion as of Nov. 14. Compare that to the $1.2 trillion in CDs]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-balances-reach-17-year-low/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>CD terms change if bank fails</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-terms-change-if-bank-fails/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-terms-change-if-bank-fails/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:37:48 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[bank failure]]></category>
		<category><![CDATA[CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9673</guid>
		<description><![CDATA[Though the number of annual bank failures has fallen since the height of the financial crisis, it's still all-too common to see banks going belly up. With the Federal Deposit Insurance Corporation on the case banks don't generally just collapse but instead the FDIC arranges to have another bank take over the failed bank's deposits.
Two]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-terms-change-if-bank-fails/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>CDs vs. stocks for retirement</title>
		<link>http://www.bankrate.com/financing/cd-rates/cds-vs-stocks-for-retirement/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cds-vs-stocks-for-retirement/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 17:33:23 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9556</guid>
		<description><![CDATA[A recent study by Wells Fargo peered into Americans' feelings about retirement and found that 68 percent of respondents are not confident that the stock market is the best place to invest their retirement savings. Nearly half say that they would prefer to invest in CDs instead of stocks and mutual funds for retirement.
From the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cds-vs-stocks-for-retirement/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Debit fees&#8217; death to hurt CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/debit-fees-death-to-hurt-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/debit-fees-death-to-hurt-cd-rates/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 17:43:37 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[certificate of deposit]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9519</guid>
		<description><![CDATA[Most consumers probably think of the death of debit card fees as an unadulterated good, but it may have some negative consequences for CD investors hoping to find decent CD rates at large national banks. Dan Geller of Market Rates Insight has a piece in BAI Banking Strategies this month arguing for reducing deposit rates]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/debit-fees-death-to-hurt-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Money funds pare down Euro CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/money-funds-pare-down-euro-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/money-funds-pare-down-euro-cds/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 16:37:52 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[money market funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9419</guid>
		<description><![CDATA[In the global economy, events on the other side of the world can have big impacts here at home. For instance, the European debt crisis has loomed over domestic money market funds since the beginning.
Most people in the United States aren't directly holding debt securities from the struggling European countries known as the PIIGS, otherwise]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/money-funds-pare-down-euro-cds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed admits it&#8217;s hurting CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/fed-admits-its-hurting-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/fed-admits-its-hurting-cd-rates/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 21:58:20 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9389</guid>
		<description><![CDATA[If you're annoyed about rock-bottom CD rates, take some comfort in the fact that Federal Reserve Chairman Ben Bernanke feels your pain. When asked about the issue by Bankrate contributor Katherine Lewis at a press conference last week, Bernanke acknowledged Federal Reserve policies, including Operation Twist, were pushing down yields on CDs:
We are quite aware]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/fed-admits-its-hurting-cd-rates/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Bank fees or lower CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/bank-fees-or-lower-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/bank-fees-or-lower-cd-rates/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 15:44:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9268</guid>
		<description><![CDATA[You may have heard recently that banks were planning to boost income by instituting monthly fees for debit cards.
In the face of public outrage banks backed off that proposal but they may have tipped their hand. One way or another, consumers will pay more for banking services in the future -- and that could come]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/bank-fees-or-lower-cd-rates/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Some banks push out CD investors</title>
		<link>http://www.bankrate.com/financing/cd-rates/some-banks-push-out-cd-investors/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/some-banks-push-out-cd-investors/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 20:51:46 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9237</guid>
		<description><![CDATA[Are banks so flush with cash they're literally turning CD investors and other depositors away? It looks that way, at least with some financial institutions.
I've been writing for a while now about how the combination of excess deposits and a lack of loan demand at U.S. banks have been depressing CD rates. Last week, Eric]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/some-banks-push-out-cd-investors/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Stocks and CD-like annuities</title>
		<link>http://www.bankrate.com/financing/cd-rates/stocks-and-cd-like-annuities/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/stocks-and-cd-like-annuities/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 16:15:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[dividend-paying stocks]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9147</guid>
		<description><![CDATA[This blog has been around for a while now but it began well after the Fed drastically lowered the federal funds rate in December 2008.
