Credit One Bank has a 12-month Jumbo CD at 5.60% APY w/100k minimum deposit.
turtlebug
@turtlebug
Posts made by turtlebug
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RE: CD Thread - Post The Best Nationally Available Rates
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RE: CD Thread - Post The Best Nationally Available Rates
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)
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RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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. -
RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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.
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RE: CD Thread - Post The Best Nationally Available Rates
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.”