CD Rates

The one year CD rate is holding right around 4.86% (not a great deal since many online savings accounts are offering rates of 4.5% to 6.0% APY, but tonight I saw a few companies advertising rates significantly higher than that (especially if you have a sizable amount to invest which rules me out). AmTrust is offering a 5.46% APY $1000 minimum CD, NetBank is offering a 5.45% APY $1000 minimum CD both are FDIC insured.

EDIT: I have removed the entry here about Millennium Bank. I missed that it was not FDIC insured and apologize to everyone. Never a good idea to put money in a "safe investment" like a savings account or certificate of deposit that is not FDIC insured. It has been suggested that money-rates.com is a good place to find other FDIC insured investments.