If you don’t want to tie up your savings for too long but want to earn some money, Country Bank for Savings has a six-month Relationship certificate of deposit (CD) with a 1.85% annual percentage yield (APY). Relationship CDs are also available for terms of 15 months (2.25% APY) and 24 months (2.5%  APY).

Relationship CDs are only available to customers who live in Massachusetts and have a checking account at the bank. Other details of the offer include:

• Minimum deposit of $500 to open CD
• Minimum balance of $1,000 in a Country Bank checking account
• Must set up monthly direct deposit into checking account
• Penalty for early withdrawal
• Interest is paid monthly and can be withdrawn at any time

Other CD rates and terms are available to people who don’t live in Massachusetts and accounts must be opened by mail. Call the bank for more information on opening an account if you don’t live in Massachusetts. Other CD rates as of Feb. 19, 2010, include:

• 6 months (1.6% APY)
• 12 months (1.75% APY)
• 15 months (2% APY)
• 2 years (2.25% APY)
• 3 years (2.25% APY)
• 4 years (2.5% APY)
• 5 years (2.5% APY)

The bank, which is based in Ware, MA also offers CD rates for terms as short as two months. CD rates are available for fixed-rate and variable CDs.

Golf Savings Bank has one of the best certificate of deposit (CD) rates this week if you can afford to park your money for a couple of years. The bank is offering a CD rate of 2.2% annual percentage yield for two years. Details of the CD offer include:

• CD rates apply to balances up to $90,000
• Interest is compounded daily and paid monthly
• Fees could reduce total interest earned

The bank charges a penalty for early withdrawals. The amount of the penalty is based upon the term of the CD. For example, if you withdraw money early from a two-year CD , you pay six month’s interest on the amount withdrawn.

The bank offers CDs with other terms, including a 15-month bump certificate that allows for one rate change during the term. If you choose to change the interest rate, the term remains the same. There are no fees for exchanging your interest rate for a new one.

Other CD rates for deposits up to $90,000 (current as of Feb. 1, 2010) include:

• 1.14% annual percentage yield (APY) for 3 months
• 1.35%  for 6 months
• 1.8%  for 12 months
• 1.9%  for 15 months
• 2.5% for 3 years
• 2.65% for 4 years
• 3% for 5 years

Golf Savings Bank is based in Mountlake Terrace, WA, and has bank branches throughout Washington, Montana, and Idaho.

If you or your spouse are members of the military, check out some of the bank deals offered by USAA Federal Savings Bank. Anyone who is active, retired, or honorably discharged from the military can choose from a variety of financial products at the bank. Qualifying family members of military personnel also can search for bank deals at USAA.

Among the bank deals are certificate of deposit (CD) rates as high as 3.75%. Terms for a CD range from 30 days to seven years.

Standard CDs with a variable rate require a minimum deposit of $250 and those with a fixed rate require a minimum of $1,000. The bank also offers jumbo CDs for a minimum deposit of $95,000 and super jumbo CDs, which require a deposit of at least $175,000.

The adjustable rate CD allows a one-time adjustment if rates rise, and one additional deposit during the term. USAA also offers variable rates that can change daily, but allow you to make additional deposits to a CD.

USAA has free savings and checking accounts. The checking account has no monthly fees, free checks for life, free overdraft protection, and a free rewards debit card. You won’t pay a fee for the first 10 ATM withdrawals each month and can receive a refund of up to $15 for ATM fees from other banks.

Large, national banks are not the only places to find competitive savings rates. Many savers are turning to local banks to find some of the best savings accounts.

Geddes Federal Savings and Loan Association, which serves the Central New York area, has a 2% annual percentage yield (APY) on money market account balances of $50,000 and up. Balances between $1,000 and $49,999 earn a money market rate of 1% APY. Money market accounts must have a minimum of $25 to earn interest.

Geddes Federal Savings and Loan Association also offers certificates of deposit (CDs) with competitive rates. CD rates include:

• 1.3% APY for 4 months
• 1.55% APY for  9 months
• 1.65% for 12 months
• 1.7% APY for 18 months
• 2.15% APY for 24 months
• 2.45% APY for 36 months
• 2.65% for 48 months
• 3% APY for 60 months

The bank also offers other CD rate terms. To earn the best CD rates, a CD must have a $500 minimum balance. Withdrawing money early results in a penalty.

The bank also offers CD rates for IRAs. Those CD rates include 2.15% APY for 12 months, 2.65% APY for 24 months, and 3.5% APY for 60 months. The bank offers other CD rates and terms for IRAs. The IRA CDs require a $500 minimum deposit.

Geddes Federal Savings and Loan has one office just outside of Syracuse, N.Y. The bank has been in business since 1949. The bank does not offer mortgages and services all of its accounts in-house.

National Bank of Kansas City has one of the best certificate of deposit (CD) rates for three year terms. A CD with a term of 36 to 47 months has an annual percentage yield (APY) of 2.45%.  Other CD rates, which are effective as of Jan. 29, include:

• 0.5% APY for 3 to 5 months
• 0.75% APY for 6 to 11 months
• 1.5% APY for 12 to 23 months
• 1.85% APY for 24 to 35 months
• 3.03% APY for 48 to 59 months
• 3.22% APY for 60 months

You can open a CD online. A switch kit can also be downloaded from the bank’s website that allows you to fax the application for a CD. The bank also offers CDs for IRAs. To open a business account, call or visit a bank branch. Other qualifications to get the best CD rates offered at National Bank of Kansas City include:

• $5,000 minimum opening deposit for a personal or business CD
• $4,000 minimum opening deposit for an IRA CD
• Minimum daily balance of $1
• Penalty for early withdrawal
• CD rates are subject to change at any time

If you’re holding out for the best CD rates going forward, sign up for the bank’s rate watcher service. The bank notifies you when CD rates reach your desired level.

National Bank of Kansas City is based in Overland Park, KS and has been in business since 1999.