Investment question

[Kur]

Just a few questions about CD's..

Is it worth it?
What's a good amount to start at (I only make $25k a year)?
What's a nice % starting? 4? 5?
Would you suggest an online CD or local branch only CD?
What kind of return can I exspect from a 4 month CD? A year CD?

I'm looking for something better then my current savings which is only .9%.

Thanks!

 

[BigJelly]

SEE EDIT
Try an online HYMM.

My capital one account gets 4.4% return.

Link

EDIT:

Originally posted by: Capt Caveman
Etrade Online Savings Account is paying 5.05%

OP use etrade, if you go the HYMM route, their returns are better

 

[Capt Caveman]

Etrade Online Savings Account is paying 5.05%

 

[Lithium381]

i get 4.9% with BofA online CD......4mo term

 

[Eeezee]

I'm disappointed in most CDs; you can get 5% on most online savings accounts, and that's typically what you'll find of CDs. To get higher rates you have to dump in a lot of money, but at that point you may as well be playing the stock market to get higher yields.