Below is our guide to help you find the Best 12-Month CD Rates. Update 3/28/24 : We’ve updated the list with the latest and best rates for 12 month terms. Certificate of deposits, otherwise known as CDs, will offer you one of the best & secure way to get a return on your money when you invest it with your bank/credit union of choice.In today’s digital age, physical music formats like CDs may seem outdated. However, many independent artists and bands still find value in producing CDs for their fans and for prom...Nov 29, 2023 · Rate APY Liquid Certificate2 2.96% 3.00% College Saver3 2.77% 2.80% APY= Annual Percentage Yield. Rates are accurate as of the Effective Date of this Dividend Rate Sheet. Current rate information can be obtained by calling the Credit Union at 800.854.9846. Fees may reduce earnings. There is a penalty for early withdrawal of certificate funds. We offer some of the most competitive CD rates. Skip to content. Log In. 1.888.882.3837. 1.888.882.3837. Open An Account. Personal. Personal. Banking. Today's Rates. Support. High Yield Accounts. ... EverBank pays a fixed interest rate that’s typically higher than the rates offered on savings accounts. When the term is up, you get back the ...One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. CA - May 2, 2024. 1 Year CD National Average : 0.56% ? Credit Unions.. Key takeaways. Promotional CDs often pays more than standard CD rates. They may come in irregular term lengths, and the rate often applies only to the initial term and not subsequent...Rates are subject to change at any time. Upon maturity, promotional 7-month and 13-month CDs will automatically renew at the then current rates as follows: 7 month CD will convert to 6-month and 13-month will convert to 12-month. Annual Percentage Yield (APY). Interest rates are accurate as of 2024-04-12 and are subject to change at any time.Introductory Rate Offer After Introductory Rate Ends; Alliant Visa® Platinum Credit Card: Introductory rate as low as 0% APR for 12 months 1,2: Alliant Visa® Platinum Rewards Credit Card: Introductory rate as low as 0% APR for 12 months 1,2: Alliant Cashback Visa® Signature Credit Card: 17.49% - 27.49% APR 3,4: 17.49% - 27.49% APR 3,4Kinecta Federal Credit Union Offers Top-Rate 15-Month Promotional CD. Deal Summary: 15-month Certificate Promotion, 5.05% APY ($100k), 5.00% APY ($100), new money. Availability: Easy membership requirement California-based Kinecta Federal Credit Union (Kinecta) is the latest credit union to offer.Earning a $225 cash bonus is easy. 1. Open. Open a new Kinecta checking account and receive direct deposit (s) totaling $500 or more within 60 days of account opening. 2. Deposit. Maintain a $5,000 average daily balance for the first 90 days of account opening. 3.The penalty amount will be equal to one (1) month simple interest of the opening balance. Interest payout will occur at maturity. The 18-month Promo CD will renew as Regular 24-month CD after the first maturity and will renew as Regular 24-month CD thereafter. At renewal the Online Promo CD interest rate will change.A 2023 comparison of bank and CD rates found that a credit union's national average interest rate was higher for $10,000 in CDs ranging from three months to five years.Your certificate of deposit will automatically renew at the end of the term, unless you tell us otherwise. You will get a maturity notice in advance so you can decide if you would rather redeem your CD funds or even look for another term option. Visit your local banking center or call us at 800-905-9043 for current CD and rate information.When it comes to financial planning, one of the key factors to consider is the interest rates offered by various investment options. One of the primary benefits of using a CD rate ...CDs offer a few advantages. CDs typically pay a higher interest rate than other FDIC insured deposit products. Usually, the higher the rate, the longer the term. Your returns are guaranteed. You will know exactly how much money you will earn by the time the CD matures. CDs also have the security of being FDIC-insured up to the maximum …Current CD Specials. 