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Doral Bank Direct: CD rates and Review

Posted on February 2nd, 2010

Doral Bank, based out of New York, is currently offering some decent CD rates through their online banking division – Doral Bank Direct. Doral Bank Direct is a wholly owned subsidiary of Doral Financial Corporation. (NYSE: DRL), a diversified financial services company headquartered in Puerto Rico with 35 years in the banking industry. Although headquartered in Puerto Rico, they are still member FDIC and your deposits are federally insured up to $250,000.

Doral Bank Direct Current CD Rates

- 6 month CD yielding 1.25% APY with a minimum deposit of $1,000 required.

- 9 month CD yielding 1.40% APY with a minimum deposit of $1,000 required.

- 12 month CD yielding 1.90% APY with a minimum deposit of $1,000 required.

- 18 month CD yielding 1.50% APY with a minimum deposit of $1,000 required.

- 24 month CD yielding 1.75% APY with a minimum deposit of $1,000 required.

- 36 month CD yielding 2.00% APY with a minimum deposit of $1,000 required.

- 48 month CD yielding 2.25% APY with a minimum deposit of $1,000 required.

- 60 month CD yielding 2.50% APY with a minimum deposit of $1,000 required.

Although some of the above products are not offering higher rates than the national averages, most of the rates associated with the short-duration products (ie: 6 months through 2 years) are signifantly higher than national average rates. To put the above offers in perspective, the national average for 6 month CDs, 12 month CDs, and 3 year CDs are 0.92% APY, 1.34% APY, and 2.07% APY respectively.

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