CD Thread - Post The Best Nationally Available Rates
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According to depositaccounts, United Texas Bank raises 12-Month CD to 2.80% APY - available nationwide.
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Freedom Credit Union adds a nationally available 30-Month CD at 3.56% APY; requires a minimum $500 deposit of new money, with no stated balance cap. There is also a 30-month Youth CD (3.56% APY) for members 25 years and younger, which requires a $250 minimum deposit of new money.
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This post is deleted!
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PurePoint Financial 12 months @ 2.60%. Synchrony Bank’s 13 Months @ 2.65%.
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NASA Federal Credit Union is now offering a 15-month CD at 3.25% APY, 5K minimum new money.
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AgFed Credit Union added a 16mo CD at 3.16% APY; $1,6K minimum deposit (new money). Should be a limited-time deal.
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Ally 11-month no penalty CD went up to 2.10%.
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Penfed is paying 2.6% for a 1 year cd.
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For anyone who might be interested, Navy Federal Credit Union is offering a 24-month CD at 3.00% APY (Share Certificate/IRA/ESA) with minimum of $10,000 new money.
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Technically not just for a CD, but Ally’s offering an extra 1% on a CD, savings, or checking account if you put new money in by Oct. 31. Have to sign up for it by 10/21 and add funds by the end of this month. Have to leave funds there until 1/15/2019. Should get your bonus by 2/15/2019.
It looks like if you open a CD for a year you’d get their 2.5% rate plus an extra 1% so (if I understand it right), you’d get 3.5% for a year.
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Penfed’s one year cd is 2.71%
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Ally 11-month no penalty CD went up to 2.20%.
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Ally 11-month no penalty CD went up to 2.25%.
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Penfed one year cd @ 2.80%
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Navy FCU has a 6 month CD paying 3%. Minimum deposit $1,000.
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Connexus Credit Union raised their 60-Month CD rate to 3.40% APY.
5K minimum deposit.
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Pioneer Valley Credit Union (MA) has a 60 month Certificate at 3.50% APY. $1,000 Minimum deposit. It looks like you can join the MA chapter of ACC for free, which qualifies anyone for membership - need verification from someone who has done this.
** edit to add - appears membership is limited - "Joining ACC, MA Chapter is free which qualifies you for membership. You qualify if you are a consumer who lives, works, or worships in Massaschusetts or any of the following states: Connecticut, New Hampshire, Vermont, New York, or Rhode Island. "
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Affinity Plus Federal Credit Union has a 60mo CD at 3.25% APY. Easy membership requirement. $500 minimum deposit.
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Navy Federal Credit Union 5 year CDs have gone up to 3.50% APY; $1,000 minimum - no maximum. Note: not an add-on CD.
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Navy Federal Credit Union would always have “specials” (with limitations) that a person could waterfall through. Although, right now, not so much.
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Not sure if it has already been mentioned, but NFCU is currently waiving the checking account and direct deposit requirements on their Special EasyStart Certificate which is at 3.50% APY ($50 minimum balance and $3,000 maximum balance). One per member.
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Connexus Credit Union CDs:
12-month CD (2.26% APY)
24-month CD (2.86% APY)
36-month CD (3.01% APY)
48-month CD (3.11% APY)
60-month CD (3.21% APY)$5k minimum deposit, easy membership requirement.
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USALLIANCE Financial Certificate Specials –
24-month (3.00% APY)
36-month (3.25% APY)$500 minimum deposit. Easy membership requirement.
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**----Updated 6/22/22----
**Apparently, Colorado Federal Savings Bank LOWERED the rates because of widespread interest over the weekend. **
Updated (LOWER) rates not so good…
12-month (1.95% APY)
18-month (2.07% APY)
24-month (2.30% APY)
36-month (2.65% APY)
60-month (2.97% APY)**
Colorado Federal Savings Bank new CD rates:
12-month (2.41% APY)
18-month (2.40% APY)
24-month (3.00% APY)
36-month (3.20% APY)
60-month (3.35% APY)**$5k minimum deposit
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Sorry, this posted as a topic - didn’t mean to do that. That post can be deleted.
Bread Savings CD rates as of 7/5/22:
1 year 2.50%
2 year 3.00%
3 year 3.25%
4 year 3.30%
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One should look into brokered CDs.
I noticed Fidelity has an 11-month CD paying 2.90% which is extremely competitive
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Buying Tbill is a bit better, slightly more than 3% for 11 months when I checked earlier today at Vanguard. Also not subject to state income tax if your state has income tax.
