Total Direct Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.35%, 6-month CD rates at 4.50% and 3-month CD rates at 5.00%. Current savings rates are at 1.00% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 7.01%. Credit Card rates are at 8.90%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates. Total Direct Bank's 3-Month CD rates are at 5.51%, 6-Month CD rates are at 5.51%, 12-Month CD rates are at 5.35%, 24-Month CD rates are at 4.34%, 36-Month CD rates are at 3.56%. Total Direct Bank's money market rates are at 5.26%.

Total Direct Bank

To see how these rates compare to Total Direct Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Total Direct Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Total Direct Bank CD rates. You can also compare Total Direct Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Total Direct Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Total Direct Bank? Share your experience about Total Direct Bank by leaving a review below, or read customer reviews before you decide to use Total Direct Bank.

Total Direct Bank Texas Ratio

Total Direct Bank's Texas Ratio is at 2.78%, which is considered excellent. The Texas Ratio for Total Direct Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Total Direct Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.35%
18-Month CD
N/A
24-Month CD
4.34%
36-Month CD
3.56%
48-Month CD
N/A
60-Month CD
3.05%
Savings
N/A
MMA
5.26%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Total Direct Bank
25 W Flagler St
Miami, FL 33130
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Total Direct Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Total Direct Bank
Total Direct Bank
3-Month CD
5.51%
$25,000
Total Direct Bank
Total Direct Bank
6-Month CD
5.51%
$25,000
Total Direct Bank
Total Direct Bank
12-Month CD
5.35%
$25,000
Total Direct Bank
Total Direct Bank
Money Market
5.26%
$25,000
Total Direct Bank
Total Direct Bank
24-Month CD
4.34%
$25,000
Total Direct Bank
Total Direct Bank
36-Month CD
3.56%
$25,000
Total Direct Bank
Total Direct Bank
60-Month CD
3.05%
$25,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Total Direct Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First Internet Bank of Indiana
First Internet Bank of Indiana
12-Month CD
5.26%
$1,000
Landmark Credit Union
Landmark Credit Union
12-Month CD
5.10%
$500
Sterling Bank Poplar Bluff, MO
Sterling Bank Poplar Bluff, MO
12-Month CD
5.00%
$1,000
Adams State Bank
Adams State Bank
12-Month CD
4.78%
$1,000
Frontier Community Bank
Frontier Community Bank
12-Month CD
4.35%
$500
Mutual Security Credit Union
Mutual Security Credit Union
Money Market (special)
4.25%
$2,500
Gainey Business Bank
Gainey Business Bank
Money Market
4.00%
$500,000
EagleBank
EagleBank
36-Month CD
4.00%
$1,000
Beal Bank USA
Beal Bank USA
36-Month CD
4.00%
$1,000
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
48-Month CD (Bump)
3.80%
$2,500
Adrian Bank
Adrian Bank
12-Month CD
3.53%
$1,000
Farmers National Bank
Farmers National Bank
36-Month CD
3.50%
$500
Texas Heritage National Bank
Texas Heritage National Bank
24-Month CD
3.35%
$1,000
Addition Financial Credit Union
Addition Financial Credit Union
Growth+ Money Market
3.35%
$1,000,000
Citizens Federal Savings Bank
Citizens Federal Savings Bank
12-Month CD
3.25%
$500
First FSB of Twin Falls
First FSB of Twin Falls
60-Month CD
3.25%
$500
Newburyport Bank
Newburyport Bank
36-Month CD
3.25%
$500
Axiom Bank
Axiom Bank
Select Money Market
3.25%
$1,000
Pentagon Federal Credit Union
Pentagon Federal Credit Union
60-Month CD
3.20%
$1,000
Iroquois Federal S&L
Iroquois Federal S&L
30-Month CD
3.03%
$1,000
Main Bank
Main Bank
3-Month CD
3.00%
$1,000
Gogebic Range Bank
Gogebic Range Bank
12-Month CD (Business)
2.78%
$500
USAA
USAA
30-Month CD
2.75%
$1,000
Citizens National Bank of Albion
Citizens National Bank of Albion
24-Month CD
2.67%
$1,000
USAA Federal Savings Bank
USAA Federal Savings Bank
48-Month CD
2.50%
$1,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
Combined Money Market
2.27%
$150,000
Home Federal S&L of Niles
Home Federal S&L of Niles
12-Month CD
2.02%
$1,000
Community Bank Zanesville, OH
Community Bank Zanesville, OH
60-Month CD (special)
2.00%
$2,500
Fidelity Co-operative Bank
Fidelity Co-operative Bank
BusinessWorx Money Market
2.00%
$150,000
FNB of Pandora
FNB of Pandora
48-Month CD
1.76%
$1,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
60-Month CD
1.75%
$500
State Bank Fenton, MI
State Bank Fenton, MI
Kasasa Savings
1.51%
$0
Monroe Savings Bank
Monroe Savings Bank
18-Month CD
1.50%
$500
The Apple Creek Banking Company
The Apple Creek Banking Company
48-Month CD
1.42%
$500
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
Money Market
1.26%
$100,000
Republic Bank of Chicago
Republic Bank of Chicago
30-Month CD
1.25%
$1,000
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
12-Month CD
1.00%
$1,000
PSB Provident Savings Bank
PSB Provident Savings Bank
48-Month CD
0.63%
$1,000
Lisle Savings Bank
Lisle Savings Bank
12-Month CD
0.55%
$2,000
Fayetteville Bank
Fayetteville Bank
Savings
0.43%
$100
Municipal Bank
Municipal Bank
12-Month CD
0.40%
$1,000
Seamens Bank
Seamens Bank
48-Month CD
0.40%
$1,000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
24-Month CD
0.35%
$1,000
New Peoples Bank
New Peoples Bank
Statement Savings
0.25%
$0
Bank of New Hampshire
Bank of New Hampshire
36-Month CD
0.25%
$500
Skowhegan Savings Bank
Skowhegan Savings Bank
12-Month CD
0.20%
$500
FNB of Kansas
FNB of Kansas
Money Market
0.15%
$2,500
First Horizon
First Horizon
24-Month CD
0.10%
$1,000
Katahdin Trust Company
Katahdin Trust Company
Evergreen Money Market
0.01%
$0
First FSB of Champaign Urbana
First FSB of Champaign Urbana
Statement Savings
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
5.500%
5.908%
2.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Total Direct Bank Information

