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rated:
Quovatis said: The rates are so out of date that this thread is nearly useless...the first three links I tried had a significantly lower rate than posted.

Please realize FW forums are user supported. If members do not contribute to updating the information it will quickly become outdated. In environments such as we are now experiencing CD rates are highly volatile thus requiring frequent and continual participation of all members to bring the information to current levels.
Consider doing your part in contributing to the upkeep of this forum by updating rates you find that are out-of-date. It's a time consuming job for only a few but if everyone participates, it is manageable.

rated:
>>>DOWN

1. Choice Financial
2. Northwest Federal Credit Union (NWFCU)

For "liquid" (add-on or rate bump) CD's, two of the nation's top offerings saw drops yesterday:

2-year add-on CD at Northwest FCU dropped from 2.00% rate/2.02% APY to 1.90% rate/1.91% APY.

13 month rate builder (add-on) CD at Choice Financial dropped from 1.85% APY to 1.65% APY.

rated:
This site seems to update them much more frequently: http://www.depositaccounts.com/cd/
It's a good resource.

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Umbrella Bank (subsidiary of New South Federal) failed and the FDIC had its accounts taken over by Beal Bank. I deleted the rates listed for them.

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ProfessorEd said: Umbrella Bank (subsidiary of New South Federal) failed and the FDIC had its accounts taken over by Beal Bank. I deleted the rates listed for them.
When did you do the deletions and for which terms? I deleted Umbrella from the 3-Month and 6-Month listings this morning. I still see Umbrella listed for 9-Month, 1-Year, 2.5-Year, and 5-Year. And Beal Bank is listed as a replacement for Umbrella as of 12/27/09 on the 3-Year term.

This morning I embarked on a mission to clean up and update the Quick Summary. So far Iíve only completed the 3-Month and 6-Month listings. Iíll work on the rest as time permits, any help would be appreciated.

I removed the following failed banks from the 3-Month and 6-Month listings: eBank, Centennial, Corus, Imperial Capital, and Umbrella

rated:
https://www.quorumfcu.org/

Quorumfcu.org has a 2.00% CD promotion for 11 months, 2.10% if you deposit 100K or more.

This is the banner link (feel free to grab it on the home page):

https://www.quorumfcu.org/default.aspx?v=11a881e9-fd73-438a-bd35...

I opened a super saver account, it doesnt appear there is any limit to joining from out of state.

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3% APY CD for 26 mo + 49 mo. (need to open both and put same amount)

www.suntrust.com

(update: You must also open a 49 month CD at 3% and put the same amount in each CD. Thanks RS4ratings)

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mail4calvin said: 3% Cd for 26mo. at Suntrust

Link


You must also open a 49 month CD at 3% and put the same amount in each CD.

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mh83 said: ProfessorEd said: Umbrella Bank (subsidiary of New South Federal) failed and the FDIC had its accounts taken over by Beal Bank. I deleted the rates listed for them.
When did you do the deletions and for which terms? I deleted Umbrella from the 3-Month and 6-Month listings this morning. I still see Umbrella listed for 9-Month, 1-Year, 2.5-Year, and 5-Year. And Beal Bank is listed as a replacement for Umbrella as of 12/27/09 on the 3-Year term.

This morning I embarked on a mission to clean up and update the Quick Summary. So far Iíve only completed the 3-Month and 6-Month listings. Iíll work on the rest as time permits, any help would be appreciated.

I removed the following failed banks from the 3-Month and 6-Month listings: eBank, Centennial, Corus, Imperial Capital, and Umbrella
Huge thanks to mh83 for the updates.

QS History said: Message edited by: mh83 on 2010-03-09 01:56:44 CST
Message edited by: mh83 on 2010-03-09 01:12:20 CST
Message edited by: mh83 on 2010-03-09 01:09:36 CST
Message edited by: mh83 on 2010-03-08 23:08:06 CST
Message edited by: mh83 on 2010-03-07 09:41:51 CST
Message edited by: mh83 on 2010-03-07 09:29:03 CST
Message edited by: mh83 on 2010-03-07 06:34:03 CST
Message edited by: mh83 on 2010-03-07 06:29:32 CST
Message edited by: mh83 on 2010-03-06 08:52:04 CST
Message edited by: mh83 on 2010-03-06 08:33:06 CST
Message edited by: mh83 on 2010-03-06 05:58:07 CST


Also thanks again for the CD made in heaven back in 2007.

rated:
Alliant lowered their CD rates today, I updated the OP.

12 Month: 1.65 (was 2.0)
18 Month: 1.90 (was 2.0)
24 Month: 2.15 (was 2.0) - Actually up
36 Month: 2.40 (was 2.5)
48 Month: 2.90 (was 3.0)
60 Month: 2.90 (was 3.0)

rated:
>>>DOWN

PENFED (Pentagon Federal Credit Union)

Long Term CD's:

36 month term was 3.00%/now 2.50% APY
48 month term was 3.25%/now 2,76% APY
60 month term was 3.50%/now 3.00% APY
84 month term was 3.75%/now 3.51% APY

Updated Quick Summary

rated:
pope411 said: Alliant lowered their CD rates today, I updated the OP.

