A survey of CD rates at Web-only banks and traditional banks finds that Chase and other non-Internet banks average 6.29 percent, while the Internet banks average 6.875 percent. The survey was conducted by Financenter.com, whose CEO, Sherri Neasham, says the traditional banks' higher overhead is keeping their CD rates lower than those of Internet-only banks. However, consultant Burton Greenwald says non-Internet banks still benefit from consumers' reluctance to buy investment products online.