CD Thread - Post The Best Nationally Available Rates
-
Please note:
DISCLAIMER: Rates are for information purposes only and do not represent an endorsement or recommendation of any listed institution. Indicated rates are those published by the institution. Updates are made by FW members on a timely basis. However, as rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Investigate before you invest!
Only FDIC Insured Banks in the USA as well as Insured Credit Unions with NO or MINIMAL restrictive membership requirements.
Includes primarily rates that are posted on the institution’s website as these can be more easily monitored and updated. Exceptions should be noted.
Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC OR OTHER RESTRICTIONS and posted as “% APY”.
Key:
$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher (+ denotes high end of range)(++ $100,000 and up)
-
NRL FCU (nrlfcu.org) is advertising a customer appreciation 1 yr CD paying 2.0% APY on their homepage banner. Enrollment available Oct 14 - Oct 21 only. Membership to NRL FCU is open to anyone via free membership to American Consumer Council. See NRL website for signup. Their normal 1 yr CD has a $500 minimum. Couldn’t find funding details for the special CD yet.
-
@wyle said in CD Thread - Post The Best Nationally Available Rates:
NRL FCU (nrlfcu.org) is advertising a customer appreciation 1 yr CD paying 2.0% APY on their homepage banner. Enrollment available Oct 14 - Oct 21 only. Membership to NRL FCU is open to anyone via free membership to American Consumer Council. See NRL website for signup. Their normal 1 yr CD has a $500 minimum. Couldn’t find funding details for the special CD yet.
It looks like the minimum deposit is $500, with a $10k balance cap, and there is a limit of one Member Appreciation Day (MAD) Certificate per member. There is also some talk that the member needs to have a checking account to get this certificate.
-
@turtlebug more importantly, how reputable are these banks and how is the customer service. i’ve been with some shoddy banks and let me tell you, it’s no joke when your money is held hostage
-
NRLFCU has a very good financial health rating (“A”) and I’ve had no issues moving money out after CD expiration. What is disappointing is the 10K balance cap on the upcoming offer.
-
@turtlebug lol yeah that’s kinda low. new bank account to make 200 clams, i’ll pass.
ve tzaddik yesod olam
-
GTE financial credit union(nationally available) has high CD promo rates up to 2.78% 30 month promo(jumbo) and 2.53%(non jumbo). They are even paying for your $10 membership fee currently. This is the best rate you will find on a 2.5 year CD.
-
@deplorable-1 said in CD Thread - Post The Best Nationally Available Rates:
GTE financial credit union(nationally available) has high CD promo rates up to 2.78% 30 month promo(jumbo) and 2.53%(non jumbo). They are even paying for your $10 membership fee currently. This is the best rate you will find on a 2.5 year CD.
Agree, although you might wish to read all the comments on this thread before doing so, as there are some snags/glitches…
-
Northpointe Bank has a 17-month CD special that earns 1.75% APY. The minimum deposit is $1k with no stated balance cap.
-
PenFed sent email yesterday with 1 y CD with 1.61 APY and 18 months CD with 1.76 APY.
-
Ally just raised its 12mo CD rates - not spectacular but okay:
1.50% APY on less than $5,000 opening deposit
1.55% APY on $5,000 minimum opening deposit
1.65% APY on $25,000 minimum opening deposit
-
New email from PenFed. All $1000 to open.
1.71% APY 15 month
1.77% APY 18 month
1.87% APY 2 year
2.27% APY 5 year
-
Navy Federal Credit Union is offering a 15 month certificate (CD) at 2.25% APY. The Special 15-Month Share Certificate has a $50 minimum and a $50,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance.
-
@turtlebug said in CD Thread - Post The Best Nationally Available Rates:
Navy Federal Credit Union is offering a 15 month certificate (CD) at 2.25% APY. The Special 15-Month Share Certificate has a $50 minimum and a $50,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance.
https://phatwalletforums.com/topic/3347/navy-federal-credit-union-offering-2-25-apy-15-mo-cd
-
Ally Bank increased all three tiers of its 11-month No Penalty CDs:
1.15% APY with less than $5,000 opening deposit
1.35% APY with $5,000 minimum opening deposit
1.60% APY with $25,000 minimum opening depositIn addition, it increased its 18 month CD to 1.75% APY with $25,000 minimum deposit
-
Discover Bank increased its online savings account to 1.30% APY with no minimum balance requirement.
-
Ally increased the rate on its 11 month no-penalty CD to 1.75% APY for balances of 25K or more. They also increased the rate on their 12 month CD to 2.00% APY. Both of these rate hikes are supposed to be for a limited time (12/19/17 thru 1/02/18).
-
@turtlebug If I have an existing 11 month no penalty CD with Ally (at 1.50%) will it automatically be upped to 1.75? (The high yield 12 month CD is at 2.0, the no penalty 11 month is now at 1.75)
And can I end that 1.75% CD and put it everything (including interest earned) into the 2.0 percent high yield CD?
-
@amusingsquid said in CD Thread - Post The Best Nationally Available Rates:
@turtlebug If I have an existing 11 month no penalty CD with Ally (at 1.50%) will it automatically be upped to 1.75? (The high yield 12 month CD is at 2.0, the no penalty 11 month is now at 1.75)
And can I end that 1.75% CD and put it everything (including interest earned) into the 2.0 percent high yield CD?
Nothing is automatic. You have to close the account and open a new one.
