iGObanking has a high APY for their 15 month certificate of deposit at 4.00% APY. This is somewhat of a nonstandard rate since most banks offer 12 month CDs and 18 month CDs with nothing in between. Countrywide bank in comparison has their 12 month CD at 3.50% APY and their 18 month CD at 3.25% APY.  This is a high CD APY with a bank that is FDIC insured.  iGObanking has a $500 minimum to open a CD account.