Here's a quick recap of the entire history of the CD rates blog: CD rates are low, what can you do?
A column in the Winston-Salem Journal, "With CD yields so low,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/stocks-and-cd-like-annuities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Low CD rates continue to hit seniors</title>
		<link>http://www.bankrate.com/financing/cd-rates/low-cd-rates-continue-to-hit-seniors/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/low-cd-rates-continue-to-hit-seniors/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 21:10:24 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD yields]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9104</guid>
		<description><![CDATA[These days, the safety of FDIC-insured CDs comes at a high premium. Donna Gehrke-White of the South Florida Sun-Sentinel had a troubling article last week on how low CD rates are impacting seniors. From the article:
Retiree Joan Siegel, 75, of Hallandale Beach, Fla., is afraid that piddling interest on the federally insured bank accounts she]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/low-cd-rates-continue-to-hit-seniors/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Buy a CD online or in person?</title>
		<link>http://www.bankrate.com/financing/cd-rates/buy-a-cd-online-or-in-person/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/buy-a-cd-online-or-in-person/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:30:38 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9010</guid>
		<description><![CDATA[Despite the ubiquity of e-commerce, some diehards still feel uncomfortable about online purchases or banking. But, the people that do go online for banking report higher levels of satisfaction than those that stick to the branch.
Back in May, a survey from ForSee results found that customer satisfaction with online banking had increased over 2010. Survey]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/buy-a-cd-online-or-in-person/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD rates a cause for protest</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-a-cause-for-protest/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-a-cause-for-protest/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 16:47:17 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Occupy Wall Street]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8886</guid>
		<description><![CDATA[So CD buyers may not actually be taking to the streets to protest low CD rates, but today's ultra-low yields are a product of the same series of debacles that have spawned the Occupy Wall Street protests, which began last month in New York.
There were a confluence of factors that contributed to the financial crisis.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-a-cause-for-protest/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>CD rates to decline</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-to-decline/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-to-decline/#comments</comments>
		<pubDate>Wed, 05 Oct 2011 16:39:41 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[operation twist]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8757</guid>
		<description><![CDATA[CD rates may have a little bit further to fall than I predicted in last week's blog post.
On Tuesday, Market Rates Insight, a pricing consultant for banks, released a report projecting interest rate decreases this month on term deposits of 36, 48 and 60 months.
According to the report, the five-year CD yield will dip 6]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-to-decline/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Pros and cons of IRA CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/pros-and-cons-of-ira-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/pros-and-cons-of-ira-cds/#comments</comments>
		<pubDate>Mon, 03 Oct 2011 21:19:09 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[IRA CD]]></category>
		<category><![CDATA[jumbo]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8716</guid>
		<description><![CDATA[The other day I saw a Web ad from a major bank urging me to get a great CD rate and protect my retirement by rolling over my IRA into an IRA CD. It got me wondering if a lot of folks are doing just that -- liquidating their stock portfolios and placing the proceeds]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/pros-and-cons-of-ira-cds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD rates process the Twist</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-process-the-twist/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-process-the-twist/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 16:30:37 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Federal Reserve Open Market Committee]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8623</guid>
		<description><![CDATA[I think the impact of Operation Twist is already reflected in CD rates. Here's why, with some background for those just tuning into the ongoing central bank saga.
Richard W. Fisher, president of the Federal Reserve Bank of Dallas and voting member of the Federal Open Market Committee, spoke on Tuesday before the Dallas Assembly to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-process-the-twist/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Low CD rates make penalties sting</title>
		<link>http://www.bankrate.com/financing/cd-rates/low-cd-rates-make-penalties-sting/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/low-cd-rates-make-penalties-sting/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 19:11:09 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8585</guid>
		<description><![CDATA[CD rates have lately fallen to levels so low they're giving CD investors sticker shock. The average yield now on a 1-year CD is now .39 percent, which will earn you a whopping $39 on a $10,000 CD. Rates that low undeniably hurt savers, but they also have a way of magnifying the pain of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/low-cd-rates-make-penalties-sting/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Worst CD rates in the country?</title>
		<link>http://www.bankrate.com/financing/cd-rates/worst-cd-rates-in-the-country/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/worst-cd-rates-in-the-country/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 20:43:28 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8491</guid>
		<description><![CDATA[Deposits at banks have reached record proportions due to fears of a second recession.
