CD Thread - Post The Best Nationally Available Rates
-
XCEL Federal Credit Union has an 18 month promo CD at 5.12% APY w/$500 minimum deposit, new money, no stated balance cap.
Also available as a traditional or Roth IRA.
Easy membership requirement by joining Ocean Running Club ($15 fee).
The 18 month promo CD is not listed on XCEL’s online application. The CSR stated that existing members can open the CD using XCEL’s online banking platform or by calling 973.275.9235. Those joining XCEL must establish their membership and then contact XCEL to open the promo CD.
-
Signature Federal Credit Union has a 6 month CD at 5.00% APY with a $500 min/$250k max deposit, limit of one Certificate per account.
Easy membership requirement (Signature FCU will enroll you into American Consumer Council (ACC), at no cost to you, therefore making you eligible for membership).
-
-
Mountain America Credit Union (MACU) has a 12-month CD at 5.25% APY with $500 minimum deposit and no stated balance cap. Easy membership requirement w/ACC membership. New members – call 1-800-748-4302 to open an account (or visit their nearest branch). A minimum $1 deposit in a Primary Savings account establishes a MACU membership.
They also offer a 12-month Growth CD at 5.25% APY with $5 minimum deposit up to a maximum of 100K. Additional funds may be added any time up to the 100K cap. Minimum $10 automatic monthly deposit requirement.
MACU also offers a 12-month Youth CD at 5.35% APY with a $5 minimum deposit and a stated balance cap of 100K. Additional deposits of up to 10K can be made annually up to age 27 (but not more than the stated balance cap).
-
Ally 11mo no-penalty CDs are now at 4.00% APY.
-
For anyone interested, Ally now has an 18-month CD at 5.00% APY.
-
Update: NFCU 15mo add-on Special CD at 5.00% APY offer will now expire March 5th (originally supposed to expire 4/30). If you’re interested in this CD and qualify for same, I would suggest you open it asap. $50 min/$250K max deposit, limit one per member, additional deposits at any time.
-
Ally 11-month no-penalty CDs have increased from 4.00% APY to 4.75% APY
-
NFCU has a "Special Easy Start 12 month CD for 4.85% APY. $50 minimum deposit.
https://www.navyfederal.org/checking-savings/savings/savings-resources/certificate-rates.html
-
CFG Bank has a 12 month CD with 5.15% APY. $500 minimum to get the APY.
https://www.cfg.bank/personal-banking/personal-deposit-rates/
-
Forbright Bank has a 12 month CD paying 5.25% APY. $1,000 minimum to open.
https://open.forbrightbank.com/products?customerCategory=individual&productType=all
-
Sun Canyon Bank has a 1-year CD Special at 5.35% APY w/$5k minimum deposit. Available nationwide thru online application.
-
@platypus Apparently this promo rate at Forbright is no longer available
-
12 month flex index CD at Merchant’s Bank with current APY of 5.39%
-
Note for CDs at Merchant’s Bank of Indiana posted above: the no cost “sweep program” with this account lets you FDIC insure up to $1M.
-
Ally 11-month No Penalty CD is DOWN from 4.75% APY to 4.35% APY.
-
Langley Federal Credit Union has a 22-month Promotional Certificate at 5.35% APY w/$500 minimum deposit. No max deposit, includes IRA Certificates. Easy membership (no requirements).
-
For those who didn’t get in on the Ally 11mo no-penalty CDs when they were at 4.75% APY (they are now at 4.35% APY), CIT Bank offers a 11mo no-penalty CD at 4.80% APY (but unlike Ally, the minimum to open this CD is 1K).
-
Ally 11-month no penalty CD is DOWN (again) to 4.25% APY.
-
Brio has a 12 month CD with 5.25% APY
Sun Canyon Bank still has a 5.35% 12 month CD, but it’s not shown on their front page. Just start an application for a new account & the 12 month CD rate is 5.35%.
-
Northern Bank Direct
9 month CD 5.50%
https://northernbankdirect.com/
-
NASA Federal CU has some Share Certificate Specials –
9-month (5.50% APY)
15-month (5.30% APY)
49-month (4.60% APY)Minimum $10k deposit, new money, available May 1 through May 31, 2023.
Easy membership requirement via free membership in the American Consumer Council (ACC).
-
Update: No longer available
Andrews FCU
Celebrate 75 Years of Service with our new Celebration Share Certificate.
