Bankrate.com surveyed 10 banks across the country that offer CDs online and in their branches. The study was conducted on Feb. 5 by Bankrate researchers Mike Calderone, Deborah Carrick and Karen Harabin. Here are the results as of that day.

2008 CD study results Bank name Market of branch Bank of America Los Angeles HSBC Bank/HSBC Direct New York EverBank Jacksonville, Fla. Washington Mutual Bank San Francisco IndyMac Bank Los Angeles Emigrant Bank/Emigrant Direct New York Citibank/Citibank Direct New York Countrywide Bank Dallas AmTrust Bank/AmTrust Direct Cleveland Zions Bank Salt Lake City