Unfortunately, many big banks don't want deposits, as the Los Angeles Times reported on September 17, in the story, "Bank deposits soar despite rock-bottom interest rates."
Among the subtle hints that banks prefer you keep your money anywhere but in their vaults, the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/worst-cd-rates-in-the-country/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Landlording could beat low CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/landlording-could-beat-low-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/landlording-could-beat-low-cd-rates/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 19:32:25 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD calculator]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8441</guid>
		<description><![CDATA[A few months ago, in an effort to help CD investors plagued by ridiculously low CD rates, my colleague Sheyna Steiner blogged about three alternatives: I bonds, high-yield checking accounts and dividend paying stocks.
I'll add one more: buying an investment property and becoming a landlord. I spent some time surfing around Zillow the other day,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/landlording-could-beat-low-cd-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inheriting CD can add to taxes</title>
		<link>http://www.bankrate.com/financing/cd-rates/inheriting-cd-can-add-to-taxes/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/inheriting-cd-can-add-to-taxes/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 15:22:04 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[inheritance]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8347</guid>
		<description><![CDATA[Inheriting a CD can cost you money. Though an inheritance is not generally subject to federal income tax, the interest earned on an inherited CD is. To avoid that, you can close the account and withdraw the funds but the bank may charge an early withdrawal penalty in that case.
The Web site for the Kansas City]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/inheriting-cd-can-add-to-taxes/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Report: CD rates to go negative</title>
		<link>http://www.bankrate.com/financing/cd-rates/report-cd-rates-to-go-negative/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/report-cd-rates-to-go-negative/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 19:13:18 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8324</guid>
		<description><![CDATA[It's bad enough that CD rates are, as my colleague Sheyna Steiner wrote a few weeks ago, approaching zero percent in a lot of cases. But could banks go past zero and actually end up charging CD investors to safeguard their cash?
I don't think the average CD investor has ever even considered the possibility that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/report-cd-rates-to-go-negative/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Con artists and CDs buyers</title>
		<link>http://www.bankrate.com/financing/cd-rates/con-artists-and-cds-buyers/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/con-artists-and-cds-buyers/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 05:00:43 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD scams]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8227</guid>
		<description><![CDATA[While most people would give complicated, arcane investments a wide berth, hardly anyone looks askance at the humble certificate of deposit -- which makes them tempting bait for scammers.
A recent local news story here in south Florida spoke with a victim of a notorious CD scammer, R. Allen Stanford. Stanford stole billions from investors in]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/con-artists-and-cds-buyers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Savers choose cash over CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/savers-choose-cash-over-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/savers-choose-cash-over-cds/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 20:14:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8117</guid>
		<description><![CDATA[A recent report from Market Rates Insight, a pricing consultant to financial institutions, revealed that savers abandoned CDs in favor of more liquid savings accounts in the first half of this year.
In the first six months of 2011, investments in CDs fell from $1,978 billion to $1,884, a difference of $94 billion.
At the same time,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/savers-choose-cash-over-cds/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Better CD rates with private banking</title>
		<link>http://www.bankrate.com/financing/cd-rates/better-cd-rates-with-private-banking/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/better-cd-rates-with-private-banking/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 21:02:10 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8073</guid>
		<description><![CDATA[One of the highest priorities for retail banks these days is cultivating a broad relationship with customers, especially customers of the well-heeled variety. To do that, they've established private banking services that offer personal service and sweetened rates on products ranging from investment management to mortgages.
If you're a CD investor fed up with low CD]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/better-cd-rates-with-private-banking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD rates higher at credit unions</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-higher-at-credit-unions/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-higher-at-credit-unions/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 16:24:33 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7966</guid>
		<description><![CDATA[I've said it here before and here it is again: in the hunt for yield, CD investors should consider credit unions.
