Don't fall for unusually high savings rates.

While FDIC insurance levels have risen, you still don't want to find yourself at a faltering institution. One easy-to-spot sign of a troubled bank is when they offer interest rates for savings accounts and CDs that are significantly above current market rates.

Often the banks that offer these high rates are trolling for deposits to cover up other problems. (This is exactly what Washington Mutual did the week before it went under.) Protect yourself and your money — make sure your bank is an FDIC member and make sure your deposits fall within the FDIC insurance limits.

Click here to read our five warning signs your bank could be in trouble.

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