5.00% APY for 6 months ($10,000 minimum to open; for new deposits) 1; ... Offer and rate valid as of January 12, 2024, and may be cancelled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The stated APY (Average Percentage Yield) is based on the assumption that the funds …Matthew M Klammer. The best 18-month CD rate is 5.40% APY from Northern Bank Direct and NASA Federal Credit Union. Northern Bank Direct is the online division of Northern Bank. FDIC-insured since ...Below are the best one-year CD Rates from banks in Columbus, Ohio. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Columbus, OH - May 2, 2024.Limited-Time Promotional CD Rate: Earn 5.25% APY* with a 12-month Certificate of Deposit. ... CDs automatically renew at the current rate when they mature . OPEN AN ACCOUNT CHECK RATES . APY subject to change at any time. *APY = Annual Percentage Yield. APY is accurate as of May 25, 2023. Early withdrawal penalties may …We even finance private-party transactions. Cars, trucks and SUVs with terms up to 84 months. Motorcycles with terms up to 72 months. Boats, RVs and travel trailers with terms up to 180 months. APPLY NOW. Why members choose Kinecta for their auto loans. Flexible Terms. Up to 180 months depending on type of vehicle.Regular Certificate of Deposit. IRA Certificate of Deposit. Flex Certificate of Deposit. Hope Preferred Certificate of Deposit. New customers or existing customers with new money can take advantage of promotional rates by opening the Hope Preferred Certificate of Deposit account with Bank of Hope either online or at a branch.Certificate of Deposit Rates. All of Third Federal’s CD rates offer competitive returns with low minimums and it’s easy to get started. You can open your CD over the phone by calling 1-800-THIRD-FED, online at thirdfederal.com or at any of our full-service branches. Certificates of Deposit Rates for May 03, 2024. Cuyahoga County, Ohio.Below are the best one year CD Rates from credit unions in Maine. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. ME - April 20, 2024.The rates stated above for Auto, Home Loan, Mortgages and VISA are "as low as" rates. Please visit the rates page of each products to view how rates are determined. All loan and mortgage rates are APR (Annual Percentage Rate). All savings rates are APY (Annual Percentage Yield). Rates are valid as of 04/27/2024.More Loan Options. High balance/jumbo purchase and refinance options with as little as 3% down. Construction-to-Permanent loan with an upfront rate lock and a single appraisal. Financing also available for second homes and non-owner-occupied investment properties. Talk to Us.When you're ready to open a CD, compare the best terms and rates among local credit unions and banks to find the right fit for your savings. Best 6-Month CD Rates. Alliant Credit Union 4.75% APY ...Huntington Bank currently offers 3 CD options: Fixed Rate, Jumbo, and CD IRA. You can get over two dozen certificates of deposit (CD) term lengths. The terms vary from 1 month to six years. They offer Fixed Rate CDs (principal amount less than $100,000) and Jumbo CDs ($100,000 or greater). These options work the same way, but Jumbo CDs may ...Regular CD 60-Month. 2.960%. 3.00%. 3.25%. Become a Member. *Annual Percentage Yield (APY) is accurate as of 4/12/2024 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. $500 minimum balance. **Advantage Plus CD Rate Premium = 0.25% APR on new CDs (excluding … *Annual Percentage Yield. Rates are accurate as of March 5, 2024. $500 minimum deposit required to earn 5.25% for 13-month CD. All new accounts are subject to approval. Product offers, terms and other information provided herein are subject to change without notice. A penalty may be imposed for early withdrawal from a CD. Best 3-Month CD: Dow Credit Union. Best 6-Month CD: Corporate America Family Credit Union. Best 1-Year CD: Apple Federal Credit Union. Best 18-Month CD: NASA Federal Credit Union. Best 2-Year, 4-Year, 5-Year, and 10-Year CDs: Credit Human. Best 3-Year CD: Workers Credit Union. Term.0.99 % Interest Rate3.19 % Interest Rate3.68 % Interest Rate4.16 % Interest Rate1.00 % Annual Percentage Yield3.25 % Annual Percentage Yield3.75 % Annual Percentage Yield4.25 % Annual Percentage YieldFor the rates below, we're using zip code 07030. Citibank CD offerings include: Citi® Certificates of Deposit (Fixed Rate CD): An APY of 0.05% to 4.75% for terms of three months to five years ...Earn Kinecta Federal Credit Union $250 