(MONEY Magazine) – % Min. TOP CURRENT YIELDS yield invest. Telephone

BANK MONEY-MARKET ACCOUNTS

Average 0.50 Bank of Internet USA (Calif.) 2.21 $1,500 877-541-2634 VirtualBank (Fla.) 2.10 100 877-998-2265 National InterBank (Ind.) 2.05 1 888-580-0043 MetLife Bank (N.J.) 2.01 5,000 866-226-5638 ING Direct (Del.) 2.00 1 877-469-0232

TAXABLE MONEY-MARKET FUNDS

Average 0.53 PayPal Money Market Fund[1] 1.02 1 402-935-7733 GE Money Market Fund 0.92 500 800-242-0134 Bunker Hill Money Market Fund[1] 0.87 5,000 800-572-9336 Centennial Money Market Trust[1] 0.86 500 800-525-9310 Flex-fund Money Market Fund[1] 0.85 2,500 800-325-3539

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.53 Alpine Municipal Money Market Fund[1] 1.14 2,500 888-785-5578 Strong Tax-Free Money Fund[1] 0.96 2,500 800-368-6860 Vanguard Tax-Exempt Money Market Fund 0.93 3,000 800-851-4999 Strong Municipal Money Market Fund 0.82 2,500 800-368-6860 USAA Tax-Exempt Money Market Fund 0.77 3,000 800-531-8448

TAXABLE SHORT-TERM BOND FUNDS

Average 2.10 Metropolitan West Low Duration Bond M 3.88 5,000 800-241-4671 William Blair Income N 3.81 5,000 800-742-7272 Phoenix-Goodwin Multi-Sector S/T Bond A[2] 3.64 500 800-243-4361 American Funds Int. Bond Fund of Amer. 529A[3] 3.44 250 800-421-0180 Babson Bond S 3.32 500 800-422-2766

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 1.57 Oppenheimer Limited Term Municipal A[4] 4.78 1,000 800-525-7048 Strong Short-Term Municipal Bond Inv. 2.65 2,500 800-368-6860 Nuveen Limited Term Municipal Bond A[5] 2.40 3,000 800-257-8787 Scudder Short-Term Municipal Bond Inv.2.25 1,000 800-730-1313 Schwab Short/Interm. Tax-Free Bond 2.08 2,500 800-435-4000

SIX-MONTH CDS

Average 0.93 IndyMac Bank FSB (Calif.) 1.95 5,000 800-734-6063 Quantum National Bank (Ga.) 1.85 5,000 800-533-6922 Giantbank.com (Fla.) 1.84 2,500 877-446-4200 Ascencia Bank (Ky.) 1.83 500 877-369-2265

ONE-YEAR CDS

Average 1.13 Capital One FSB (Va.) 2.16 10,000 800-603-1424 IndyMac Bank FSB (Calif.) 2.15 5,000 800-734-6063 Giantbank.com (Fla.) 2.14 2,500 877-446-4200 Ascencia Bank (Ky.) 2.13 500 877-369-2265

FIVE-YEAR CDS

Average 3.10 Capital One FSB (Va.) 4.20 10,000 800-603-1424 Bank of Internet USA (Calif.) 4.16 1,000 877-541-2634 Intervest National Bank (N.Y.) 4.15 2,500 877-226-5462 Countrywide Bank (Va.) 4.15 10,000 800-479-4221

Savings notes and sources: CD and money-market account data as of Nov. 18 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Nov. 17 and 18, respectively, from Money Fund Report (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 Oct. 31 from Lipper, New York (877-955-4773); 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 2.25% front-end load on investment under $50,000. [3] Maximum 5.75% front-end load on investment under $1 million. [4] Maximum 4.75% front-end load on investment under $1 million. [5] Maximum 2.5% front-end load on investment under $1 million.