Posts made by turtlebug

Freedom CU 12mo CD still at 5.37% APY & 18mo CD at 5.11% APY

NASA FCU 9mo CD still at 5.40% APY & 15mo CD at 5.25% APY

Not to my taste but others may like…

Link

Hughes FCU offers 17mo CD Specials – Jumbo CD at 5.65% APY ($99K minimum) and Mini-Jumbo CD at 5.60% APY ($50K minimum).

Easy membership requirement with a $10 donation to any of three Tucson area non-profits (Friends of the Oro Valley Public Library, Friends of the Pima County Public Library, or Friends of Green Valley Library) which qualifies for membership eligibility, regardless of where you live.

T Bank has a 13-month CD Special at 5.50% APY w/1K minimum opening deposit.

Life Credit Union (Life CU) has an 18mo CD at 5.35% APY w/1K minimum deposit. Easy membership requirement through American Consumer Council (ACC).

Salem Bank now has a 12-month eCD Special at 5.55% APY w/10k minimum/$500k maximum deposit.

Northern Bank offers a 9-month CD at 5.50% APY with $500 min/$250k max opening deposit. Note, beneficiaries not allowed.

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)

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.

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).

Credit One Bank has a 12-month Jumbo CD at 5.60% APY w/100k minimum deposit.

Link

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)

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.

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.

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.

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.

https://t.bank/

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.

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.

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.

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.”

NexBank has a 12-Month Promo Online CD at 5.60% APY w/$25k minimum deposit (new money).

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.

Ally Savings Account rate is increasing to 4.25% APY effective 8/01/23

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.

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.

Finworth (an online division of INSBANK) now has an 18-month CD at 5.52% APY w/$50k minimum/$240k maximum deposit per CD.

@goldsheet

Sorry - didn’t see your milli post from 2wks ago.

Milli Savings Account 5.25% APY (App Only)

Review Link

5.25% APY as of 7/20/23
No monthly fees, no minimum balance required.
Ability split money into multiple “Jars”.
App-only. Currently requires iPhone iOS 15.0+, or Android OS 8.0+.
Uses the Allpoint ATM network of 55,000 surcharge-free ATMs worldwide.
No paper checks. No checkwriting ability. No mobile check deposit.

Ally 11mo No-Penalty CD now at 4.55% APY.

@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.

USALLIANCE Financial has an 18-Month CD Special at 5.70% APY w/ $500 minimum deposit. Easy membership requirement.

Link

Would make a nice hostess, birthday, new home, etc., gift.

No tax (except possibly for NJ, VT, ME, TN, KY, WI, MS, NM & HI residents), free shipping, and additional 2% back with executive membership. $40 under spot.

Features:

24kt Gold
Item is Non-Refundable
Limit 2 Per Membership

Link

USPS First-Class Forever Stamps, 100-count for $62.75 shipped at costco.com

Link

First Internet Bank now has a 12 month CD at 5.48% APY w/1K minimum deposit.

Link

Link
Includes: FL, GA, IA, MI, ND, NE, TN, WI, CO (Denver), NC (Charlotte) and IN (Fort Wayne/South Bend)

(855) 2-TOW-2-GO or (855) 286-9246

The goal of The Auto Club Group’s Tow to Go program is to prevent injuries and deaths caused by impaired drivers. It reminds party-goers to plan ahead by choosing a designated driver, staying where they are celebrating, or arranging other safe transportation.

Tow to Go operates on most major holidays and offers a free ride to impaired drivers and their vehicles who do not have a safe alternative. Over the past two decades, the program has removed more than 25,000 impaired drivers from the road. It’s never safe to drive impaired, so please be sure to plan ahead.

• Free confidential ride available to AAA Members and non-members.
• The AAA tow truck transports the vehicle and driver home or somewhere safe within 10 miles.
• Appointments cannot be scheduled in advance to use Tow to Go. It is designed as a safety net for those that did not plan ahead. Always choose a designated driver before celebrating.
• In some situations, AAA may need to make other arrangements to get an impaired individual a safe ride home.
• Tow to Go may not be available in rural areas or during severe weather conditions.

Independence Day/July 4th (Tuesday)
6:00PM Friday 06/30/2023 TO 6:00AM Wednesday 07/05/2023

Labor Day/September 4th (Monday)
6:00PM Friday 09/01/2023 TO 6:00AM Tuesday 09/05/2023

Thanksgiving/November 23rd (Thursday)
6:00PM Wednesday 11/22/2023 TO 6:00AM Monday 11/27/2023

Christmas - New Year’s/December 25th (Monday)/January 1st, 2024 (Monday)
6:00PM Friday 12/22/2023 TO 6:00AM Tuesday 01/02/2024

Ally Online Savings Account rate is increasing from 3.85% APY to 4.00% APY on 06/07/2023.

Link

as of 6/22/23, only Grand Canyon design left at $6.97

4 designs to choose from - White Sands, Legend Lake Aqua, Grand Canyon & Otero Black

• Single 48" x 20" Oversized Sherpa Bolster Pillow
• 4 Pendleton Designs to Choose From
• Perfect Addition to Bedrooms, Living Room, or Dorms Super Soft and Cozy

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).

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).

Ally 11-month no penalty CD is DOWN (again) to 4.25% APY.

Link

Features:

30 Hand Crafted Cards
Hand Crafted Cards with Unique Embellishments
Hand Crafted Cards Include Matching Envelopes
Additional 10 Blank Note Cards and Blank Envelopes
Keepsake Box

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).

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).

Ally 11-month No Penalty CD is DOWN from 4.75% APY to 4.35% APY.

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.

Sun Canyon Bank has a 1-year CD Special at 5.35% APY w/$5k minimum deposit. Available nationwide thru online application.

Ally 11-month no-penalty CDs have increased from 4.00% APY to 4.75% APY