Savings
By Compiled by Tara Kalwarski

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

Average 0.47 VirtualBank (Fla.) 2.15 $100 877-998-2265 Bank of Internet USA (Calif.) 2.11 1,500 877-541-2634 MetLife Bank (N.J.) 2.01 5,000 866-226-5638 National InterBank (Ind.) 2.00 1 888-580-0043 Capital One FSB (Va.) 2.00 10,000 800-603-1424

TAXABLE MONEY-MARKET FUNDS

Average 0.51 PayPal Money Market Fund[1] 1.02 1 402-935-7733 Bunker Hill Money Market Fund[1] 0.87 5,000 800-572-9336 Phoenix-Goodwin Money Market Series A[1] 0.86 500 800-243-1574 McMorgan Principal Preservation[1] 0.84 5,000 800-788-9485 Flex-fund Money Market Fund[1] 0.82 2,500 800-325-3539

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.38 Alpine Municipal Money Market Fund[1] 0.92 2,500 888-785-5578 Vanguard Tax-Exempt Money Market Fund 0.81 3,000 800-851-4999 Strong Tax-Free Money Fund[1] 0.80 2,500 800-368-6860 Strong Municipal Money Market Fund[1] 0.66 2,500 800-368-6860 Scudder Tax-Exempt Money Fund 0.60 1,000 800-621-1048

TAXABLE SHORT-TERM BOND FUNDS

Average 1.79 Metropolitan West Low Duration Bond M 4.11 5,000 800-241-4671 American Performance S/T Income[2] 3.06 1,000 800-762-7085 Federated Limited Term A[3] 3.01 1,500 800-341-7400 Diamond Hill Short Term Fixed Inc. A[4] 2.93 2,500 888-226-5595 Strong Short Term Bond Inv. 2.90 2,500 800-368-6860

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 1.26 Strong Short-Term Municipal Bond Inv. 2.49 2,500 800-368-6860 Alpine Tax Optimized Income 2.22 2,500 888-785-5578 Scudder Short-Term Municipal Bond Inv.2.13 1,000 800-621-1048 BBH Tax Free Short/Intm. Fixed Income 1.84 1,000 800-625-5759 One Group Short Term Muni Bond A[5] 1.70 1,000 800-480-4111

SIX-MONTH CDs

Average 0.92 Stonebridge Bank (Pa.) 2.00 500 800-807-1666 IndyMac Bank FSB (Calif.) 2.00 5,000 800-734-6063 Quantum National Bank (Ga.) 1.90 5,000 800-533-6922 Ascencia Bank (Ky.) 1.86 500 877-369-2265

ONE-YEAR CDs

Average 1.13 ING Direct (Del.) 2.22 1 877-469-0232 Ascencia Bank (Ky.) 2.21 500 877-369-2265 Bank of Internet USA (Calif.) 2.21 1,000 877-541-2634 New South Federal Savings (Ala.) 2.20 5,000 866-450-7283

FIVE-YEAR CDs

Average 3.01 Capital One FSB (Va.) 4.22 10,000 800-603-1424 Advanta Bank (Utah) 4.17 10,000 800-788-2632 Bank of Internet USA (Calif.) 4.16 1,000 877-541-2634 Countrywide Bank (Va.) 4.11 10,000 800-479-4221

SAVINGS NOTES AND SOURCES: CD and money-market account data as of Mar. 9 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Mar. 8 and 9, 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 Feb. 29 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% front-end load on investment under $1 million. [3] Maximum 1% front-end load on investment under $1 million. [4] Maximum 2.75% front-end load on investment under $1 million. [5] Maximum 3% front-end load on investment under $1 million.