12 Month: 1.65 (was 2.0)
18 Month: 1.90 (was 2.0)
24 Month: 2.15 (was 2.0) - Actually up
36 Month: 2.40 (was 2.5)
48 Month: 2.90 (was 3.0)
60 Month: 2.90 (was 3.0)

In fact, $$$$ (25K) rates are 0.1% higher - so, it looks like only 1y rate was down. I updated QS.

Also, updated Melrose Credit Union, Bank United (Top-2 for 4 years) and National Bank of Kansas City

rated:
EverBank : Long terms (3-5y) are UP, other terms are DOWN. Changed QS.

3mo    - 0.95 -> 0.75
6,9mo  - 1.14 -> 1.01
1,1.5y - 1.49 -> 1.40
2y     - 2.00 -> 1.82
2.5y   - 2.15 -> 2.00
3y     - 1.99 -> 2.07
4y     - 2.50 -> 2.78
5y     - 3.36 -> 3.44

rated:
ccrzhh said: pope411 said: Alliant lowered their CD rates today, I updated the OP.

12 Month: 1.65 (was 2.0)
18 Month: 1.90 (was 2.0)
24 Month: 2.15 (was 2.0) - Actually up
36 Month: 2.40 (was 2.5)
48 Month: 2.90 (was 3.0)
60 Month: 2.90 (was 3.0)

In fact, $$$$ (25K) rates are 0.1% higher - so, it looks like only 1y rate was down.


The Jumbo rates actually did decline, other than 24-month. The "was" numbers above can't be used for that comparison since they were for non-Jumbos. E.g. the 48-month Jumbo went 3.1 -> 3.0.

rated:
Melrose credit union lowered their CD rates Friday Apr 9.
1 Year - 1.51% APY
2 Year - 1.76% APY
3 Year - 2.27% APY
4 Year - 2.52% APY
5 Year - 3.03% APY

rated:
Doral Bank Direct just lowered their CD rates also.

6 Month 1.00 (% APY)
9 Month 1.40
12 Month 1.70
18 Month 1.50
24 Month 1.75
36 Month 2.00
48 Month 2.25
60 Month 2.50

rated:
Alaska USA Federal Credit Union (https://www.alaskausa.org/current/rates/CertificateRates.asp) $500 min.

12 - 17 Months 1.500%
18 - 23 Months 1.860%
24 - 35 Months 2.010%
36 - 47 Months 2.500%
48 - 59 Months 2.700%
60 Months 3.100%

rated:
Another great find/review from Bankguy, North American SB has two very hot specials, 10 month 2.05% and 17 month 2.65%. I did the 17 month and application is through Andrea. A couple things to note, There is no option for theses special term CDs, You click on 12 month then send email through site with account number which is given at end of application requesting it be changed to either 10 or 17 month term. No hard pull, Just a soft ID one. $100k max and can be funded by card or ACH. Check Bankdeal for any more info

rated:
RS4Rings said: Another great find/review from Bankguy, North American SB has two very hot specials, 10 month 2.05% and 17 month 2.65%. I did the 17 month and application is through Andrea. A couple things to note, There is no option for theses special term CDs, You click on 12 month then send email through site with account number which is given at end of application requesting it be changed to either 10 or 17 month term. No hard pull, Just a soft ID one. $100k max and can be funded by card or ACH. Check Bankdeal for any more info

The two NASB specials have been replaced by a 14 month special at 1.95% APY.

rated:
MsRockhopper said:

The two NASB specials have been replaced by a 14 month special at 1.95% APY.


Site still showing the 10 and 17 month as of 5/1 link
What a great bank, They were swamped but I got 5 17 month's opened between me, brother and mother. Started process on Wednesday and all were opened/funded and had online access on Friday and with correct rate.

rated:
great you got it, but i see:

SPECIALS
Term Minimum to Open Interest Rate APY*
14-Month $1,000 1.93% 1.95%

you might want to refresh your browser...

RS4Rings said: MsRockhopper said:

The two NASB specials have been replaced by a 14 month special at 1.95% APY.


Site still showing the 10 and 17 month as of 5/1 link
What a great bank, They were swamped but I got 5 17 month's opened between me, brother and mother. Started process on Wednesday and all were opened/funded and had online access on Friday and with correct rate.

rated:
Vietnam-Russia Joint Venture Bank is offering some competitive USD denominated certificates of deposit here.
01 month  	3.60%
02 months 	3.80%
03 months 	4.30%
06 months 	4.40%
09 months 	4.50%
12 months 	4.60%
15 months 	4.70%
24 months 	4.90%
36 months 	5.00%

rated:
Waffles said: Vietnam-Russia Joint Venture Bank is offering some competitive USD denominated certificates of deposit here.
01 month  	3.60%
02 months 	3.80%
03 months 	4.30%
06 months 	4.40%
09 months 	4.50%
12 months 	4.60%
15 months 	4.70%
24 months 	4.90%
36 months 	5.00%


