We’re on the cusp of the summer doldrums, but you can liven things up with a few decent interest rate, especially in the certificate of deposit and the money market sectors.

Here’s a quick look:

Certificates of Deposit

If you’re in the military, or if you’re related to a military member, or actually work for a military employer, Pentagon Federal Deposit Union has some nice CD deals.

At the top of that list is a three-year CD with a 2.78% APY, and a four-year model with a 3.14% APY. Pentagon Federal also offers a five- and seven-year CD deal with a 3.51% APY.

Rates are guaranteed as of July 14, 2009, and you’ll need a $1,000 minimum deposit to get in on the action.

Getting in may not be as hard as you think. If you’re in the military, just bypass “Go” and head straight to the Union’s Web site.

If not, you can join the National Military Family Association (it comes with a $20 membership fee) and can sign up right away with PenFed online.

Money Markets

There’s a slew of good deals on the money market front, and some of them from the nation’s top banks. That’s been more the exception than the rule of late, as banks have sat on cash amidst a severe credit crunch – and haven’t come through in a big way with great bank rate deals.

Breaking that mold this week is AIG Bank (Stock Quote: AIG), which has a money market deal featuring a yield of 1.75% on a money market purchase with a $2,500 minimum. That rate rises to 1.86% if you can manage a $10,000 minimum investment. You can apply over the phone or at the bank’s Web site.

The Bank of the Internet also has a decent deal on money market accounts - a 1.70% yield on a money market savings account with a $100 minimum investment. Better yet, there are no fees attached to the deal, and there’s a five-year archive of online statements and paid checks for your review.

And, if your account goes under the magic $100 mark, you still get the great rate. Find out more at the bank’s Web site.

Savings Accounts

We’ve been meaning to get to this deal for some time, but the fact that it’s still very much alive attests to its popularity.

We’re talking about Wachovia’s (Stock Quote: WB) “Way2Save” program, where the bank transfers $1 from your Wachovia checking account to your Way2Save bank savings account every time you make a check card purchase, or pay a bill online (including each automatic debit).

There’s a bonus involved, too. Wachovia will give you a 5% bonus on your savings during the first year of your account, and 2% for the next two years after that.

Not a bad deal. Find out more here.

While these deals are good ones, they’re certainly not the only ones. So, as always, for the very best bank deals, check out BankingMyWay.

— For more ways to save, spend, invest and borrow, visit MainStreet.com.