Wachovia Special CD Rate: 4.25% 1 Year CD & 4.00% for 7 Months

We have a report that the "LA Times" ran an advertisement on Sunday June 22nd with the following:

• 4.00% APY for a 7 month CD
• 4.25% APY for a 12 month CD
• $5,000 minimum

800-922-4684

• Wachovia Bank

You can often get higher than advertised rates at your local branch if you do your homework. Print out this Highest CD Rate Survey and bring it in with you. Print out some of the advertisement of rates advertised on your bank's competing web sites so you have proof.

We often get better than advertised rates if we bring in our own rate sheet survey, especially if it keeps us from taking our money from a renewing CD to another bank. It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a chashier's check.

Bottom line: It never hurts to ask the teller if better rates are available.