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NASA FCU upped Share Certificate Specials –
9-month (3.55% APY)
15-month (3.75% APY)
49-month (3.85% APY)Minimum $10k deposit of new money. Opening deposit must be made between August 1, 2022 and August 31, 2022. No balance cap is specified but
“Credit Union reserves the right to limit deposits into this special Certificate. This limited-time offer is subject to change at any time without notice.”
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Signature Federal Credit Union is offering a Premium 36-month Certificate at 4.50% APY w/$500 minimum deposit. Easy membership requirement.
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Justice Federal Credit Union is offering a 12-Month Special Certificate at 4.25% APY ($100k min) or 4.15% APY ($500 min), new money required, easy membership requirement.
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USALLIANCE Financial is offering a 24-month Certificate Special at 4.25% APY w/$500 minimum deposit. Easy membership requirement.
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US Senate Federal Credit Union has a 20-month Share Certificate Special at 4.60% APY, $1k minimum deposit (new money). Easy membership requirement.
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Securityplus Federal Credit Union has a 23-month Promotion Certificate at 4.85% APY with a $10k minimum deposit. Easy membership requirement.
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In case anyone is interested, Ally’s No Penalty CD is now paying 2.75% APY.
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Ally 11mo No-Penalty CD now at 3.10%
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Andrews Federal Credit Union
5.00%APY 7 month CD special offer
Minimum of $1,000 to earn the advertised APY.
Maximum balance allowed is $100,000.
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates
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SkyOne Federal Credit Union has a 22-month CD at 5.00% APY. Minimum opening deposit of 1K. Flexible penalty and fee-free one-time withdrawal up to 50% of initial deposit. Add up to 50% of the initial deposit and receive a one-time fixed rate bump of 0.25% APY (CD must be open for 9-months first). Easy membership w/ACC (and others).
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State Bank of Texas now has a 12-month CD Special at 5.00% APY with a $25k minimum deposit. Available nationwide.
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@turtlebug Is there a higher rate for >>bigger deposits?
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I don’t think so.
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@turtlebug I’ll call. Our deal karma is strong this week.
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Andrews 5.00% 7 month Share Certificate still available unit December 14th
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates
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My eBanc is offering 5.23% APY on a 12-month or 18-month CD. 5K minimum opening deposit.
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@turtlebug said in CD Thread - Post The Best Nationally Available Rates:
My eBanc is offering 5.23% APY on a 12-month or 18-month CD. 5K minimum opening deposit.
This deal has now EXPIRED! That was quick!
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Just received an email from Navy Federal CU that on January 9, they will be offering a Special 15 Month Certificate at 5.00% APY. I contacted NFCU and they stated that the minimum deposit is $50 and maximum is $250,000 for the above mentioned CD. The Special CD offer may run through April and the CSR stated that it will be an add-on CD.
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Regarding the new NFCU Special CD referenced above and their waiving of EWPs (early withdrawal penalties) -
I opened a 15 month CD Special 1/10/23 with $50. Yesterday, I contacted a rep via online chat and she agreed to roll over the funds I have in existing 3% and 3.5% CDs expiring 7’24 and 10’24 with no EWPs. She did so in a few minutes while I waited and now all of the funds are in the 5% CD expiring 4’24.
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For those that can’t qualify for NFCU 15mo CD, UNIFY Financial Credit Union now offers a 15 mo Certificate Special at 5.00% APY w/$500 minimum deposit and they allow one additional deposit within 30 days of opening. Easy membership requirement (thru Friends of Hobbs, a non-profit state park, and according to the CU’s online application, “We pay your contribution to Friends of Hobbs.”)
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@turtlebug Ms SOZ qualifies for the NFCU but the documents to prove it are not easily accessible. Thanks for the Friends of Hobbs free membership tidbit.
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Ally 11mo No-Penalty CDs now at 3.85% APY.
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Magnifi Financial has a 7-month Certificate Special at 5.00% APY ($25k min/$250k max deposit) and at least 50% of deposit must be new money. Easy membership requirement ($10 donation to the Magnifi Foundation).
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(just a note on the NFCU 15mo CD special referenced in my post 8 days ago) -
For those who are long term members (25yrs+), they appear to be getting a .25% rate bonus, so 5.25% APY on the CD. If you have been a member less than 25 years, it wouldn’t hurt to ask the rep is you qualify for a bonus.
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For anyone interested, Ally now has a 13-month Select CD at 4.60% APY available thru 2/8/23 with no minimum to open.
