If you are looking for a good short-term CD, consider one from Virginia Heritage Bank. Currently, the financial institution is offering a 6-month CD rate of 0.65% APY.

Everyone deserves to earn the CD rate they want when opening an account. The good news is that Virginia Heritage Bank is offering rates on all of its CDs that are fair and reasonable. Currently, the 6-month CD requires $500 to open. Rates are subject to change without notice. Penalties may apply for early withdrawal.

Get your hands on a great 1.12% APY from Happy Valley Credit Union. This deal is offered only as a 12-month CD rate.

The competitive CD rate is available to individuals who deposit a minimum of $1,000 to open the account. The rate is not fixed and can change without notice. Also, a penalty may be imposed for early withdrawal. To take advantage of this rate, you must become a member, which requires that you worship, live or work within Carter County, Tenn., deposit a minimum of $5 into a share account and pay a membership fee of 25 cents.

Community First Credit Union–Wisconsin will assist you with getting your finances on track with their competitive interest rates for both deposit and loan products. Today, Community First Credit Union Wisconsin is offering a high-interest 6-month CD that earns up to .90% APY.

In order to be eligible for this 6-month CD rate,  you must be a member of the credit union and deposit a minimum of $2,500. Rates are effective as of June 26, 2011 but are subject to change at any time without prior notice. Early withdrawal before the account reaches maturity may result in a penalty. Please contact Community First Credit Union Wisconsin directly for more details regarding this certificate of deposit account.

Oceanside Christopher Credit Union is also known as “The Catholic Credit Union.” They offer a variety of affordable financial products and services for members to ensure great financial well-being. Today, Oceanside Christopher Credit Union is offering a 12-month CD rate for 1.02% APY.

In order to be eligible for this CD rate, there is a $1,000 minimum to obtain the stated APY. Rates are subject to change at any time. Early withdrawal may result in a penalty. Please contact Oceanside Christopher Credit Union directly for more information regarding this account.

Greenwood Credit Union is offering members the opportunity to grow their money even faster with a great 24-month CD rate. Individuals looking for a longer-term CD commitment can take advantage of Greenwood’s rate of 1.50% APY.

Those interested in the CD rate will be required to deposit a minimum of $1,000 and must maintain this balance in order to earn the rate. Account holders could face a penalty if funds are withdrawn early. If you’re interested in this CD, you must first become a member. According to the credit union’s website, “Membership in Greenwood Credit Union is open to all responsible people who want to be members.”

Now’s the time to take advantage of a competitive 6-month CD rate from Maspeth Federal Savings. Currently, the financial institution is offering its short-term CD at a rate of 0.60% APY.

In order to be eligible for this CD rate, you must maintain a balance of at least $1,500. 6-month CD accounts from Maspeth are not compounded continuously. Instead, they are calculated as simple interest. There is a penalty for early withdrawal on any certificate account you open. Also, substantial early withdrawal penalties may apply on tax-deferred instruments.

600 Atlantic Federal Credit Union is offering its members a competitive 12-month CD rate. Currently, if you open a CD account you can take advantage of 1.12% APY.

Individuals who want to take advantage of this CD rate must maintain a minimum balance of $3,000. A membership is also required in order to open an account. Currently, membership is open to employees of the Federal Reserve Bank of Boston and their immediate family members, including spouses, children, parents, siblings, grandchildren or grandparents. A $5 minimum deposit in a Regular Share Account (or $25 minimum to avoid $1 per month fee) is also required.

Missouri Electric Cooperatives Employees’ (MECE) Credit Union is offering competitive 24-month CD rates for its members. Currently, the rate is offered at 1.51% APY for a standard certificate of deposit.

The credit union offers a number of rates based on the length of term. In addition to the standard rate for the 24-month CD, the highest CD rates for the term include 1.61% APY for the Jumbo CD and 1.66% APY for the Jumbo Plus. The minimum to open that standard CD is $500, while the minimums for the Jumbo and Jumbo Plus are $10,000 and $100,000, respectively. To take advantage of any rates, you must become a member, which is open to employees and associates of Missouri electric cooperatives.

Robins Federal Credit Union offers “Better Banking for Everyone.” At Robins Federal Credit Union, you can rest assured you will be receiving the most competitive interest rates along with a variety of financial products and services. For example, Robins Federal Credit Union is currently offering a 12-month CD rate of 1.05% APY.

In order to be eligible for this CD rate, you must open with a minimum of $100. All rates are subject to change without prior notification. Early withdrawal may result in a penalty. Please contact the credit union directly for more information regarding this certificate of deposit deal.

A certificate of deposit (CD) is a good investment for parking cash without risking your money. CDs offer better rates than T-bills or mutual fund money markets, and they don’t fluctuate in value like bonds or stocks. Taking time to find the best CD rates will help you stay ahead of the game.

If you have taken the plunge into CD investing, a great strategy to help increase your overall rate of return is to start a CD ladder. Laddering is easy: Simply spread out your CD maturities between short-term and long-term CDs, and keep reinvesting at better rates as they pop up.