Credit unions are generally thought to be more consumer-friendly than most big banks and a new survey from TheStreet confirms it. According to the July Credit Power Index, on the basis of national averages, CD]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-higher-at-credit-unions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 things CDs are still good for</title>
		<link>http://www.bankrate.com/financing/cd-rates/4-things-cds-are-still-good-for/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/4-things-cds-are-still-good-for/#comments</comments>
		<pubDate>Mon, 22 Aug 2011 20:24:16 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7930</guid>
		<description><![CDATA[It's looking ugly out there for people who depend on CDs as the primary drivers of their portfolios. Ultra-low CD rates have downgraded the usefulness of even laddered CDs as a long-term investment tool; many CD investors are stuck rolling over maturing CDs with decent rates from a few years ago into the record-low rate]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/4-things-cds-are-still-good-for/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Risk versus reward</title>
		<link>http://www.bankrate.com/financing/cd-rates/risk-versus-reward/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/risk-versus-reward/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 12:58:14 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[alternatives to cds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7832</guid>
		<description><![CDATA[Today's CD buyers are stuck between a rock and a hard place. FDIC-insured CDs are one of the safest investments around -- but they're also one of the lowest yielding.
After last week's crazy swings in the stock market, the trade-off between safety and yield could seem reasonable to some people. With much more economic uncertainty]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/risk-versus-reward/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed propping up CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/fed-propping-up-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/fed-propping-up-cd-rates/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 20:43:18 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[fed]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7790</guid>
		<description><![CDATA[It seems a lot of CD investors are annoyed with the Fed for keeping federal rates near zero for the better part of three years. They argue the Fed's loose monetary policy is keeping CD rates so low it's impossible to earn a decent return.
But one thing they might not realize is that in a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/fed-propping-up-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CD rates could near zero</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-could-near-zero/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-could-near-zero/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 18:25:39 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7684</guid>
		<description><![CDATA[The unprecedented rate announcement from the Federal Reserve's Open Market Committee on Tuesday was bad news for savers -- two more years, at least, of short-term interest rates close to zero percent.
Short-term interest rates as set by the Fed directly influence all manner of consumer loan and deposit products, from car loans to CD rates.
Unfortunately,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-could-near-zero/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Jittery market bad for CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/jittery-market-bad-for-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/jittery-market-bad-for-cd-rates/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 21:25:29 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7658</guid>
		<description><![CDATA[On a day when the Dow Jones Industrials are down more than 600 points, a lot of CD investors are probably letting out a sigh of relief they've got a chunk of money sitting on the sidelines. Unfortunately, the forces pushing stock markets deep into the red don't really bode well for future CD rates]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/jittery-market-bad-for-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should CD investors fear inflation?</title>
		<link>http://www.bankrate.com/financing/cd-rates/should-cd-investors-fear-inflation/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/should-cd-investors-fear-inflation/#comments</comments>
		<pubDate>Mon, 01 Aug 2011 18:37:39 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7523</guid>
		<description><![CDATA[I got an e-mail last week from a reader who had found a 5-year CD rate of 3 percent and was wondering if he should jump on it. He knew the rate was above market -- the highest 5-year CD rate I find on Bankrate's CD rate table is 2.4 percent -- but he was]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/should-cd-investors-fear-inflation/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>CDs safe in debt default?</title>
		<link>http://www.bankrate.com/financing/cd-rates/cds-safe-in-debt-default/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cds-safe-in-debt-default/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 21:02:32 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[debt ceiling]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7420</guid>
		<description><![CDATA[Nothing like the prospect of financial calamity to make today's paltry CD rates more palatable. While CD investors may not appreciate yields less than the inflation rate, they may be reveling in the risk-free aspect of CDs right now.
CDs are, of course, insured by the Federal Deposit Insurance Corporation for up to $250,000.
One question that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cds-safe-in-debt-default/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>CD incentives go negative</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-incentives-go-negative/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-incentives-go-negative/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 15:19:23 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7360</guid>
		<description><![CDATA[If you've noticed a lack of attractive special offers on CD rates, you're not imagining things. Market Rates Insight has a report out this month showing the APY premium -- the usually modest rate bonus banks offer new customers to keep new deposits rolling in -- has fallen so low in some cases it's actually]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-incentives-go-negative/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short-term bond funds vs. CDs</title>
		<link>http://www.bankrate.com/financing/cd-rates/short-term-bond-funds-vs-cds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/short-term-bond-funds-vs-cds/#comments</comments>
		<pubDate>Wed, 20 Jul 2011 14:47:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[bond funds]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7282</guid>
		<description><![CDATA[Savers just cannot catch a break in today's interest rate environment. According to Bankrate's archives, the average one-year CD has yielded under 1 percent since September 2009 -- and under 0.5 percent since December 2010.
