Earth's mantle extends to a depth of 2,890 km, making it the thickest layer of Earth. The upper mantle is divided into the lithospheric mantle and the asthenosphere. The upper and lower mantle are separated by the transition zone. The lowest part of the mantle next to the core-mantle boundary is known as the Dâ³ layer.
Flagstar Bankâs cetificates of deposit include regular CD rates, Smart Choice CD Rates and a 24 month Rising Rate Internet CD rate. Regular certificates of deposit are available in terms ranging between 6 months to 5 years. Flagstar Direct is current offering a 6 month CD rate at 1.24 percent with an APY of 1.25%. That CD rate and CD yield is one of the highest 6 month CD rates available right now. Flagstar Direct;s 12 month certificate of deposit currently has a CD interest rate of 1.54 percent with an APY of 1.55 percent. Flagstar Bank is also a member of the Certificate of Deposit Account Registry Service (CDARS) network.
And just so you know Iâm not picking on Citi, other big banks offer similarly low CD rates. On 60-month CDs, Bank of American currently offers an APY of 1.21 percent. You can almost beat that rate with an ING Direct savings account that doesnât lock your money away for five years.o while doing some research to find the best CD rates, I was surprised to see just how low Citiâs CD rates were on both short and long term certificates of deposit. For example, on a 3-month CD, Citi currently offers an APY of just 0.20 percent to Virginia residents (rates at Citi vary slightly from state to state).