is the best bank for 3-month CD rates. It has a minimum opening deposit of $1,000, which is pretty standard for most banks. Brilliant Bank might not be the best choice for building a CD ladder ...

It also comes with a free ATM card ... when you deposit at least $250 per month, earn 3.40% standard APY if minimum isn't met. **CIT Bank Platinum Savings: Transfer a one-time deposit of $50,000 ...