Searching for 9 Month CD Rates.  Stop hunting now. 

Good 9 month CD Rates are actually hard to find. The 9-month term is considered an odd term Certificates and not many banks or credit unions offer it.  frequently, those that do, have a lower 9-month rate than the 6-month.

However, here are a couple hot rates that I tracked down.

Ally Bank — 1.55% APY (and they don’t have any annoying small print or disclaimers or so they claim).  2-star Rating.

Discover Bank — 1.50% APY (Yes, this is the bank for the Discover Credit Card). 3-stars.

Christian Community Credit Union — 2.25% APY (Nice!  They call it the Kingdom Builder Certificate, I like it.)  3-stars.  But, please note.  They are not federally insured by the NCUA.  They carry private ASI insurance.

Umbrella Bank — 1.85% APY.  1-star.  They may need an Umbrella.  Looks like a storm is coming their way.

So that is a pretty good round-up.  I would probably skip Umbrella Bank.  Before investing in Christian Community do some research on ASI.  Your fund’s protection is based on the insurance company’s health.  They might also have restrictions on membership such as having to be a Christian.

For ease, Ally Bank and Discover are probably the best bets, but keep in mind that on-line set-ups usually require you to answer a set of questions that only you should know.  I’ve read some horror stories lately, where the information the banks were working from was incorrect. 

9 month CD yields may be the smart way to go.  There is just no way to know when the Fed is going to raise interest rates.

Let me know if you find some good CD deals.

Check-out CD Rates MA or Jumbo CD Rates