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

Average 0.45 VirtualBank (Fla.) 2.15 $100 877-998-2265 Bank of Internet USA (Calif.) 2.11 1,500 877-541-2634 ING Direct (Del.) 2.10 1 877-469-0232 UFB Direct (Calif.) 2.10 1 888-703-0317 National InterBank (Ind.) 2.05 1 888-580-0043

TAXABLE MONEY-MARKET FUNDS

Average 0.70 PayPal Money Market Fund[1] 1.19 1 402-935-7733 Scudder Prem. Money Mkt. Shares AARP[1] 1.15 500 800-253-2277 TIAA-CREF Money Market Fund 1.08 2,500 800-223-1200 Scudder Prime Reserve Money Mkt. AARP[1] 1.05 500 800-253-2277 Transamerica Premier Cash Res. Inv.[1] 1.03 1,000 800-892-7587

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.48 Vanguard Tax-Exempt Money Market Fund 0.95 3,000 800-851-4999 Alpine Municipal Money Market Fund Inv.[1] 0.93 2,500 888-785-5578 Strong Tax-Free Money Fund[1] 0.85 2,500 800-368-6860 Strong Municipal Money Market Fund[1] 0.69 2,500 800-368-6860 American Century T-F Money Mkt. Fnd. Inv. 0.68 2,500 800-345-2021

TAXABLE SHORT-TERM BOND FUNDS

Average 2.12 Metropolitan West Low Duration Bond M 4.07 5,000 800-241-4671 Dreyfus Premier Short-Term Income A[2] 3.29 1,000 800-896-8170 Strong Short-Term Income Inv. 3.18 2,500 800-368-6860 Vanguard Short-Term Bond Inv. 3.17 3,000 800-851-4999 Vanguard Short-Term Corporate Inv. 3.16 3,000 800-851-4999

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 1.89 Strong Short-Term Municipal Bond Inv. 3.18 2,500 800-368-6860 Pimco Short Duration Municipal A[3] 3.07 5,000 800-426-0107 Scudder Short-Term Municipal Bond Inv. 2.47 1,000 800-621-1048 Alpine Tax Optimized Income Inv. 2.39 2,500 888-785-5578 One Group Short Term Muni Bond A[4] 2.26 1,000 800-480-4111

SIX-MONTH CDs

Average 1.12 Corus Bank (Ill.) 2.36 10,000 800-989-5101 IndyMac Bank FSB (Calif.) 2.35 5,000 800-734-6063 Ascencia Bank (Ky.) 2.17 500 877-369-2265 giantbank.com (Fla.) 2.16 2,500 877-446-4200

ONE-YEAR CDs

Average 1.53 Ascencia Bank (Ky.) 2.80 500 877-369-2265 Corus Bank (Ill.) 2.78 10,000 800-989-5101 giantbank.com (Fla.) 2.76 2,500 877-446-4200 Centennial Bank (Calif.) 2.76 10,000 800-251-0705

FIVE-YEAR CDs

Average 3.59 Capital One FSB (Va.) 4.81 5,000 800-603-1424 Intervest National Bank (N.Y.) 4.80 2,500 212-218-8383 Allied First Bank (Ill.) 4.70 500 800-272-3286 Advanta Bank (Utah) 4.70 10,000 800-788-2632

SAVINGS NOTES AND SOURCES: CD and money-market account data as of July 13 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of July 12 and July 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 June 30 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 3% front-end load on investment under $250,000. [3] Maximum 2% front-end load on investment under $250,000. [4] Maximum 3% front-end load on investment under $1 million.