INGDirect.com has bumped their 9 month CD rate up to 5.25% APY. I’ve used INGDirect.com in the past, and their service and interface is top notch. They used to have top CD rates as well, but over the past few months have fallen behind others such as EmigrantDirect.com and Umbrellabank.com.

INGDirect.com also offers a referral bonus; $25 to the referrer and $10 to the referee. This can go a long way towards boosting that return, especially if you’re not depositing all that much. The minimum deposit is $250 to get the bonus; but you can withdraw it as soon as it clears. If you’re interested in an opening an account, feel free to leave a comment or shoot me an email. Deposits at INGDirect are FDIC insured under the name ING Bank, fsb.