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One Georgia Bank, located in Atlanta GA is offering a 7-Month CD at 3% APY to customers who deposit a minimum of $5,000 in the CD and who also have a personal interest checking account.

Bank of America is offering a competitive 48-Month CD paying 3.01% APY. The bank is also offering a 12-Month High Yield CD special at 2.5% APY and a 9 Month Risk Free CD paying 2.5% APY.

Regal Financial, a community bank based in Seattle, WA is offering a 12 month CD for 4% APY.

Discover Bank is offering $50 for opening a new CD account online. Between now and February 28, 2009, open a new CD account at DiscoverBank.com with a minimum of $10,000 and Discover Bank will credit your account with $50.

iGObanking is offering a competitive 60 Month IRA CD that pays 4% APY.

Out of the big three banks covered on BestCashCow, Chase seems to have the most competitive rates and has dropped the least over the last month.

Acacia Federal Savings Bank is offering a 60 Month CD that pays 4.50% APY. That's currently the highest rate on the BestCashCow rate tables for the term.

Flagstar Bank if offering a competitive 48 month (4 year) CD paying 4.50% APY.

NOVA Bank of Pennsylvania is offering an 18 month CD for 4.25% APY, a leading rate for that term.

Bank of America is offering a very competitive 48-59 month CD paying 4.01% APY. But is only seems to be available for Massachusetts residents.

The State Bank of India has upped the ante in the rate game and has bucked the trend of recent rate decreases. It now has the top 6 month and 12 month certificate of deposit (CD) rate.

DollarSavingsDirect, an online division of Emigrant Bank is offering a 16 month CD at 4% APY.

If you speak to anyone with a pulse, part of the discussion inevitably turns to how to protect your cash in such a low rate environment.

E-Loan is offering a leading rate of 4.36% APY on a 1 year CD along with a $25 signing bonus.