Navy Federal... 2.00% APY custom club... 3 to 60 months.. Ladders possible. $5 min, $5k max across all CDs. deposits allowed anytime. Withdrawl only at maturity (without penalty). Interest can be withdrawn at any time. 3.00% APY 12 mo cert. $50 min, $3k max. Checking and $300 DD required. Reoccuring deposits required until fully funded. Non-reoccuring deposits allowed any time. 90 day early surrender penalty.
iGo has changed their terms for early withdraw for new accts and renewals:
Dear Valued CD Customer:
Effective July 10, 2012, our iGObanking.com® CD early withdrawal penalties and renewal rates for new accounts and renewals changed as follows:
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)
• If your account has an original maturity greater than five years: The fee we may impose will equal the loss of either all interest earned on the amount withdrawn or half the interest amount that would have been earned on the amount withdrawn during the entire term of the certificate, whichever is greater. Penalty may reduce principle.
I have a 10yr 3.5% cd with them. the early withdraw penalty is only 6months. even with the 6month penalty, i come out ahead vs any CD out there at the time after 2yrs.
I'm having good luck with DCU. Certificate Special-Earn 1.50%**for 8 months. It took a while to get the account set up and the Reps are nice & very helpful. I have even opened up new CD's with this rate. If & when they drop the rate a person can just add money to the original CD.
cashbackcardsonly said: I thought Pen Fed's 3 year 1.61% was too good to pass up, so I opened a sizable (to me) account. 5 days later, they up it to 1.75%. Not a huge difference, but still disappointed.
PoorJohn said: It looks like the Penfed product isn't actually a CD, but some kind of money market instrument that has 'government backed insurance' but FDIC is never mentioned. It's just what they call a CD, no difference. Also they are a Credit Union and Credit Unions don't have FDIC, they have NCUA (National Credit Union Administration) works same way as FDIC
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