5.75% APY for 7.5 months
-
NASA Federal Credit Union new Share Certificate Specials –
9-month (5.65% APY)
15-month (5.45% APY)
49-month (4.85% APY)Minimum $10K deposit, new money, available through June 30, 2023.
Easy membership requirement via free membership in the American Consumer Council (ACC).
-
First Internet Bank now has a 12 month CD at 5.48% APY w/1K minimum deposit.
-
USALLIANCE Financial has an 18-Month CD Special at 5.70% APY w/ $500 minimum deposit. Easy membership requirement.
-
@turtlebug said in CD Thread - Post The Best Nationally Available Rates:
NASA Federal Credit Union new Share Certificate Specials –
9-month (5.65% APY)
15-month (5.45% APY)
49-month (4.85% APY)Minimum $10K deposit, new money, available through June 30, 2023.
Easy membership requirement via free membership in the American Consumer Council (ACC).Share Special Certificates appear to have been extended through July 31, 2023.
-
Ally 11mo No-Penalty CD now at 4.55% APY.
-
Finworth (an online division of INSBANK) now has an 18-month CD at 5.52% APY w/$50k minimum/$240k maximum deposit per CD.
-
Northern Bank Direct has an 11-Month CD at 5.60% APY w/$500 minimum deposit & no stated balance cap. Note: Ownership – individual, joint, or trust & beneficiaries are not allowed.
-
Andrews FCU is offering a 7.5 month CD at 5.75% APY. 1K min/250K max. Anyone can join with ACC (American Consumer Council) membership.
-
Citizen State Bank has a 15-Month CD Special at 5.75% APY w/$10k minimum deposit.
8/3/23 edit - Availability has been changed from Nationwide to Wisconsin only.
-
NexBank has a 12-Month Promo Online CD at 5.60% APY w/$25k minimum deposit (new money).
-
deleted
-
American 1 Credit Union is offering a 6.00% APY rate on a 12-month CD. Minimum $1,000 to open. Seems like this is available nationwide. There is a hard pull to join the credit union and there is a $3-$8 cost…
According to Looney Tunes on doctorofcredit, per customer service: “In order to become a member, you will need to fill out an application and undergo a hard credit pull (verification). You must be a United States resident with a valid Social Security Number and Government-issued photo ID. There is a start-up cost of eight dollars. $3.00 is for the Co-Op membership fee, and $5 will be deposited into your savings account to keep the membership open.”
-
All In Credit Union now has a 12-month Smart Start CD at 5.75% APY w/ $25 minimum opening deposit. Unlimited additional deposits allowed throughout the term.
Easy membership requirement - individuals who join the Fort Rucker/Wiregrass Chapter of the Association of United States Army (AUSA)(https://www.ausawiregrass.org/) qualify for All In membership. AUSA offers a free 2-year Basic Membership to “concerned citizens.”
A Share Savings account ($5 minimum) is required to establish an All In membership, along with a $1 one-time membership fee.
-
Sandia Area Fed Credit Union (overall health grade of “A” at depositAccounts.com) now offers a 13-Month Share Certificate Special at 6.00% APY with a $500 minimum opening deposit. A one-time penalty-free withdrawal of up to 50% of total balance is allowed and any withdrawal made subsequent to the one penalty-free withdrawal is subject to a penalty of 90 days of interest on the amount being withdrawn.
Easy membership requirement (Sandia Area has a rather subjective requirement: “Persons who subscribe to the permaculture ethics, consisting of the following principles: care of the earth, care of people, and reinvesting surplus for the benefit of earth and people.”) and there are no membership enrollment fees, just the $5 share deposit to get your membership established.
-
Bayer Heritage Federal Credit Union
6.18% APY 12-Month CD
Easy membership requirement through the American Consumer Council,
https://www.bayerhfcu.com/santahelper
-
I went to the ACC page to establish membership. There is a $15 fee for individual membership. Just use promo code “consumer” & membership is free! I applied for an account but havenut heard back from them. Their website shows they had a network problem on 11/1 & are still in the process of getting their network back up, especially at branches. Makes me a little nervous. I hope the info I submitted is secure. Anyone else heard back from them & what was the timeframe?
-
edit 1/03/24 The KS StateBank 11mo CD Special dropped to 5% - no longer a decent deal**
KS StateBank has an 11-month CD Special at 5.65% APY w/ $25k minimum opening deposit which can be opened online nationwide. Partial withdrawals are allowed, but any early withdrawal made within six months of account opening will reduce the principal.