Bonus. Kinecta is offering up to $250 when new money is transferred into an investment account with Kinecta Wealth Management. $100 Mastercard® Gift Card will be given for a transfer of $50,000 to $149,999. $150 Mastercard® Gift Card will be given for a transfer of $150,000 to $249,999.Leave a Comment. Find the latest Charles Schwab CD Rates, Offers, and Promotions here. Direct Link to Offer. Best CD Rates: 1-3 Month CDs 5.25% APY. 4-6 Month CDs 5.32% APY. 7-9 Month CDs 5.39% APY. 10-18 Month CDs 5.35% APY.You can burn song files onto a CD in two distinct ways. The first method, which is the more traditional method, is to burn an audio CD. This allows you to play the songs that are b...Your employees will receive free Kinecta memberships so they can take advantage of our low rates on credit cards, auto loans, and mortgages. We can even help them prepare for tomorrow with financial webinars, savings tips, and insurance 3 plans.About Kinecta Federal Credit Union. Kinecta is headquartered in Manhattan Beach, California, and ranks as the 35 th-largest credit union in the United States, with more than 270,000 members and over $6.5 billion in assets. The credit union has over 30 of its own branches, but members also may use more than 5,800 shared credit union branches and 85,000-plus surcharge-free ATMsnationwide.Linux.com points out that the free partition editor GParted is available as a live CD, making it that much easier to create, resize, delete, and do whatever else you might want to ...3.35% APY* for 12 months. Liquid Certificate 4. Deposit money at any time, and withdraw up to half your account balance penalty-free for easy access to your funds. 3.00% APY* for 12 months. College Saver Certificate 5. A certificate that earns a favorable rate and allows for additional deposits. It matures when the member reaches the age of 18.In January 2022, the typical APY, or annual percentage yield, for a one-year CD sat at a mere 0.13%—a pandemic low, according to FDIC data. As of April 2024, average one-year CD rates are at 1. ...7-month CD 1. 4.65% Annual Percentage Yield. Low minimum opening deposit of $2,500. Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty 2. Automatically renews on the maturity date.We would like to show you a description here but the site won’t allow us.3.00%. 3.05%. Federally insured by NCUA. APY = Annual Percentage Yield. APY is accurate as of 9/21/2023. The minimum balance to earn interest on Share Term Certificates (STCs) is $250. Interest accrues as simple daily interest. Rates are fixed for the term of certificate and are determined by the length of the term.Credit union CD rates are among the most competitive CD rates available. Review SCCU's latest CD rates, or contact us for more information on today's rates. If you're ready to open an SCCU CD account, visit one of our conveniently located branches near you or give us a call. Brevard: 321-752-2222; Broward: 954-704-5000; Miami-Dade: 305-882-5000Updated April 29, 2024. Reviewed by. Michael J Boyle. The best CD rate across all terms from a bank is 5.65% APY, offered by MutualOne Bank for a 3-month CD with a $500 minimum deposit. To find ...4 month Special Fixed Rate CD 2. up to 4.75% APY Relationship APY1 may be higher. Special Interest Rate. 4.64%. Annual Percentage Yield (APY) 4.75%. Relationship Interest Rate. 4.89%. Relationship APY 1.Rochester, New York CD Rates 2024. Below are the best one-year CD Rates from banks in Rochester, New York. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market ...SchoolsFirst Federal Credit Union: 4.25% APY, $20,000 minimum deposit. SchoolsFirst offers low minimum balances and CD terms from as short as 30 days to as long as five years. The more money you ...Stated APY based on 7-month term. APY varies based on term selected. 8-month CD Base APY: 4.53%. 9-month CD Base APY: 4.53%. 10-month CD Base APY: 4.52%. 3 CD Interest Rates APYs stated are for the term in bold print. APY may vary for terms in parentheses. Please call 1-800-362-1688 to obtain APY for other terms. 4 Transaction Limitations16 Month. 4.18%. 4.25%. $500.00. Effective Date: 4/1/2024. Limited time offer. $500.00 minimum to open and earn stated APY. Additional deposits are allowed during the term of the certificate. A penalty is imposed for early withdrawal. Upon maturity, 10 month certificate will convert to a 12 month certificate at the current rate.3.00%. 