To obtain the Univest Bank certificate of deposit rates you must make a deposit of $2,500 for the 7 to 31 day CD.  The remaining standard CD’s only require a deposit of $500.  The IRA CDs only require a minimum deposit of $5.

The current CD rates include the 7 to 31 day CD is earning an APY of 0.05%. The 91 day CD is earning an APY of 0.05%.

The 26 week CD is earning an APY of 0.15%. The 9 month CD is earning an APY of 0.25%. The 1 year CD is earning an APY of 0.35%.

The 18 month CD is earning an APY of 0.45%. The 2 year CD is earning an APY of 0.60%. The 30 month CD is earning an APY of 0.75%.

The 3 year CD is earning an APY of 1.00%. The 4 year CD is earning an APY of 1.25%. The 5 year CD is earning an APY of 1.75%.

The best CD rates are from the 6 year CD that is earning an APY of 2.00%.

The new 3D CD allows for the depositor to withdraw the funds for 10 days on the anniversary of the account without penalty. Its first years APY is 0.35%, the second year is 0.60% and the third is 1.00%. The overall APY can reach 0.65%. The 3D CD requires a minimum deposit of $500.

The Univest CD rates were posted on January 21, 2012 but are subject to change without notice.

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Univest Bank CD Rates January 2012 Update

The First Midwest Bank certificate of deposit rates are set up in a tiered format with minimum deposit amounts of $1,000, $25,000, $50,000 and $100,000. There is a minimum deposit of $1,000 required to open a CD account with First Midwest Bank.

The current CD rates include the 3 month CD that is earning an APY of 0.07%, 0.10%, 0.13% and 0.16% respectively. The 6 month CD is earning an APY of 0.16%, 0.19%, 0.22% and 0.25%.

The 9 month CD is earning an APY of 0.24%, 0.27%, 0.30% and 0.33%. The 1 year CD is earning an APY of 0.30%, 0.35%, 0.40% and 0.45%.

The 18 month CD is earning an APY of 0.45%, 0.50%, 0.55% and 0.60%. The 2 year CD is earning an APY of 0.55%, 0.60%, 0.65% and 0.70%.

The 3 year CD is earning an APY of 0.70%, 0.75%, 0.80% and 0.85%. The 4 year CD is earning an APY of 0.85%, 0.90%, 0.95% and 1.00%.

The best CD rates are from the 5 year CD that is earning an APY of 1.15%, 1.20%, 1.25% and 1.30%.

These First Midwest CD rates were posted on November 30, 2011 and are still current for the month of December. All rates are subject to change without notice.

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First Midwest Bank CD Rates November 2011 Update

The tiered format of the MetLife Bank certificate of deposit rates have minimum deposit levels of  $2,000, $15,000, $25,000, $50,000 and $100,000. This allows for greater earning when a larger deposit is made into a CD account by their customers.

The current CD rates include the 3 month CD that is earning an APY of 0.25%, 0.35%, 0.45%, 0.50% and 0.50% respectively. The 6 month CD is earning an APY of 0.35%, 0.55%, 0.65%, 0.70% and 0.70%.

The 9 month CD is earning an APY of 0.40%, 0.65%, 0.70%, 0.80% and 0.80%.The 1 year CD is earning an APY of 0.90%, 1.10%, 1.30%, 1.30% and 1.30% respectively. The 18 month CD is earning an APY 1.15%, 1.25%, 1.35%, 1.35% and 1.35%.

The 2 year CD is earning an APY of 1.05%, 1.40%, 1.55%, 1.55% and 1.55%. The best CD rates are with the 3 year CD and above. The 3 year CD is earning an APY of 1.50%, 1.75%, 1.90%, 1.90% and 1.90%.

The 4 year CD is earning an APY of 1.50%, 1.75%, 1.90%, 1.90% and 1.90%. The 5 year CD is earning an APY of 1.50%, 1.75%, 1.90%, 1.90% and 1.90%.

The CDs have their interest compounded daily and credited to the accounts monthly.

These MetLife CD rates were reported as posted on June 23, 2011 but are subject to change without notice.

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MetLife Bank CD Rates June 2011 Update

If you want to create a CD ladder, but are unsure of where you will get the money, you can actually get started with the help of supplemental income. This is income that you make “extra” on top of your regular salary. You can get supplemental income by working a part-time job, or by starting a side business, or by starting up a web site and monetizing it. You can also invest in dividend paying stocks, but you might need more time to build up a portfolio.

Once you start your new revenue stream, you can save it up until you have enough to open a CD. Most people set CD ladders up on a five year system. This means that you need to open five CDs. The first CD is a one-year CD, the second a two-year CD, and so on. Your fifth will be a five-year CD. The beauty of the CD ladder is that once your first CD matures, you can roll it over into a five-year CD that will mature in year six of your ladder. Once you get started, you can get the higher interest rate associated with a five-year CD every year — and a CD will mature each year. And, as interest rates begin to rise, you can lock in that higher rate.

Adding to Your CD Ladder

Your supplemental income can be a good part of this. Every year, as a CD expires, you can add money you have made from your alternative revenue stream to the CD that has just matured. This way, you are adding more money to your ladder, and building up savings at a faster rate. This is a great way to earn a little more money, and boost your cash savings.

You also have the option to start shorter CD ladders. You can open new CD ladders at appropriate intervals so that you get access to your money every six months. This can be done on a year schedule as well. Start your next five-year CD ladder six months after starting your first. This way, you can get more regular access to your money, but still enjoy the advantages of a longer CD term.

You can start ladders at whatever intervals you choose, making use of the supplemental income that you should be earning regularly. With a little planning, and some extra income, you can really boost your cash savings.

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Create a CD Ladder with Supplemental Income