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

BANK MONEY-MARKET ACCOUNTS

Average 0.49 Bank of Internet USA (Calif.) 2.11 $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 Capital One FSB (Va.) 2.00 10,000 800-603-1424

TAXABLE MONEY-MARKET FUNDS

Average 0.52 PayPal Money Market Fund[1] 1.05 1 402-935-7733 GE Money Market Fund 0.91 500 800-242-0134 McMorgan Principal Preservation[1] 0.87 5,000 800-788-9485 Phoenix-Goodwin Money Market Series A[1] 0.84 500 800-243-1574 Flex-fund Money Market Fund[1] 0.84 2,500 800-325-3539

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.43 Alpine Municipal Money Market Fund[1] 1.00 2,500 888-785-5578 Strong Tax-Free Money Fund[1] 0.85 2,500 800-368-6860 Vanguard Tax-Exempt Money Market Fund 0.85 3,000 800-851-4999 Strong Municipal Money Market Fund 0.70 2,500 800-368-6860 American Century T-F Money Mkt. Fd. Inv. 0.64 2,500 800-345-2021

TAXABLE SHORT-TERM BOND FUNDS

Average 2.16 William Blair Income N 4.59 5,000 800-742-7272 Metropolitan West Low Duration Bond M 4.24 5,000 800-241-4671 Phoenix-Goodwin Multi-Sector S/T Bond A[2] 3.99 500 800-243-1574 McMorgan Intermediate Fixed-Income 3.46 5,000 800-788-9485 StoneRidge Bond 3.41 1,000 800-441-6978

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 1.63 Oppenheimer Limited Term Municipal A[3] 4.07 1,000 800-525-7048 Evergreen Short-Interm. Municipal A[4] 2.81 1,000 800-343-2898 Strong Short-Term Municipal Bond Inv. 2.63 2,500 800-368-6860 Nuveen Limited Term Municipal Bond A[5] 2.46 3,000 800-257-8787 Scudder Short-Term Municipal Bond Inv. 2.38 1,000 800-621-1048

SIX-MONTH CDs

Average 0.93 Ascencia Bank (Ky.) 1.83 500 877-369-2265 Imperial Capital Bank (Calif.) 1.81 2,000 877-906-4852 New South Federal Savings (Ala.) 1.81 5,000 866-450-7283 Legacy Bank (Okla.) 1.81 10,000 800-687-9688

ONE-YEAR CDs

Average 1.15 Fireside Thrift Company (Calif.) 2.22 50,000 877-326-4167 ING Direct (Del.) 2.15 1 877-469-0232 Exchange Bank (Neb.) 2.15 2,500 866-352-1750 New South Federal Savings (Ala.) 2.15 5,000 866-450-7283

FIVE-YEAR CDs

Average 3.11 Capital One FSB (Va.) 4.29 10,000 800-603-1424 Principal Bank (Iowa) 4.26 1,000 800-672-3343 ING Direct (Del.) 4.25 1 877-469-0232 Countrywide Bank (Va.) 4.20 10,000 800-479-4221

SAVINGS NOTES AND SOURCES: CD and money-market account data as of Jan. 13 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Jan. 12 and 13, 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 Dec. 31 from Lipper; 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 $1 million. [3] Maximum 4.75% front-end load on investment under $1 million. [4] Maximum 3.25% front-end load on investment under $1 million. [5] Maximum 2.5% front-end load on investment under $1 million.