3.05%. Federally insured by NCUA. APY = Annual Percentage Yield. APY is accurate as of 9/21/2023. The minimum balance to earn interest on Share Term Certificates (STCs) is $250. Interest accrues as simple daily interest. Rates are fixed for the term of certificate and are determined by the length of the term.The maximum balance is $240,000 per CD. Customer can have multiple CDs. Penalty may be assessed for early withdrawal. Fees may reduce earnings. Available for personal, business, or IRA (Individual Retirement Account) CDs. For a complete list of account details and fees: Click here for Terms and Conditions. Reach your savings goals with steady ...The best CD rate from a nationally available institution is currently 5.65% APY, available from MutualOne Bank for 3 months. That's more than three times the FDIC's national average rate of 1.65% ...The Better Business Bureau (BBB) is a non-profit organization that aims to promote trust between consumers and businesses. One of the ways they do this is by providing ratings for ...U.S. Bank CD Special only offers traditional CD accounts. Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 4.95%, which is much higher than the national average for a CD account. $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.Credit unions may offer better dividends or interest rates on CDs. A 2023 comparison of bank and CD rates found that a credit union's national average interest rate was higher for $10,000 in CDs ...Most of Huntington Bank's CD rates aren't competitive with the best CD rates —or even average CD rates, which range from 0.22% for a one-month CD to 1.81% for a one-year CD as of April 15 ...PenFed Credit Union: High APYs for Long-Term CDs. Marcus by Goldman Sachs: Offers Multiple Types of CDs. Synchrony Bank: Long Rate Guarantee. Today's best CD rates and reviews of the 10 banks offering the best CD rates for 2024, including Bread Savings, Ally Bank and Synchrony.Find the latest Kinecta Federal Credit Union CD Rates, Offers, and Promotions here. Best CD Rates: 5.35% APY ($100k ,12-month Certificate Promotion, new money. Availability: NationwideRight now, the best 1-year CD rate is 5.40% APY from Apple Federal Credit Union and NexBank. Compare the highest 1-year CD rates available nationwide and their minimum deposits, terms, and more ...CDs typically pay higher interest rates than savings and money market accounts given the commitment to keep the funds on deposit. Start Application Rates are good 4/17/2024 through 5/21/2024It tracks rates for CD terms up to five years, which currently earn an average rate of 1.39% as of April 2024. Typically, you can expect 10-year CD rates to be similar to five-year rates. In our ...To verify current offers and rates, please call 904.204.1711 or 800.342.8416. CDs closed prior to maturity are subject to an early withdraw penalty. Explore the benefits of our CD accounts, providing competitive rates and flexible terms to help you achieve your savings goals and help you live your best life.We welcome you to visit our locations. Use our locator to find one of our offices near you. View interest rates of all the deposit programs offered by First Republic Bank — Certificate of Deposits (CD), Checking, Savings, Business Money Market accounts and more.Here are five of the best six-month certificates available now. CommunityWide Federal Credit Union CW Certificate Account: 5.30% APY. Quontic Bank Certificate of Deposit: 5.05% APY. Bethpage ...Do you know how to burn music onto a CD? Find out how to burn music onto a CD in this article from HowStuffWorks Advertisement There are many reasons to burn some or all of your mu...However, a drawback is that interest rates on traditional CDs may be lower than on promotional CDs or high-yield CDs discussed below. High-yield CD: High-yield CDs offer a high APY that could be better than promotional CD rates in some cases, so it's worth comparing promotional rate CDs against high-yield CDs when shopping around.Explore Our Best CD Rates. Certificates of Deposit Accounts Open a Certificate of Deposit Account Metro Members - open your's by logging into iBanking and navigating to "Open an Account". CDS APY * INTEREST RATE MINIMUM BALANCE TO EARN INTEREST MIN BALANCE TO OPEN ; 3 Months. 