Anyone trying this? I'm concerned over security, but have been reading a lot lately about Vietnam trying to get more investments. Maybe this is a way to get more money invested.
I'm thinking of trying the 1-month.

rated:
Waffles said: Vietnam-Russia Joint Venture Bank is offering some competitive USD denominated certificates of deposit here.
01 month  	3.60%
02 months 	3.80%
03 months 	4.30%
06 months 	4.40%
09 months 	4.50%
12 months 	4.60%
15 months 	4.70%
24 months 	4.90%
36 months 	5.00%
"Only FDIC Insured Banks..."

rated:
Melrose increased their rates --

Term Rate APY
1 Year 1.75% 1.76%
2 Year 2.00% 2.02%
3 Year 2.50% 2.52%
4 Year 2.75% 2.78%
5 Year 3.25% 3.29%

rated:
The NASB 14 month CD special has been lowered to 1.75% APY.
https://www.nasb.com/p_rates.htm

rated:
ING Direct 1 year 1.25 %

rated:
Ally is currently offering a 1.92% two year CD with one time rate increase option: "With our Raise Your Rate CD, you can call us for a one-time rate increase if our rates go up any time during your 2 year term."

rated:
Pentagon 7yr up from 3.51% to 3.75%

rated:
Ally 5 year CD down to 2.80%

rated:
Just got a targeted cd renewal offer from Penfed in the mail. I think it works as follows - For my soon to mature cd; if I delay the renewal until 1/11, and leave the money in a Penfed checking or savings account in the meantime, I can now reserve 3.5% for a 5-yr cd, 4.25% for 7-yr, and 5.00% 10-yr (i.e. .5% higher than the posted rates).

rated:
bugged said: Just got a targeted cd renewal offer from Penfed in the mail. I think it works as follows - For my soon to mature cd; if I delay the renewal until 1/11, and leave the money in a Penfed checking or savings account in the meantime, I can now reserve 3.5% for a 5-yr cd, 4.25% for 7-yr, and 5.00% 10-yr (i.e. .5% higher than the posted rates).Same here except my offer did not say I needed to leave the funds in the Penfed checking or savings, only that they be directed there at maturity. Then, I need to "ensure the January 2011 opening funds are in the designated Penfed account 48 hours prior to selected open date".

rated:
MsRockhopper said: The NASB 14 month CD special has been lowered to 1.75% APY.
https://www.nasb.com/p_rates.htm


Besides the 14 month CD, NASB has added a 23 mo CD special at 2.05% APY.

rated:
gwu1986 said: bugged said: Just got a targeted cd renewal offer from Penfed in the mail. I think it works as follows - For my soon to mature cd; if I delay the renewal until 1/11, and leave the money in a Penfed checking or savings account in the meantime, I can now reserve 3.5% for a 5-yr cd, 4.25% for 7-yr, and 5.00% 10-yr (i.e. .5% higher than the posted rates).Same here except my offer did not say I needed to leave the funds in the Penfed checking or savings, only that they be directed there at maturity. Then, I need to "ensure the January 2011 opening funds are in the designated Penfed account 48 hours prior to selected open date".

Do you both have multiple product relationships with PenFed, or just CD's? I'm just curious if this is a targeted offer.

rated:
foxhopper said: gwu1986 said: bugged said: Just got a targeted cd renewal offer from Penfed in the mail. I think it works as follows - For my soon to mature cd; if I delay the renewal until 1/11, and leave the money in a Penfed checking or savings account in the meantime, I can now reserve 3.5% for a 5-yr cd, 4.25% for 7-yr, and 5.00% 10-yr (i.e. .5% higher than the posted rates).Same here except my offer did not say I needed to leave the funds in the Penfed checking or savings, only that they be directed there at maturity. Then, I need to "ensure the January 2011 opening funds are in the designated Penfed account 48 hours prior to selected open date".

Do you both have multiple product relationships with PenFed, or just CD's? I'm just curious if this is a targeted offer.


CDs and a credit card. No loan products.

rated:
"The Best CD in America", 10 year Discover Bank 3.50%

http://moneywatch.bnet.com/investing/blog/irrational-investor/th...

rated:
I just received that same Penfed offer that came in mail along with CD maturity notice. I only have CD ladder and credit card with Penfed.

One thing I'd like to find out on those CDs was the early withdrawal penalty. 10-yr term is pretty long and rate is really high so I wonder if it also comes with prohibitive early withdrawal penalty.

Edit: CSR claims that early withdrawal penalty is same as 7-yr CDs (1-yr interest or all interest if within the first year). More info on this here

rated:
Discover Bank 10-year CD down to 3.25% APY.

rated:
Updated the Quick Summary for many of the 24-month CDs.

Alliant is head and shoulders above the rest. However, with their checking and savings rates going down in September, that may not last for long.

rated:
^^^^^ Wow, that didn't take long... this morning Alliant dropped their 24-month CD from 2.25% to 2.10%.

Updated in quick summary.

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