(MONEY Magazine) – TOP CURRENT YIELDS % Min. yield invest. Telephone Bank money-market accounts

AVERAGE 1.03 Nexity Bank (Ala.) 2.77 $1,000 877-738-6391 ING Direct (Del.) 2.75 1 800-464-3473 Stonebridge Bank (Pa.) 2.75 100 800-807-1666 NetBank (Ga.) 2.75 100 888-256-6932 IndyMac Bank (Calif.) 2.75 1,000 800-734-6063

Taxable money-market funds

AVERAGE 1.28 PayPal Money Market Fund[1] 1.87 1 402-935-7733 Touchstone Money Market Fund[1] 1.74 1,000 800-543-8721 Flex-funds Money Market Fund[1] 1.67 2,500 800-325-3539 TIAA-CREF Money Market Fund[1] 1.64 1,500 800-223-1200 Bunker Hill Money Market Fund 1.62 5,000 800-572-9336

Tax-exempt money-market funds

AVERAGE 0.88 Strong Tax-Free Money Fund[1] 1.39 2,500 800-368-1030 Vanguard Tax-Exempt Money Market Fund 1.35 3,000 800-851-4999 Strong Municipal Money Market Fund 1.25 2,500 800-368-1030 USAA Tax Exempt Money Market Fund 1.16 3,000 800-531-8448 American Cent. T/F Money Market Fund/Inv. 1.14 2,500 800-345-2021

Taxable short-term bond funds

AVERAGE 3.94 Principal Limited Term A[2] 6.29 1,000 800-451-5447 Prudential Short-Term Corporate B[3] 6.01 1,000 800-225-1852 Prudential Short-Term Corporate C[4] 5.95 2,500 800-225-1852 Principal Limited Term B[5] 5.93 1,000 800-451-5447 One Group Short-Term Bond A[6] 5.78 1,000 800-480-4111

Tax-exempt short-term bond funds

AVERAGE 3.09 Evergreen High Income Muni A[7] 6.01 1,000 800-343-2898 Evergreen High Income Muni B[8] 5.26 1,000 800-343-2898 Evergreen High Income Muni C[9] 5.25 1,000 800-343-2898 Strong Short-Term Muni Inv. 3.97 2,500 800-368-1030 Pimco CA Muni A[10] 3.73 2,500 888-877-4626

Six-month CDs

AVERAGE 1.68 Southern Pacific Bank (Calif.) 2.65 5,000 800-428-5056 Legacy Bank (Okla.) 2.65 10,000 800-687-9688 Ascencia Bank[11] (Ky.) 2.60 500 877-369-2265 Imperial Capital Bank (Calif.) 2.60 2,000 800-455-4485

One-year CDs

AVERAGE 1.96 Southern Pacific Bank (Calif.) 3.05 5,000 800-428-5056 NetBank (Ga.) 3.05 1,000 888-256-6932 ING Direct (Del.) 3.00 1 800-464-3473 New South Federal Savings Bank (Ala.) 3.00 5,000 800-366-3030

Five-year CDs

AVERAGE 3.92 ING Direct (Del.) 5.00 1 800-464-3473 Everbank.com (Del.) 5.00 1,500 888-882-3837 Bankfirst (S.D.) 5.00 10,000 800-328-2411 NetBank (Ga.) 4.96 1,000 888-256-6932

Savings notes and sources: CD and money-market account data as of Aug. 6 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Aug. 5 and Aug. 6, respectively, from Money Fund Report (www.imoneynet.com); all have a minimum investment of $10,000 or less and assets of $25 million or more. Short-term bond fund data as of Aug. 9 from Morningstar; all are medium- and high-quality funds with average maturities of three years or less. [1]Manager absorbed all or some operating expenses. [2]Maximum 1.5% front-end load on investment under $50,000. [3]Maximum 3% back-end load up to one year. [4]Maximum 1% front-end load, maximum 1% back-end load up to 18 months. [5]Maximum 1.25% back-end load up to two years. [6]Maximum 3% front-end load on investment under $100,000. [7]Maximum 4.75% front-end load on investment under $50,000. [8]Maximum 5% back-end load up to one year. [9]Maximum 2% back-end load up to one year. [10]Maximum 3% front-end load on investment under $50,000. [11]Previously USAccess Bank.