4.00 % 4.00 % $0.01: $500.00: 6 Months. 5.00 % 5.00 % $0.01: $500.00 ...Find the latest Kinecta Federal Credit Union CD Rates, Offers, and Promotions here. Best CD Rates: 5.35% APY ($100k ,12-month Certificate Promotion, new money. Availability: NationwideLendingClub is an online bank that offers six terms of CDs ranging from six months to five years. A $2,500 minimum deposit is required. In addition to CDs, LendingClub offers a high-yield savings ... CD Rates in California. CD Rates in Palo Cedro, California. Palo Cedro, California (CA) CD rates Axos Bank 0.20% APY; Navy Federal Credit Union 4.00% APY; Wells Fargo 1.50% APY; State Bank of India US 2.27% APY and Fremont Bank 4.00% APY. To see how these CD rates in Palo Cedro, California, and the surrounding area, compare to other rates, feel ... CD Rates in Minnesota May 2024. Updated May 1, 2024. Show me: CDs. Zip code. Please enter a valid zip code. Deposit amount. Current 1 year CD trends. Bankrate Partner average.See Current Rates For HomeStreet bank CDs and make a choice that suits you best. Skip to main content. Routing Number: 325084426 800-719-8080. Rates Locations About Us Community Contact Us Personal Business Loan Commercial Real Estate. Current CD Rates. See Our Current Rates For CDs ...Heritage Bank CD Rates: 6-Month Term 2.31% APY [Nationwide] US Postal Service Federal Credit Union CD Rates: Earn up to 0.70% APY [Nationwide] Cornerstone Bank CD Rates: 20-Month Term 2.29% APY [Nationwide] Disclosure: These responses are not provided or commissioned by the bank advertiser.To obtain the most current rates contact 800.854.9846 *APY=Annual Percentage Yield. Rates are subject to change after account is opened. Fees may reduce earnings. Refer to the Agreements and Disclosures for terms and conditions applicable specific accounts.Jan 5, 2024 · The best CD rate today is 5.75%, offered by INOVA Federal Credit Union for 8 months. You can also earn 5.60% to 5.70% on eight more CDs with terms of 3 to 15 months. 1/30 - Kinecta Federal Credit Union Offers Top-Rate 15-Month Promotional CD 1/30 - 15mo @ 5% CD Available to All 6/4 - Kinecta Federal Credit Union And Xceed …A message from Keith Sultemeier, President and Chief Executive Officer. Published 3/28/2023. I'm pleased to share we recently converted Kinecta's digital banking to a new platform with several great features and benefits, many of which our members had been asking for. The new platform offers you unified and convenient access to personal and ...Vio Bank CDs. With Vio Bank, savers can access CD terms of six months to 120 months and earn up to 5.25% APY. There's a $500 minimum to open an account, and interest is compounded daily. CD ...Tier 1- If your daily balance is $0.00 up to $49,999.99 you will earn an interest rate of 3.441% and an APY of 3.50%. Tier 2- If your daily balance is $50,000.00 up to $99,999.99 you will earn an interest rate of 3.441% with a 3.50% APY.CD Rates in New Jersey April 2024. Updated April 1, 2024. Show me: CDs. Zip code. Please enter a valid zip code. Deposit amount. Current 1 year CD trends. Bankrate Partner average.Updated: May 2, 2024, 11:31am. Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. For individuals with...As per CD rates *Annual Percentage Yield. Rates are subject to change. Penalty for early withdrawal prior to 59 1/2 years of age. Compounded Daily. Business CD requires a qualifying business checking account. MM/Certificates of Deposit: Queens, New Jersey and Hicksville Branches. Term Annual % Yield* Interest Rate; MMA: 0.60%: 0.5982%:(b) Your CD account will automatically renew at maturity for the same term length. You will have a grace period of seven calendar days after the maturity date to withdraw funds without penalty. We will notify you in advance of your account automatically renewing to provide the new maturity date, and you can contact us at (888) 636-9994 to learn ...The 9-month Promo CD will renew as a Regular 12-month CD after the first maturity and will renew as Regular 12-month CDs thereafter. At renewal the Online Promo CD interest rate will change. A penalty may be imposed for withdrawal made before maturity. Early Withdrawal Penalty may reduce the principle balance.Advantages of Certificates of Deposit (CDs) Maturity terms from 30 days to five