After the erosion of purchasing power through inflation, savers are kind of paying banks to keep their money. But rather than]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/short-term-bond-funds-vs-cds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>3 CD alternatives</title>
		<link>http://www.bankrate.com/financing/cd-rates/3-cd-alternatives/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/3-cd-alternatives/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 17:07:06 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CD alternatives]]></category>
		<category><![CDATA[checking accounts]]></category>
		<category><![CDATA[I bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7144</guid>
		<description><![CDATA[Federal Reserve Chairman Ben Bernanke testified before Congress this week, reporting that the Fed is ready and willing to provide more stimulus to the economy if it's needed.
His fingers are crossed, however, that the economy will move past the transitory bumps that have slowed down growth this year.
Before Bernanke's testimony, a recent Bloomberg News survey]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/3-cd-alternatives/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Loan growth to help CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/loan-growth-to-help-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/loan-growth-to-help-cd-rates/#comments</comments>
		<pubDate>Mon, 11 Jul 2011 16:29:16 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7108</guid>
		<description><![CDATA[It seems like eons since CD rates were anywhere near normal, and investors have understandably been on the lookout for any sign that higher yields might be on the way.
Fortunately, some signs have been cropping up in the larger U.S. economy that the long CD yield drought maybe coming to an end. First, you have]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/loan-growth-to-help-cd-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making sense of CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/making-sense-of-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/making-sense-of-cd-rates/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 17:06:43 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7010</guid>
		<description><![CDATA[When it comes to evaluating CDs, the annual percentage yield is of paramount importance. In most cases, the APY is very easy to spot -- banks are required by law to display the annual percentage yield to help savers compare products.
APY takes into account both the nominal interest rate and compounding interest. The more frequently]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/making-sense-of-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Ladder CDs for better rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/ladder-cds-for-better-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/ladder-cds-for-better-rates/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 19:58:09 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6928</guid>
		<description><![CDATA[In order to find the best CD rates in today's environment, savers need to search nationwide and consider online banks. Bankrate has you covered when it comes to searching for the highest rates but your investing strategy can also boost yields over time, for instance, with a CD ladder.
A CD ladder stacks certificates of deposit]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/ladder-cds-for-better-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Stanford case shows foreign CD risk</title>
		<link>http://www.bankrate.com/financing/cd-rates/stanford-case-shows-foreign-cd-risk/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/stanford-case-shows-foreign-cd-risk/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 20:58:07 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[CD]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6840</guid>
		<description><![CDATA[Remember Allen Stanford, the billionaire financier who ended up seeing his financial empire fall among accusations of running one of the biggest Ponzi schemes in history? Unfortunately, two years after Stanford Financial Group collapsed, investors in Stanford's Antiguan CDs are still waiting to find out how -- and if -- they'll be compensated for their]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/stanford-case-shows-foreign-cd-risk/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>CD rates and the Fed</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-and-the-fed/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-and-the-fed/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 20:00:45 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6746</guid>
		<description><![CDATA[The Federal Open Market Committee met today for the fourth time this year. Unsurprisingly, rates were unchanged and that means continuing bad news for CD rates.
At the end of this month, the Fed's $600 billion bond-buying program known as QE2 will come to an end. But the Federal Reserve will continue their policy of reinvesting]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-and-the-fed/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Low CD rates fueling card paydown?</title>
		<link>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-card-paydown/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-card-paydown/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 19:27:29 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6704</guid>
		<description><![CDATA[CD rates, and deposit rates generally, are laughably low right now. Bankrate's latest numbers for one-year CD rates have the average at 0.44 percent, and the highest rate on Bankrate's one-year CD rate table is 1.31 percent. So it's no wonder that many who would normally be saving appear to be taking those extra dollars and]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/low-cd-rates-fueling-card-paydown/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Coda to a CD scam</title>
		<link>http://www.bankrate.com/financing/cd-rates/coda-to-a-cd-scam/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/coda-to-a-cd-scam/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 20:36:58 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[Allen Stanford]]></category>
		<category><![CDATA[CD scam]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6620</guid>
		<description><![CDATA[In 2009, Allen Stanford was arrested for running an $8 billion investment scam. He sold extremely high-yielding, yet fake, CDs to unwitting investors.