NASA Federal Credit Union’s January rates for their 9mo and 15mo Special Certificates remained the same as they offered in December: 5.70% APY on the 9mo and 5.45% APY on the 15mo. 10K minimum each, new money. They also have a 49mo Certificate at 4.75% APY if you wish to lock up your money for a longer period of time. NASA FCU will provide a one-year complimentary affiliated membership in the National Space Society (NSS) which entitles you full membership at the credit union.
-
T Bank has a 13-month CD Special at 5.65% APY w/$1k minimum opening deposit & no stated balance cap. Nationwide thru online application.
-
Florida residents only, or relatives of a current Space Coast Credit Union member. Space Coast Credit Union has a 12-month CD with a 5.61 APY, $500 minimum deposit. 180-day interest penalty for early withdrawal, and will deduct the amount from the principal if the account is less than 180 days old or the interest has already been paid out. Requires Florida residency and a $5 share account. I applied and they do check your driver’s license for residency. Waiting for approval on the $5 account and then I can buy the CD.
https://www.sccu.com/personal/cds
– Z –
-
Climate First Bank is offering a 5.34% APY 6-month CD Special (no penalty), $500 minimum and a 5.34% APY 15-month Flex CD Special (partial no penalty and add-on), $500 min; new money required. Nationwide through online application.
6-Month No-Penalty CD Special
$500 minimum opening deposit and minimum required balance.
New money only. “Deposits and investments not previously held by Climate First Bank.”
No withdrawals allowed within the first seven days after account opening, but unlimited withdrawals allowed any time after first 7 days.15-Month Flex CD Special
$500 minimum opening deposit and minimum required balance.
New money only. “Deposits and investments not previously held by Climate First Bank.”
Additional deposits in increments of $100 up to one-half of the initial principal balance are allowed throughout the term.
One withdrawal of up to ½ of initial principal balance without penalty after the first seven days of account opening.
90 days interest penalty on withdrawals that exceed ½ of the initial principal balance and on any withdrawals after the first (penalty-free) withdrawal.
One-time rate bump at any time during the term.
-
Del Norte Credit Union is offering a 13-month Share Certificate Specia at 5.65% APY with a $1k minimum deposit.
Del Norte Credit Union’s field of membership has expanded to include an easy membership requirement. U.S. citizens/residents aliens with a valid tax identification number who join the Del Norte LOV Foundation qualify for credit union membership. Joining is free (although they will gladly accept a donation) and can be done through the DNCU online membership application. There is the possibility that the nationwide availability could change if DNCU is inundated with out-of-state applications.
-
1/18/24 edit - 7-month CD Special rate has dropped to 5.11% APY
Citizens State Bank has a 7-month CD Special at 5.75% APY with a 10k minimum deposit.
-
Ally 11mo No-Penalty CD decreased again from 4.50% APY to 4.35% APY (same rate as their Savings Account, which leads me to believe that that is about to decrease as well…)
Ally 12mo CD decreased again from 5.15% APY to 5.00% APY
(Ally 9mo CD is at 5.15% APY, in case anyone is interested)
-
Credit One Bank has a 12-month Jumbo CD at 5.60% APY w/100k minimum deposit.
-
Global Innovations Bank has a 12-month CD Special at 5.61% APY w/10k minimum opening deposit.
“The 12-month CD Special can only be opened online using CD Valet. The “Open Now” button at CD Valet takes the user to the start of the online application at Global Innovations’ website. The Global Innovations website does not list the 12-month CD Special (or any other CD). While there is an “Apply Now” button on the Global Innovations CDs and IRAs page, it leads to a “Contact Me” form that gathers personal information.” ~ depositaccounts.com
- Surprisingly, there is no ACH (incoming or outgoing) transfer service.
- Funding – Wire ($20 fee) or cashier’s check.
- Maturing Funds* – Wire ($20 fee) or cashier’s check to address on file.
- Grace Period – None. Will automatically renew if you do not contact Global Innovations before maturity date to submit instructions for distribution (wire or cashier’s check).
-
Greenwood Credit Union offers a 9-month CD at 5.50% APY w/1k minimum deposit. The only requirement is to “open and maintain a Share Account with a minimum of a $5 balance.” No charitable foundation or association to join.
-
Ally 11mo No-Penalty CD decreased again from 4.35% APY to 4.25% APY (now lower than their Savings Account rate, still holding steady at 4.35% APY as of today…)
Ally 12mo CD decreased again from 5.00% APY to 4.90% APY
Ally 9mo CD decreased from 5.15% APY to 4.95% APY
(Ally 6mo CD at 5.05% APY, in case anyone is interested)
