Las Vegas CD Rates

You have always fantasized about winning a life-changing jackpot in Las Vegas. Just think about it, by hitting a slot with a pay off of $337,656 dollars you can pay off your mortgage and still have plenty left over for a retirement fund. Why not take matters into your own hands and start an investment portfolio including diversifying into accounts with high money market rates in Las Vegas.

Get Best Rates

We all fantasize about winning the big one and retiring. Why not work towards the retirement goal and bank on the best Las Vegas CD rates to help you out. Jackpot or not, life can be filled with rich experiences, as long as you prepare for them.

Current Las Vegas CD Rates News

 

Best Las Vegas CD Account Rates

Featured RateBank / Credit UnionAccount Type
1.80%
As of August 30, 2010

View Rate Details
Discover Bank
Discover Bank
CD Account
Highest Rates Recent Rate Changes
Best Rates (APY)Bank / Credit UnionAccount Type
1.01%
As of August 26, 2010
View Rate Details Beal Bank NevadaCD Account
1.00%
As of August 26, 2010
View Rate Details Meadows BankCD Account
0.90%
As of August 24, 2010
View Rate Details Community One Credit UnionCD Account
0.85%
As of August 25, 2010
View Rate Details Nevada State BankCD Account
0.75%
As of August 25, 2010
View Rate Details Citibank, National AssociationCD Account
Bank / Account TypeRate ChangeDate
 Citibank, National Association - 2 Year CD Account0.90% to 0.75%Aug 25, 2010
 Citibank, National Association - 12 Month CD Account0.70% to 0.60%Aug 25, 2010
 

Best CD Rates, IRAs and Investments in Las Vegas

Las Vegas Banking Rates want to help you earn money, save money and put yourself in the best position for your own financial situation. If you have a savings account that you do not need for the rest of this year, it may be a good idea to invest into a 6-12 month CD and take advantage of the higher interest rates. You can earn up to 1% or more in a CD versus a savings account with a $5000 CD over 10 years; that can be over $500-$1000 more in interest payments with the higher CD rate.

Many local Las Vegas credit unions offer competitive CD rates, money market accounts and IRAs, as do the larger national banks. If you want to get the highest interest rates, be sure to thoroughly research banks with the best offers before you make your decision. Las Vegas Banking Rates has relationships with many banks to maximize the potential of finding the best rates.

CD Rates When Interest Rates are Falling in Las Vegas, NV

A clear advantage of investing in CD‘s is that CD Rates are fixed, meaning you lock in an interest rate for the entire term of the CD, and it does not change. When interest rates are dropping, your CD stays at a higher rate. If you money is in a savings account, or interest paying checking account, your interest rate will drop daily, if rate are falling. Learn from Las Vegas Banking Rate partners if rates are falling or rising, and make the right choice to earn more money.

Choosing a CD Instead of a Savings Account

A savings account is an attractive option for saving money. It offers interest on any balance you put in the bank, allows frequent withdrawals, and is offered by almost every bank out there. However, a long-term CD may actually be the better option for your investment.

Savings banks offer interest rates as low as 0.05% and usually only go up to 1.00% APY. In comparison, while a one year CD would offer interest rates around 1.00%, a three year CD could offer rates over 2.00% APY. While rates on both savings and CDs will change, a smart investor can predict financial changes and invest during a rising interest period. While many people worry that CDs do not offer enough of a chance to frequently access your money, consider CD laddering as an alternative choice. This financial technique allows you to be no further than a year from at least a chunk of your money. Furthermore, while longer term CDs will offer higher yields, banks will also offer short-term CDs by month.

If you still feel uncomfortable with the idea of CDs, consider getting a money market savings account. These savings accounts give higher interest rates for larger sums of invested money. However, they frequently put a limit on withdrawals and too many can make you incur fees. Once you decide on your type of account, savings or CD, let Las Vegas Banking Rates help you find the highest banking rates in your area.

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