Highest Yield Among 5-year CDs At A National Average Of 0.81%

        Highest Yield Among 5-year CDs At A National Average Of 0.81%

TheStreet and RateWatch Report Top CD Rate Issuers

PR Newswire

NEW YORK, May 14, 2013

NEW YORK, May 14, 2013 /PRNewswire/ --RateWatch, a premier banking data and
analytics service owned by TheStreet, Inc. (NASDAQ: TST) reported today the
average 4- and 5-year CD rates dipped incrementally, while national averages
generally remained unchanged at record-low levels. Investors are discovering
the highest yield among 5-year CDs at a national average of 0.81% per year.
Nonetheless, that means investors would have that money locked-in as
economists and analysts expect rates to rise before 2018.

(Logo:http://photos.prnewswire.com/prnh/20130102/NY35868LOGO-b )

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A strong monthly U.S. jobs report and other positive economic data have led
economists to speculate that the Federal Reserve -- which sets the baseline
rate used by CDs -- may soon curb its stimulus programs. When the Fed decides
to curb its bond buying is a source of much speculation.

TheStreet's Economist, Joe Deaux, states "Investors in shorter-term CDs are
stuck with historically low yields though not being locked-into multi-year
rates would allow them to easily shift that money into higher yields if the
Fed does suddenly decide to raise rates."

NATIONAL AVERAGE RESULTS - $10K

             This week Last week
Money Market 0.11      0.11
1 month CD   0.06      0.06
3 month CD   0.09      0.09
6 month CD   0.15      0.15
1 year CD    0.24      0.24
2 year CD    0.38      0.38
3 year CD    0.51      0.51
4 year CD    0.63      0.64
5 year CD    0.81      0.82

TOP RATE ISSUERS - $10K
This is a list of issuers with top interest rates. The issuer's Financial
Strength Rating is  an independent, unbiased evaluation of quarterly
regulatory statements. Institutions are assigned a letter grade of A-E with
"A" representing the highest rating based on a review of many aspects of
financial safety including capitalization, asset quality, profitability and
liquidity. For more information, visit 
www.weissratings.com/help/what-our-ratings-mean.aspx. Information is believed
to be accurate, but not guaranteed.

                                             Financial Minimum
                                                                    APY
Money Market                                 Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Mercantil Commercebank, National Association
305-460-8701                                 C         10000        1.000
www.mercantilcb.com
Sallie Mae Bank
801-281-1423                                 A-        1            0.900
www.salliemaebank.com
Ally Bank
877-247-2559                                 B+        1            0.840
www.ally.com
                                             Financial Minimum
                                                                    APY
1 Month CD                                   Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Carter Bank & Trust
276-632-2901                                 C+        2500         0.500
www.carterbankandtrust.com
Beal Bank USA
702-598-3500                                 B-        1000         0.400
www.bealbankusa.com
Umbrellabank.com
866-862-7355                                 C         1000         0.400
www.umbrellabank.com
                                             Financial Minimum
                                                                    APY
3 Month CD                                   Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Beal Bank USA
702-598-3500                                 B-        1000         0.510
www.bealbankusa.com
Umbrellabank.com
866-862-7355                                 C         1000         0.510
www.umbrellabank.com
Beal Bank, SSB
469-467-5000                                 C         1000         0.510
www.bealbank.com
                                             Financial Minimum
                                                                    APY
6 Month CD                                   Strength  to Earn
                                                                     (%)
                                             Rating    Interest ($)
Doral Bank
212-584-6820                                 D-        500          1.000
www.doralbankny.com
CapitalSource Bank
888-433-4272                                 B         10000        0.800
www.capitalsourcebank.com
Beal Bank USA
702-598-3500                                 B-        1000         0.750
www.bealbankusa.com
                                             Financial Minimum
                                                                    APY
1 Year CD                                    Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Doral Bank
212-584-6820                                 D-        500          1.200
www.doralbankny.com
Beal Bank USA
786-347-3601                                 B-        1000         1.110
www.bealbankusa.com
CapitalSource Bank
888-433-4272                                 B         10000        1.010
www.capitalsourcebank.com
                                             Financial Minimum
                                                                    APY
2 Year CD                                    Strength  to Earn
                                                                     (%)
                                             Rating    Interest ($)
Doral Bank
212-584-6820                                 D-        500          1.450
www.doralbankny.com
VirtualBank
561-776-8860                                 C+        10000        1.160
www.virtualbank.com
Emigrant Bank
212-850-4521                                 C+        1000         1.150
www.emigrant.com
                                             Financial Minimum
                                                                    APY
3 Year CD                                    Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
First NBC Bank
504-671-3550                                 B-        10000        1.820
www.firstnbcbank.com
Doral Bank
212-584-6820                                 D-        500          1.550
www.doralbankny.com
Community Bank
800-239-9427                                 C         1000         1.450
www.dodcommunitybank.com
                                             Financial Minimum
                                                                    APY
4 Year CD                                    Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Institution for Savings In Newburyport
978-462-3106                                 B         1            2.000
www.institutionforsavings.com
Doral Bank
212-584-6820                                 D-        500          1.650
www.doralbankny.com
Emigrant Bank
212-850-4521                                 C+        1000         1.650
www.emigrant.com
                                             Financial Minimum
                                                                    APY
5 Year CD                                    Strength  to Earn
                                                                    (%)
                                             Rating    Interest ($)
Institution for Savings In Newburyport
978-462-3106                                 B         1            2.000
www.institutionforsavings.com
First NBC Bank
504-671-3550                                 B-        10000        1.970
www.firstnbcbank.com
Doral Bank
212-584-6820                                 D-        500          1.850
www.doralbankny.com

Financial Strength Rating: A=Excellent, B=Good, C=Fair, D=Weak, E=Very Weak

Plus sign "+" = top of range, Minus sign "-" = bottom of range



Data is surveyed weekly with averages calculated each Monday afternoon from
RateWatch's unbiased national interest rate survey of over 96,000 financial
institution locations across the United States.

About RateWatch
For over 20 years, RateWatch has been the premier provider of competitive
interest rate and product information to financial institutions across the
United States. Consistently providing top quality, highly relevant data
RateWatch maintains the largest database in the industry with deposit, loan,
and fee information monitoring over 96,000 locations.Rate surveys, product
comparisons, financial strength reporting, local/regional/national averages,
fee reporting, specialty reports and more are available. To learn more about
RateWatch, visit www.rate-watch.com. RateWatch is a division of TheStreet,
Inc.

About TheStreet
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company providing business and financial news, investing ideas and analysis to
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and all other changes in corporate control. To learn more, visit
www.thedeal.com.

Contact:
Erin Corcoran
TheStreet, Inc.
212-321-5566
erin.corcoran@thestreet.com

SOURCE TheStreet, Inc.

Website: http://www.rate-watch.com
 
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