SmithReed: CD Rates

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	CD Rates

CD Rates - 1-800-300-1015

FDIC insured, buyer pays no commission, estate feature

Current interest rates and Annual Percentage Yield (APY) effective as of 07/23/2008. Rates subject to change. $20,000 minimum investment.

Term		Interest Rate		APY	Callable

3 Month	2.75%	2.75%	No
6 Month	3.15%	3.15%	No
9 Month	3.50%	3.50%	No
1 Year	3.75%	3.75%	No
2 Years	4.35%	4.35%	Yes
2.5 Years	4.50%	4.50%	No
3 Years	4.75%	4.75%	Yes
4.5 Years	4.85%	4.85%	Yes
5 Years	5.05%	5.05%	No
10.5 Years	5.50%	5.50%	Yes
20 Years	0.00%	0.00%	Yes

Talk to a financial consultant about Certificates of Deposit.

Certificates of Deposit (CDs) are time deposits issued by banks and savings associations.Generally issued in $1,000 increments, CDs are also available in $100,000 increments, known as Jumbo CDs. CDs are available in a wide variety of maturity dates, ranging from as short as 1 month to as long as 20 years. In addition to offering monthly, quarterly or semiannual interest payments, CDs offer a variety of coupon structures, some of which are callable at the option of the issuer.

CDs are backed by Federal Deposit Insurance Corporation (FDIC) insurance. The current limit is $100,000 (including principal and interest) for all deposits held in the same legal capacity per depositor, per institution. Expanded FDIC coverage may be obtained by purchasing CDs from multiple issuing institutions.

Another valuable feature of CDs is commonly referred to as the survivor's option (or estate feature), which is designed to help preserve estate assets. This provision allows for the full withdrawal of the principal and interest in the event of death or adjudication of incompetence of the beneficial owner, regardless of whether the current market value has fallen.

CDs may help investors pursue their investment needs and goals while also providing safety of principal. Our financial consultants have access to CDs issued by hundreds of issuing banks and can help determine which type may be appropriate for you. The advantages to investors are many, including competitive rates and a large selection of CDs with varied features and maturities.

Legal Disclaimer:
The above Offerings are subject to availability and change in price or prior sale. All information is from sources believed to be reliable, but cannot be guaranteed. Linsco/Private Ledger makes no warranties, express or implied, as to the accuracy of this information. None of this information shall be construed as an offer to buy or sell securities, nor shall it be construed to be investment advice. Fixed Income products engender inflation risk, and the yield to call or maturity may not outperform the rate of inflation for the term of the investment. The callable feature of the CD gives the issuer the right to call your CD on predetermined dates. The CD is non-callable for the first 6 months. If the bank does call your CD, your original investment will be returned to you with interest at a predetermined rate. Subject to availability as of the effective date provided above. Final maturity is the end of the Term provided above. Information on the issuing bank is available upon request. Consult your financial consultant for more information.

Securities and Asset Management Services offered through Linsco/Private Ledger, Member FINRA . Member of Securities Investor Protection Corporation (SIPC). For an explanatory brochure, please visit www.sipc.org. Registered Representatives of Linsco/Private Ledger whose identities and associations with SmithReed, LLC are disclosed on this site may only discuss securities or transact business with persons who are residents of the following states: AZ, CA, CO, FL, GA, IL, KS, KY, MO, NC, NY, OH, TN, and SC.