Total Direct Bank
25 W Flagler St
Miami, FL 33130
Miami-Dade
Established Date: 08/12/1970
FDIC Certificate #: 20234
Date of FDIC Deposit Insurance: 08/12/1970
Bank Holding Company: EMPRESAS JUAN YARUR SPA
How Many Domestic U.S. Offices? 33
How Many Branches are There? 33
Is Total Direct Bank FDIC Insured? Yes
What is Total Direct Bank's Cert number? 20234
What is the maximum amount for insured deposits? $250,000 per holder, per account

Total Direct Bank Financials

Total Assets:
$26,204,489,000
Total Deposits:
$22,081,259,000
Equity Capital:
$2,143,495,000
Domestic Deposits:
$22,081,259,000
Net Income:
$58,721,000
Return on Assets:
1.2016%
Quarterly Return on Assets:
0.9100%
Pretax Return on Assets:
1.1852%
Pretax Quarterly Return on Assets:
1.1900%
Return on Equity:
13.2500%
Quarterly Return on Equity:
11.2300%
Common Equity Tier 1 Capital Ratio:
12.9098%
Tier 1 Risk-Based Capital Ratio:
12.9098%
Leverage Tier 1 (Core Capital) Ratio:
9.5904%
Total Risk-Based Capital Ratio (YTD):
13.7620%
Total Interest Income (YTD):
3.3275%
 
 
Headquarters:
Miami
FDIC Field Office:
South Florida
Regulator:
OCC
County:
Miami-Dade
# of Offices:
33
Metropolitan Statistical Area (MSA):
Miami-Fort Lauderdale-Pompano Beach, FL
Consolidated Metropolitan Statistical Area (CMSA):
Miami-Fort Lauderdale, FL
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC

Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

    Read more...

Explore Other Rate Deals

Average credit cards are unchanged this week over last except for the average rate on reward credit cards. The average rewards credit card rate is averaging 12.26 percent, down from the previous week's average of 12.28 percent.
Comenity Direct Savings RateComenity Direct savings rates are now the best savings rate on our list at 2.45 percent with an APY of 2.48 percent. Comenity Direct, the new online banking division of Comenity Capital Bank, just launched their High Yield Savings Account with the new top rate. The minimum opening deposit for a savings account at Comenity Direct is $100.
The highest CD rates this well haven't changed much and won't for several more years. Today is the first day of the two day meeting of the Federal Open Market Committee. Recent weak economic news has most economic analysts believing that another round of quantitative easing is just around the corner.

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Total Direct Bank Reviews

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