Let's face it, the return on 3 Month CD's is abysmal, Ally is offering a not-so-great .39%, USAA .45%, and the winner is OneWest Bank coming in at .60%.

That's right, there's just one word if you are hoping to score higher CD rates -- forgetaboutit.

The best one year (12 month) CD you can lock into today is only at 1.27% APY.  They get worse if you are trying to discover a 3 month or 6 month option.

Let's hope at some point certificates of deposit become a better option that can possibly yield 2% or more.  Gone are the 12 month 4% APY rates days prior to 2009, we pray they come back at some point. 

The best bang for your buck CD deals are the 12 month terms as we head into Summer 2011.  Thanks to Google's Advisor the banks to check our are NEXITY Bank, Connexus Credit Union, and AuroraBank.

You can lock in a 1.27% APY for one year, its not that great, but its the best the web can find. 

Make sure to check your local zip code offers using Google's Advisor, maybe you can do better than the national deals.

High Yield CD rates are hardly "high yield" this week (March 19th).  Our search did turn up an offer from  Ascencia Bank at 1.3% for 12 months.  The best part is you only need to put down $500 minimum to open an account.

Our best advice for you CD shoppers this week: check your local banks.  You can do so using Google's Compare CD tool by entering your zipcode.

You can still find a 3% APY High Yield CD, but you have to have ten damn years to spare. Thanks to Google's (NASDAQ:GOOG) wonderful new CD Rate Compare Tool you can find the best deals in seconds without the hastle of pop-up ads or frusterating navigation.

If you have the patience of 10 years and $2,500 down you to can enjoy a 3% APY CD from Discover Bank.

Move over BankRate.com, CDRates.org, BankaHolic.com here comes Google (NASDAQ:GOOG) with their own CD, Mortgages, Credit Cards, Checking, and Savings compare tool.  You can find the best rates nationwide and local offers using your zipcode.

Google has made comparing rates easy, intuitive, and not busy with all the competitors sites ads and akward navigation to decipher.  Hands down Masters, this is the best CD online tool we have ever experienced and of course its from Google.  Enter google.com/ComparisonAds and see for yourself.

Why waste your time with a regular savings or checking accounts, by now you've heard of "high yield savings accounts" and some of them have no monthly fees, like the latest offering from SallieMae. 

Ask your local community bank if they offer a high-yield savings account and if they don't, you can always go with one of the big banks, like HSBC (NYSE:HBC) or a money market account with EverBank.

With investor sentiment hitting new lows, its time to review the nationwide high yield cd offers, even if they are low.  Instead of watching your portfolio sway back and forth with the 100+ point swings in the Dow Jones, locking your money away for 12 months doesn't sound that bad.

The best national offers this week come from Ally and Aurora Bank.