Naturally, many of those optimistic CD buyers ended up losing their shirts when the operation was busted.
On Wednesday, the Securities and Exchange Commission, or SEC, announced that some of those investors will be]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/coda-to-a-cd-scam/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t let local slump zap CD returns</title>
		<link>http://www.bankrate.com/financing/cd-rates/dont-let-local-slump-zap-cd-returns/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/dont-let-local-slump-zap-cd-returns/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 21:00:50 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6568</guid>
		<description><![CDATA[If you're still only shopping for CDs locally, you may be hurting yourself.
An analysis of Bankrate data by Alan Klein of American Banker last week shows that regional differences in CD rates can be significant:
The two markets bookend a spectrum of prices for one-year certificates of deposit available across 25 large metropolitan areas, with weekly]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/dont-let-local-slump-zap-cd-returns/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Rare incentive boosts CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/rare-incentive-boosts-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/rare-incentive-boosts-cd-rates/#comments</comments>
		<pubDate>Wed, 08 Jun 2011 17:56:04 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[Discover]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[savings accounts]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6470</guid>
		<description><![CDATA[In better days, incentives from banks or credit unions would have included generous rates on CDs or savings accounts, but these days generous is a relative term; the truly decent offers are few and far between.
One incentive that could, indirectly, boost the payoff from buying a CD targets big-box store members.
A recent press release from]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/rare-incentive-boosts-cd-rates/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Best CD rates don&#8217;t require big bucks</title>
		<link>http://www.bankrate.com/financing/cd-rates/best-cd-rates-dont-require-big-bucks/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/best-cd-rates-dont-require-big-bucks/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 16:54:36 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6420</guid>
		<description><![CDATA[People often assume that the bigger your deposit at a particular institution, the better you'll be treated by the bank in terms of CD rates. On average, CDs over $100,000 do get a slightly higher yield than smaller CDs, but as my colleague Sheyna Steiner noted in this space a few weeks ago, the difference]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/best-cd-rates-dont-require-big-bucks/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>CD rates are low, fees are not</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-rates-are-low-fees-are-not/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-rates-are-low-fees-are-not/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 20:42:41 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6342</guid>
		<description><![CDATA[A recent story on Boston.com, the website for The Boston Globe, highlighted the fee-grabbing changes recently implemented by the three biggest retail banks in Massachusetts.
At Bank of America, Citizens Bank and Sovereign Bank, early-withdrawal fees have increased in the past few months. Bank of America and Citizens Bank now charge flat fees for cashing in]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-rates-are-low-fees-are-not/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Savings flood undermines CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/savings-flood-undermines-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/savings-flood-undermines-cd-rates/#comments</comments>
		<pubDate>Tue, 31 May 2011 18:20:49 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[MMA]]></category>
		<category><![CDATA[money market account]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6304</guid>
		<description><![CDATA[Some more bad news on CD rates this week.
Despite the fact that global recession is supposed to be a few years behind us in the rearview mirror, with slow growth, inflation fears and sovereign debt crises popping up all over the place, uncertainty is everywhere. It's no surprise, then, that a new report from Market Rates]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/savings-flood-undermines-cd-rates/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>How much is safety worth?</title>
		<link>http://www.bankrate.com/financing/cd-rates/how-much-is-safety-worth/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/how-much-is-safety-worth/#comments</comments>
		<pubDate>Wed, 25 May 2011 20:28:08 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6200</guid>
		<description><![CDATA[The rate of inflation is outpacing the highest five-year CD rates. That means that savers are now losing purchasing power if they invest in CDs. At least, one might think, CDs get some rate of return, which makes them only slightly preferable to keeping your savings under the mattress.