years1. Interest calculated on a 365-day basis at a rate determined by the maturity term. Interest may be paid directly to you or added back to the CD. Interest rate is guaranteed according to maturity term.Leave a Comment. Find the latest Charles Schwab CD Rates, Offers, and Promotions here. Direct Link to Offer. Best CD Rates: 1-3 Month CDs 5.25% APY. 4-6 Month CDs 5.32% APY. 7-9 Month CDs 5.39% APY. 10-18 Month CDs 5.35% APY.Open an online Capital One 360 CD to earn an interest rate with guaranteed yield. Compare our CD terms and annual yield rates. Enjoy the protection of FDIC insurance and zero market risk with an online CD account.A 2023 comparison of bank and CD rates found that a credit union's national average interest rate was higher for $10,000 in CDs ranging from three months to five years.
Kinecta is the 35th-largest credit union in the nation serving more than 270,000 members with approximately $6.8 billion in assets. In 2021 we merged with Xceed Financial Credit Union, which grew out of Xerox Federal Credit Union and traces its history in the Rochester community back to 1931 when it was known as Rochester Postal Credit Union.. Gunsmiths in portland
4.25% $2,500. Best 18-Month CD Rates. We analyzed 142 CD accounts at 84 nationally available banks and credit unions to pinpoint the best CDs with 18-month …CD Rates Personal; Certificates of Deposit; CD Rates; My Location: *Annual Percentage Yields (APY) are accurate as of 05/02/2024 @ 6:01:15 AM and are subject to change without notice. Fees may reduce earnings. Rates are not effective until the account is opened. A penalty may be imposed for early withdrawal. ...We welcome you to visit our locations. Use our locator to find one of our offices near you. View interest rates of all the deposit programs offered by First Republic Bank — Certificate of Deposits (CD), Checking, Savings, Business Money Market accounts and more.Growing your savings on your schedule. Certificates of Deposit or CDs provide a safe investment with a fixed interest rate through maturity. Whether you're investing for a short-term goal or a longer-term financial need, our CDs provide the flexibility to help you grow your savings on your preferred timetable.California-based Kinecta Federal Credit Union (Kinecta) is starting out the Labor Day weekend with a new 18-month Promotional Certificate, which earns 2.75% APY. The minimum deposit is $1k, with no stated balance cap.We don't think exceptional service should be so exceptional. Get in touch with us 24/7/365 from anywhere in the world. Whether it's in a branch or over the phone, you'll talk to a real person. View Global Credit Union CD rates (certificate rates) from $500 to $250,000. A low-risk, insured investment opportunity to get higher rates and ...Kinecta Federal Credit Union $250 Wealth Management Bonus. Kinecta is offering up to $250 when new money is transferred into an investment account with Kinecta Wealth Management. $100 Mastercard® Gift Card will be given for a transfer of $50,000 to $149,999.7-month CD 1. 4.65% Annual Percentage Yield. Low minimum opening deposit of $2,500. Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty 2. Automatically renews on the maturity date.Please click on the Forgot Password link located below the Login box and follow the instructions provided. You can also contact us by sending us a chat from kinecta.org or calling our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international.Credit union CD rates are among the most competitive CD rates available. Review SCCU's latest CD rates, or contact us for more information on today's rates. If you're ready to open an SCCU CD account, visit one of our conveniently located branches near you or give us a call. Brevard: 321-752-2222; Broward: 954-704-5000; Miami-Dade: 305-882-5000Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.The best CD rates in Illinois can help you earn more on your savings. Learn more about current CD rates in Illinois. ... Promotional CDs include a nine-month CD (4.30% APY), one-year CD (5.25% APY ...The top rate of 6.00% in our daily ranking of the best nationwide CDs is available from two different institutions, with terms ranging from 9 to 17 months. A total of 13 nationally available CDs ....
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