Savings
By Compiled by Derek Manson

(MONEY Magazine) – TOP CURRENT YIELDS % yield Min. invest Telephone BANK MONEY-MARKET ACCOUNTS

Average 0.74 ING Direct (Del.) 2.30 $1 877-469-0232 NetBank (Ga.) 2.30 100 888-256-6932 GMAC Bank (Del.) 2.30 500 866-246-2265 Zions First National Bank (Utah) 2.30 1,000 866-761-8349 Capital One FSB (Va.) 2.11 10,000 800-564-7426

TAXABLE MONEY-MARKET FUNDS

Average 0.75 PayPal Money Market Fund[1] 1.32 1 402-935-7733 RBB Money Market Portfolio/Sansom St. Cl.[1] 1.15 1,500 800-430-9618 Phoenix-Goodwin Money Market Series A 1.14 500 800-243-1574 Bunker Hill Money Market Fund1 1.13 5,000 800-572-9336 McMorgan Principal Preservation Fund[1] 1.09 5,000 800-831-1994

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.57 Alpine Municipal Money Market Fund[1] 1.10 2,500 800-221-4524 Vanguard Tax-Exempt Money Market Fund 1.02 3,000 800-851-4999 Strong Tax-Free Money Fund[1] 0.99 2,500 800-368-1030 Strong Municipal Money Market Fund 0.95 2,500 800-368-1030 Pacific Capital T/F Cash Assets Tr./0 0.87 1,000 800-228-7496

TAXABLE SHORT-TERM BOND FUNDS

Average 3.26 Principal Limited Term A[2] 6.29 1,000 800-451-5447 Phoenix-Goodwin Multi-Sector S/T A[3] 6.24 500 800-243-1574 Phoenix-Goodwin Multi-Sector S/T C 6.13 500 800-243-1574 Principal Limited Term B[4] 5.93 1,000 800-451-5447 Phoenix-Goodwin Multi-Sector S/T B[5] 5.87 500 800-243-1574

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 2.53 Evergreen High Income Muni C[6] 5.25 1,000 800-343-2898 Federated Limited-Term Municipal F[7] 3.80 1,500 800-341-7400 Strong Short-Term H/Y Muni Inv. 3.54 2,500 800-368-1030 Scudder Short-Term Muni Inv. 3.54 2,500 800-621-1048 Evergreen High Income Muni A[8]3.48 1,000 800-343-2898

SIX-MONTH CDs

Average 1.17 Legacy Bank (Okla.) 2.15 10,000 800-687-9688 Imperial Capital Bank (Calif.) 2.05 2,000 800-455-4485 IndyMac Bank FSB (Calif.) 2.00 1,000 800-734-6063 Resource Bank (Va.) 2.00 10,000 877-726-5463

ONE-YEAR CDs

Average 1.36 Advanta Bank Corporation (Utah)2.40 10,000 800-788-2632 ING Direct (Del.) 2.30 1 877-469-0232 5Star Bank (Colo.) 2.30 1,000 800-776-2265 MetLife Bank (N.J.) 2.30 1,000 866-226-5638

FIVE-YEAR CDs

Average 2.99 Capital One FSB (Va.) 4.03 10,000 800-564-7426 First Internet Bank of Indiana (Ind.) 4.02 1,000 888-873-3424 Nova Savings Bank (Pa.) 4.00 500 877-482-2650 Intervest National Bank (N.Y.) 4.00 2,500 877-226-5462

Savings notes and sources: CD and money-market account data as of March 11 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of March 10 and 11, 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 March 14 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 2.25% front-end load on investment under $50,000. [4]Maximum 1.25% back-end load for up to two years. [5]Maximum 2% back-end load for up to one year. [6]Maximum 1% front-end load; maximum 1% back-end load for up to one year. [7]Maximum 1% back-end load for up to four years for investment under $2 million. [8]Maximum 4.75% front-end load on investment under $50,000.