The average rate for the best national CD rates with a five year term were unchanged for the week ending April 24.  The top 10 best national CD rates with this term ended the week with an interest rate of 3.51%.  State Bank of India remained on top with the best five year CD rate of 3.80%.  State Bank of India is chartered as a U.S. branch of a foreign Institution and is FDIC insured.  Intervest National Bank with bank branches in New York and Florida also remained in second position with a five year CD at 3.66%.  iGOBanking is 5 basis points back of this interest rate with a five year CD rate of 3.61%.  In number four position is Discover Bank with a five year CD that yields 3.60%.  Both iGOBanking and Discover Bank are Internet only banks without bank branch locations.  UmbrellaBank.com and Nationwide Bank round out the top 10 list with CD rates at 3.30%.  UmbrellaBank.com is the Internet banking division of New South Federal Savings Bank.  Nationwide Bank is a federally chartered, FDIC-insured savings bank and an affiliate of Nationwide, one of the largest insurance providers in the world.

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