Consider: The April reading of the Consumer Price Index]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/how-much-is-safety-worth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>4 percent rate on 6-month CD? Nope</title>
		<link>http://www.bankrate.com/financing/cd-rates/4-percent-rate-on-6-month-cd-nope/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/4-percent-rate-on-6-month-cd-nope/#comments</comments>
		<pubDate>Mon, 23 May 2011 12:00:54 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[6-month CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6114</guid>
		<description><![CDATA[In low-rate times like these, nothing gets CD investors' attention quite as quickly as an ultra-high CD rate. It's true that many legitimate institutions, including some on Bankrate's CD rate tables, offer CD rates significantly higher than the national average. But sometimes shady financial providers use eye-catchingly high CD rates to lure in investors, only]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/4-percent-rate-on-6-month-cd-nope/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Are jumbo CD rates worth it?</title>
		<link>http://www.bankrate.com/financing/cd-rates/are-jumbo-cd-rates-worth-it/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/are-jumbo-cd-rates-worth-it/#comments</comments>
		<pubDate>Wed, 18 May 2011 19:43:33 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[jumbo CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6050</guid>
		<description><![CDATA[If I had $100,000 in short-term savings, a jumbo CD is not necessarily where I would put it. These days, savers with jumbo savings are not being compensated for large deposits in CDs.
Typically financial institutions require about $100,000 to buy a jumbo CD and they offer slightly higher rates for the larger deposit.
As rates fell]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/are-jumbo-cd-rates-worth-it/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Debt drama could hit CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/debt-drama-could-hit-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/debt-drama-could-hit-cd-rates/#comments</comments>
		<pubDate>Mon, 16 May 2011 20:23:48 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[debt limit]]></category>
		<category><![CDATA[NIM]]></category>
		<category><![CDATA[Treasuries]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6008</guid>
		<description><![CDATA[There's a high-stakes game of chicken going on in Washington, D.C., over extending the debt ceiling, and CD rates could be just one more casualty if things go too far.
If you're just tuning in to the debt ceiling drama, the debt ceiling is the total amount of outstanding debt the federal government is allowed to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/debt-drama-could-hit-cd-rates/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		<title>Inflation kills CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/inflation-kills-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/inflation-kills-cd-rates/#comments</comments>
		<pubDate>Thu, 12 May 2011 13:40:29 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5944</guid>
		<description><![CDATA[The government measures the amount of inflation consumers experience with the consumer price index, or CPI. If prices are going up for many consumer goods and services, then inflation is likely rising.
The official method of measuring inflation has garnered quite a bit of criticism due to a couple of reasons. For one, the core CPI]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/inflation-kills-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>CD investors not safe from fee hikes</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-investors-not-safe-from-fee-hikes/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-investors-not-safe-from-fee-hikes/#comments</comments>
		<pubDate>Mon, 09 May 2011 16:23:19 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5881</guid>
		<description><![CDATA[By now, the nearly industry-wide rise in bank fees is well documented. Millions of checking account holders who had previously considered free checking a given are being asked to meet certain account criteria or pay a monthly account maintenance fee.
But less attention has been paid to rising fees for CD investors. David Lazarus of the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-investors-not-safe-from-fee-hikes/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Hunting for the best CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/hunting-for-the-best-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/hunting-for-the-best-cd-rates/#comments</comments>
		<pubDate>Wed, 04 May 2011 17:00:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5784</guid>
		<description><![CDATA[With short-term interest rates set to remain at nearly zero percent, the yield drought will drag on, much to the detriment of savers of all stripes. CD rates have been particularly hard hit; the average one-year CD has yielded less than 1 percent since September 2009.
There's not much for savers to do but wait for]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/hunting-for-the-best-cd-rates/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Which is better, CDs or I bonds?</title>
		<link>http://www.bankrate.com/financing/cd-rates/which-is-better-cds-or-i-bonds/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/which-is-better-cds-or-i-bonds/#comments</comments>
		<pubDate>Mon, 02 May 2011 21:21:27 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5756</guid>
		<description><![CDATA[Today, while writing a story about the new savings bond rates released by the Treasury, I got to wondering, with CD rates at such ridiculous lows, have savings bonds, particularly I bonds, surpassed them as a savings vehicle?
