Ally Bank CD rates are subject to change given market conditions and bank policies. Ally CD rates as of May 5, 2010 are as follows. For an investment of three months, the bank returns an APY of 0.74%. A 6-month investment at the bank will yield 1.15% APY and a 9-month investment will return an APY of 1.10%.

The standard investment of one year at Ally Bank returns an APY of 1.49%. An 18-month investment at the bank will return an APY of 1.65%. Ally certificate of deposit rates for three year investment are currently estimated at 2.33%. The current cd rates for four year investment at the ban k are estimated to return an APY of 2.59%.

The highest CD rates at Ally Bank are currently available on the five year CD. Investors can earn as high as 2.99% APY on this investment. There are no monthly fees charged on these accounts and customers can open these accounts for a very little amount as there are no minimum opening deposit requirements. Interest rates are compounded daily for these accounts. CD accounts are automatically renewed at maturity unless otherwise specified by the customers. In that case, the bank will not review the account and customers can take out their money and profits. Penalties are applicable in case of early withdrawals and other violations of the user agreement. Bank website has further details about the account and offers an online account opening feature.

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Ally Bank CD Rates Update

*Editor’s Note: this is an older article, and we have recently updated our research about current Ally Bank CD Rates.  For our latest article on Ally CD Rates, please see the following page: Ally Bank CD Rates

Midvale, UT-based Ally Bank is one of the few companies in the United States that do not have any minimum balance requirements before buying Certificates of Deposit. Ally Bank CD Rates are also one of the highest in the financial market. These rates are available for both the high yield CD and no penalty CDs.

Ally CD rates for high yield investments are reported in the following lines. The rates remain the same irrespective of the total amount of balance. This means that a customer can deposit $500 for a 13-month CD at an APY of 1.89%. There are no restrictions or rules regarding the initial deposit or the amount needed to maintain the certificate. The above-mentioned rates are current cd rates and are subject to change in the longer term of investments.

Ally certificate of deposit rates are calculated over a scientific procedure where local and national economic indicators are taken into account before the final calculations. Additionally, these rates vary within the banking industry to a greater degree and depend on the financial health and priorities of a company.

Highest CD rates are accrued on the high yield investments. No penalty CDs, on the other hand, have a current fixed APY of 1.44% for a 9-month certificate. There are no minimum deposit regulations or fees charged on these accounts. APYs are generally constant across the nation, including no penalty CDs. They only vary in case of extreme changes and state regulations. Otherwise, Ally Bank is generally known for its strict implementation of equal CD rates across the nation.

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Ally Bank CD Rates

*Editor’s Note: this is an older article, and we have recently updated our research about current Ally Bank CD Rates.  For our latest article on Ally CD Rates, please see the following page: Ally Bank CD Rates

There are two types of Ally certificate of deposit rates: high yield and no penalty. The no penalty offer has only one term (9 months) with a 1.65% annual percentage yield (APY). It automatically renews at an additional six months at standard rates and has no minimum deposit.

Other Ally CD rates are in various terms and all have no minimum opening or maintenance deposit requirements.

The highest CD rates are nearly all the way through with a 3 month term giving a 1.20% APY, 6 months a 1.55% APY, and 9 months at 1.60% APY. One year or 18 months both give a 2.00% APY.

Longer terms for Ally Bank CD rates are two years at 2.30% APY, 3 years at 2.70% APY, 4 years at 2.95% APY, and five years at 3.40% APY.

Overall, these are some of the highest CD rates around the nation right now. Current CD rates are falling at some places and others are rising. Ally Bank (formerly GMAC) is definitely well above the national averages on nearly all deposit terms.

Ally Bank is an FDIC insured bank to the fullest extent of the law. If any of these Ally CD rates appeal to you, then lock your highest CD rates in now.

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Ally CD Rates

We will list the highest CD rates in Utah by term and then rank by annual percentage yield (APY). Any other information, including minimum deposit requirements, will also be given.

1 Year Term Utah CD Rates
Best CD rates in Utah for this term are at Ally Bank with a 2.05% APY and no minimum deposit. The next closest offer is from Zions Bank at 0.50% APY with a $1,000 minimum deposit required while U.S. Bank has a $500 mnimum deposit requirement for a 0.40% APY.

3 Year Term Highest CD Rates in Utah
Still dominating, Ally Bank shows a 2.75% APY and no minimum deposit required for this term as well. U.S. Bank has a 1.75% APY with a $500 minimum deposit required while Zions Bank has a 1.21% APY with a $1,000 minimum.

5 Year Term Utah CD Rates
Still Ally Bank on top for this term with a 3.40% APY and no minimum deposit requirement. U.S. Bank has a 2.50% APY for this longer term with a $500 minimum deposit required. Zions Bank has a 1.91% APY with a $1,000 minimum deposit needed.

All banks listed are FDIC insured. If any of these current CD rates appeal to you, lock your best CD rates in Utah in now. Rates change often.

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Highest CD Rates in Utah

*Editor’s Note: this is an older article, and we have recently updated our research about current Ally Bank CD Rates.  For our latest article on Ally CD Rates, please see the following page: Ally Bank CD Rates

As before, the 9-month No Penalty offer at Ally Bank CD rates still stands at 2.05% annual percentage yield (APY) with an auto-renewal at 6 months at the standard rate.  As with all Ally Bank CD rates, this one requires no minimum deposit to open.

Other standard terms are available with no strings attached, of course, and current CD rates are pretty good compared to the national averages.

Ally CD rates on a 3 month term are 1.20% APY, 6 months at 1.80% APY, and 9 month at 1.75% APY.  These are good rates for short-term CDs and are actually some of the highest CD rates in the nation for these terms.

For 12 or 18 months, the Ally CD rates are 2.25% APY while 2 years get 2.40% APY.  A 3 year term has a 2.85% APY and a 4 year a 3.00% APY.  Long term Ally Bank CD rates for 5 year terms are 3.50% APY, which is high compared to most national rates at this term.

All Ally Bank accounts are FDIC insured, of course.  Ally CD rates can change at any time, though, so if you like any of these current CD rates, make sure to lock yours in quickly.  Ally continues to offer some of the highest CD rates in the nation right now.

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Ally Bank Current CD Rates

*Editor’s Note: this is an older article, and we have recently updated our research about current Ally Bank CD Rates.  For our latest article on Ally CD Rates, please see the following page: Ally Bank CD Rates

Their specials right now are on one year Ally CD rates.  They offer two types of CDs: Classic and No Penalty.  The difference being that the No Penalty Ally Bank CD rates include the chance to close the account early without penalty.

One year Classic Ally certificate of deposit rates are at 2.80% APY (annual percentage yield).  That beats most major competitors by well over 1.0%!

Even short term 3 month terms for a Classic Ally Bank CD rates are at 1.70% APY, six months at 2.10%, 18 months at 2.60% APY and two years at 2.90% APY.  Five year terms are at 3.50% APY, definitely one of the best available right now. The No Penalty Ally Bank certificate of deposit rates are at 9 months (their highest CD rates deal) for 2.50% APY.  This is the only No Penalty rate available right now.

All accounts at Ally Bank are FDIC insured to the fullest extent of the law.  These great Ally certificate of deposit rates are definitely worth considering.  Like most CDs, these Ally Bank CD rates could change at any time, so lock yours in now if you’re interested in taking advantage of them.

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Ally Bank CD Rates