WAMU currently has a 5.00% APY rate on their 6 month online CDs, and a 4.50% APY rate on 5 year CDs. While this is a pretty high rate, WaMu also has a great deal on their 5.00% APY savings account that would allow you to get a high return on your CD while being able to withdraw whenever you want. The caveat, of course, is that the rate on the savings account can go down while the CD is locked.

Minimum balance on all CDs is $1,000, and are only available online. Opening in person will yield lower rates, so it’s probably a better idea to open a CD online.

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