After all, both are backed by the full faith and credit of the U.S. government, and the new]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/which-is-better-cds-or-i-bonds/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>End of QE2 to raise CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/end-of-qe2-to-raise-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/end-of-qe2-to-raise-cd-rates/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 20:13:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5668</guid>
		<description><![CDATA[After today's Federal Open Market Committee meeting, Fed chairman Ben Bernanke reaffirmed the Fed's commitment to continuing the quantitative easing program, scheduled to purchase $600 billion worth of long-term Treasury securities through the end of June.
The question will be what happens when the Fed stops buying Treasuries?
The quantitative easing program was designed to put downward]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/end-of-qe2-to-raise-cd-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Slow loan growth hitting CD rates?</title>
		<link>http://www.bankrate.com/financing/cd-rates/slow-loan-growth-hitting-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/slow-loan-growth-hitting-cd-rates/#comments</comments>
		<pubDate>Mon, 25 Apr 2011 21:01:31 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5620</guid>
		<description><![CDATA[This month, banks are reporting their first-quarter earnings, and while many banks are reporting healthy profits, those hoping for higher CD rates in the near future should be worried about the persistent lack of loan growth across the industry. From Joe Rauch at Reuters:
Investors looking for loan growth and surging revenues at the biggest U.S.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/slow-loan-growth-hitting-cd-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask for a better CD rate?</title>
		<link>http://www.bankrate.com/financing/cd-rates/ask-for-a-better-cd-rate/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/ask-for-a-better-cd-rate/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 20:30:37 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5522</guid>
		<description><![CDATA[Ask for a better CD rate and you may receive one. It depends who you are, which bank you're asking -- and even whom you speak to at that bank. But if you're in the market for a CD, it can't hurt to ask. With CD rates scraping through the bottom of the barrel, savers need]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/ask-for-a-better-cd-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CD investors: Don&#8217;t expect Fed help</title>
		<link>http://www.bankrate.com/financing/cd-rates/cd-investors-dont-expect-fed-help/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/cd-investors-dont-expect-fed-help/#comments</comments>
		<pubDate>Mon, 18 Apr 2011 19:30:31 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5477</guid>
		<description><![CDATA[Short-term CD rates have been in the dumps since the Fed frantically cut its key federal funds rate to nearly zero to try and stop the economic free fall of late 2008.
Savers would probably love to see the Fed reverse that trend, but with unemployment over 9 percent and the recovery still pretty sluggish, the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/cd-investors-dont-expect-fed-help/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Credit unions win on CD rates</title>
		<link>http://www.bankrate.com/financing/cd-rates/credit-unions-win-on-cd-rates/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/credit-unions-win-on-cd-rates/#comments</comments>
		<pubDate>Wed, 13 Apr 2011 17:00:36 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[credit unions]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5337</guid>
		<description><![CDATA[CD rates are relatively bad no matter where you look, but you may find decent yields by bypassing the bank on the corner and heading to the credit union you may have overlooked.
In the 2011 credit union checking study, Claes Bell reported that many credit unions still offer free checking with no strings attached. Plus, the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/credit-unions-win-on-cd-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Liquid CDs best of rising-rate bunch</title>
		<link>http://www.bankrate.com/financing/cd-rates/liquid-cds-best-of-rising-rate-bunch/</link>
		<comments>http://www.bankrate.com/financing/cd-rates/liquid-cds-best-of-rising-rate-bunch/#comments</comments>
		<pubDate>Mon, 11 Apr 2011 19:39:11 +0000</pubDate>
		<dc:creator>Claes Bell</dc:creator>
				<category><![CDATA[CD rates]]></category>
		<category><![CDATA[best CD rates]]></category>
		<category><![CDATA[one-year CD rates]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5307</guid>
		<description><![CDATA[Our annual CD survey is out this week, and this year it focuses on rising-rate CDs, an unusual breed of time deposits that usually comes into play when CD rates are terrible, but looking to get better soon. As my colleague Sheyna Steiner pointed out in this space last week, CD rates have that first]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/cd-rates/liquid-cds-best-of-rising-rate-bunch/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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	</channel>
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