-
Do you guys think a better CD will come along within the year at 1 year and greater than 2% interest? Trying to decide if I should go “all in” on this Ally 2% offer.
-
PenFed 1.71% 15 month and 2.27% 5 year
$1000 minimum to open
-
Penfed raised rates.
1 year is 1.87%
2 years is 2.02%
-
Barclays 12 month CD is now 2%.
-
NASA Federal CU has a special 11 month Share Certificate (CD) offering at 2.25% APY with a minimum deposit requirement of $20,000
-
Popular Direct raised the rate on its 18 month CD to 2.30% APY ($10k minimum deposit)
-
@my4mainecoons said in CD Thread - Post The Best Nationally Available Rates:
New email from PenFed. All $1000 to open.
1.71% APY 15 month
1.77% APY 18 month
1.87% APY 2 year
2.27% APY 5 yearLatest rates from PenFed:
https://www.penfed.org/accounts/certificates-overviewTERM | DIVIDEND RATES | APY
6 Month | 1.30% | 1.30%**
12 Month | 1.85% | 1.87%
15 Month | 1.90% | 1.92%
18 Month | 1.95% | 1.97%
2 Year | 2.00% | 2.02%
3 Year | 2.05% | 2.07%
4 Year | 2.15% | 2.17%
5 Year | 2.40% | 2.43%
7 Year | 2.45% | 2.48%$1,000 minimum amount to open. A penalty will be imposed for early withdrawal. This will reduce earnings on the account. Please see ‘Disclosures’ below for important account information.
**6 Month certificates earn dividends on simple interest basis. All other certificate dividends are compounded daily.
-
@turtlebug Ally 12 mo CD still 2% for $25K or more.
-
Penfed raised rates. Minimum of $1,000.
6 months @ 1.65% apy
1 year @ 2.07%
-
Discover Bank 1.9% for 12 mo CD, min. $2500.
-
Live Oak Bank has raised most its CD rates: 6-month (1.95% APY), 1-year (2.15% APY), 18-month (2.40% APY), 2-year (2.55% APY), 3-year (2.60% APY), 4-year (2.65% APY), and 5-year (2.70% APY). There is a $2.5k minimum deposit requirement, with a maximum $250k per account.
-
ConnectOne Bank added a nationally available 10-Month CD at 2.17% APY - $500 minimum deposit.
-
Market USA FCU offers a 10-Month Tax Time Certificate Special at 2.50% APY - $500 minimum, $10,000 maximum deposit. (Yes, the max is small but if you have 10K sitting around, it’s not a bad short-term CD offer). Easy membership requirement: if you don’t meet residency, employment/affiliation or family relationship test, membership in the Market USA Cares Foundation (minimum $10 donation) qualifies for Credit Union membership.
-
PurePoint Financial’s 12 months CD (10k minimum) is now 2.20% and Barclay’s 12 Months CD is 2.10%.
-
Pen Fed
Term/ Dividend Rate/APY
6 Month 1.65% 1.65%**
12 Month 2.05% 2.07%
15 Month 2.10% 2.12%
18 Month 2.20% 2.22%
2 Year 2.30% 2.33%
3 Year 2.35% 2.38%
4 Year 2.40% 2.43%
5 Year 2.65% 2.68%
7 Year 2.70% 2.73%$1,000 minimum amount to open.
-
Got email from Northwest FCU for 70th anniversary special 5 yr CD rates:
$1000-99,999 3.15% or 3.05%
$100,000-249,999 3.35% or 3.10%
$250,000 and over 3.41% or 3.15%The higher rate is for Heritage Club (senior citizens)
-
Ally just raised some of their rates. -They do tiers so just copied and pasted the below for a one year cd.
2.00% Less than $5,000
2.05% $5,000 minimum
2.10% $25,000 minimum
-
Per Ken at depositaccounts:
KS StateBank’s raised all of its rates yesterday, making their CD rates at or near the top
1-year (2.27% APY),
2-year (2.65% APY),
3-year (2.85% APY),
4-year (2.90% APY),
5-year (3.00% APY),***All CDs require $500 minimum deposit
Availability: Nationwide
-
Discover 12 mo CD 2%, $2500 minimum
-
1 yr CD, 2.5%, $5k minimum. $5 to join.
-
Northern Bank Direct adds a new 30mo CD (3.01% APY); $500 minimum deposit. Available nationwide.
-
ableBanking 1-Year CD is up to 2.50% APY; $1k minimum deposit, $240k maximum deposit; nationwide availability
-
CD Bank’s 12mo CD up to 2.50% APY; 10K minimum deposit; available nationwide. Also has the following: 3mo (1.90% APY), 6mo (2.10% APY), 9mo (2.25% APY)
-
PurePoint Financial 12 months CD (10k minimum), 2.30%
-
AllyBank No Penalty CD
Withdraw with no penalty as soon as 6 days
1.80% for 25k+ balance
-
MainStreet Bank adds a nationally available 15mo CD at 2.80% APY; $500 minimum deposit.
-
Penfed raised rates. Min. $1,000.
12 Month @ 2.35% apy
5 Year @ 3.00%
-
SynchronyBank 12 months @ 2.4%, 14 months @ 2.45%
-
Union Bank has a nationally available 18-23 month CD at 2.75% APY; $10k minimum deposit, $1 million maximum deposit
-
CD Bank is offering a 24 month CD for 3.00% APY. The minimum deposit is $10k, with no stated balance cap.
-
Popular Direct
12 months - 2.5%
24 months - 2.95%
