Most CD rates are looking anemic across the nation. But there are a number of smaller banks, credit unions and some wholly unusual sources that are offering rates above the national average.

As an example of the latter, Clark recently saw a banner ad on The Boston Globe website for a 5-year CD at 3.75%. He clicked through and sure enough it was a real deal available to members of AAA. That means tens of millions of people in the United States could take advantage of this deal!

3.75% is the highest interest rate available anywhere in America, according to BankRate.com. In addition, AAA is offering 3.25% for a 3-year CD. (Editor's note: Rates accurate as of May 29, 2009.)

If you're searching for more great rates, you can also try looking locally at any small bank in your town. Remember, your money is protected up to $250,000 with the FDIC, or with the NCUA if you're talking about a credit union.

Clark also recommends laddering your CD investments (1 year, 3 years, 5 years) so you always have money maturing. That way you have some money available should a more attractive interest rate present itself down the road.