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Nation’s Highest Rates

Nation’s Highest Rates

Welcome to CDLikeRates.com!

We're here to offer you a place for your savings with the nation's highest fixed rates. We offer you steady growth and guaranteed returns, so your money works hard for you!

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Let's Look at the Differences Between CDs & Fixed Annuities

Safety of principal? Yes Yes
Access to principal (subject to surrender charges)1? Yes Yes
Entire principal unreduced by commissions? Yes Yes
Tax deferred growth2? No Yes
Flexible contributions? No Yes
Avoid costs and delays of probate3? No Yes
Earnings automatically recontributed without being currently taxed? No Yes
Guaranteed lifetime income without taxes on the principal? No Yes
Provide income while reducing taxable income to protect Social Security? No Yes
Provide potentially higher yields? No Yes

Things to Consider:

  • CD accounts insured by the FDIC are generally limited to $250,000
  • Penalties apply on early withdrawals for CDs and Annuities
  • For CDs, joint ownership may avoid probate and state law may allow for a beneficiary designation that avoids probate.

Notes:

  • For CDs, the use of joint ownership may avoid probate, and state law may allow for a beneficiary designation that avoids probate. Proceeds of insurance contracts paid to a named beneficiary are generally not probate assets; check with your tax advisor. Current U.S. tax laws provide that earnings from an annuity are taxable as ordinary income only upon withdrawal. In contrast, interest earnings from a CD may be taxed annually and at rates that vary depending on the nature of the earnings and the individual's tax bracket. Lower maximum tax rates on capital gains and dividends could make the return for the taxable product more favorable, thereby reducing the difference between a taxable product and a tax-deferred product.
  • Penalties apply on early withdrawals. For annuities, significant charges apply during the Surrender Charge Period, which may last for several years. Some annuities offer free withdrawals if the withdrawal does not exceed 10% of the contract value each year. A 10% federal income tax penalty may apply for withdrawals before the age of 59½.
  • Income and growth on accumulated cash values are deferred until withdrawn.

NEITHER CDLikeRates.com NOR ITS AGENTS OR REPRESENTATIVES GIVE TAX ADVICE.
CLIENTS SHOULD CONTACT THEIR ATTORNEY OR TAX ADVISOR ON THEIR SPECIFIC SITUATION.

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CDLikeRates.com

Guaranteed Return

Lock in a guaranteed rate so you know exactly how much interest you'll earn

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Terms From 3 to 15 Years

Terms that work on your schedule

CDLikeRates.com

Competitive Rates and Terms

You have many option for reaching financial goals