Wachovia Bank has a decent 5.15% APY on their 4 month fixed rate certificate of deposit. The minimum requirement on this CD is $5,000. Other than this certificate special, their overall rates are not so great, ranging from 3.31% to 4.46% APY. Rates may vary by state; visit this page and enter your zip code to find out your local rate.

You’ll have seven days after the maturity date to change your term or withdraw your CD funds without penalty. If you choose not to make any changes, your CD automatically renews for the same term at the current interest rate.

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