Depends on what your thoughts are on how quickly rates might jump, and how long you want to lock up your funds. EverBank's 3-year CD is 2%, and that is what I would go with for that term. I've had EverBank CDs and foreign currency CDs and I find EverBank to be a fantastic bank; it is predominantly online only bank with some niche products.
re outlook, up - ergo, not long on lockup (thusly staying pretty liquid w/cash parking options - no cd's for me, atm)...
everbank has been fun - started with them a cpl of yrs ago at 1.6% intro, but that ran out, then did a year of their other yieldpledge thing for 1.11% - but that's running out... I sent CS a note asking for a courtesy/retention bump to at least 1.21 apy to keep me from having to move a bunch of money somewhere else, but whomever replied basically quoted me the terms of their current "new customers only" promotion and said "denied" --- so, Everbank's been fun, but, after that curt brushoff - gotta take my money run!
For the shorter term, Veridian Credit Union has a weird but intriguing 17-month term CD at 1.76%.
Weird also is Ally's 11 month CD @1.5% APY with NO early withdrawal penalty. I tried to open that, since they recently bought out a company that had an old brokerage account of mine in it and I thought it would be painless - nope, nine screens of badly programmed bullshit that hung up on like step 8 of what should have been a "one-button" process (since I was already a customer) - and then a few days later some dude calls me and says, hey, we want to open that thing for you, but we need you to fax a paper copy of your DL and --- "no thanks, I'm not going to play with a fax machine - you should have all this KYC stuff since you've got like $60k of my money, anyway" --- Ally, I suspect, might be having some problems integrating its most recent acquisitions - that or it's always been a pain in the ass.
At 5 year terms, the current best is United States Senate Federal Credit Union at 2.44%
Do I get to vote for new Senate leadership if I join? (too long)
Interestingly enough, there are about 10 credit unions in Utah that are above the nationwide best.
Now you're talking. I can probably be from Utah. Utah loves me. I love Utah. What are these Utah CU's and what are the rates?
(I looked on depositaccounts - nothing special popped out at me, even when I selected Utah and claimed I was in every possible industry / SEG / FOM imaginable...)