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CD Thread, Post The Best Rates You Can Find Here!--Best Nationally Available Rates--

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203 of 220
+3
Argyll
12/17/10 5:52 PM
Delta Community Credit Union's 5 year CD is 2.50% now and the penalty for early withdrawal is just 90 days.
+8
ck90211
12/21/10 9:59 PM
Justice FCU (www.jfcu.org) has a 45 days CD for 7.5% interest, $500 minimum $25K maximum. JFCU is supposedly for law enforcements and DOJ people, but also covers contractors, families, etc... This is a anniversary special rate for new money only and not sure when it ends (so the sooner the better).
+6
techziv
12/22/10 1:06 AM
It's actually 75 day. For their 75th anniversary.


ck90211 said:   

Justice FCU (www.jfcu.org) has a 45 days CD for 7.5% interest, $500 minimum $25K maximum. JFCU is supposedly for law enforcements and DOJ people, but also covers contractors, families, etc... This is a anniversary special rate for new money only and not sure when it ends (so the sooner the better).

Banner from their site [ image/jpeg - 47.94kB ]
+1
ck90211
12/22/10 2:36 AM
thanks for correction. 75 it is.
+1
Argyll
12/22/10 8:29 AM
Fort Knox FCU:

Regular CDs
60 Month - 2.75 APY
48 Month - 2.55 APY
36 Month - 2.25 APY
30 Month - 2.00 APY

$500 minimum

Jumbo CD ($100,000 or more) Special Rate
Effective 12/18/2010, we will pay an additional 0.15% on specials and regular-rate jumbo CDs.
This may be changed or discontinued at any time.
+3
financeautomizer
1/1/11 5:56 AM
New PenFed rates:
Term APY

6-Month 0.75%**

1-Year 1.26%

2-Year 1.50%

3-Year 1.75%

4-Year 2.25%

5-Year 2.50%

7-Year 3.00%
+3
VBMcGB
1/7/11 3:41 PM
STAFF POST
I know it's easy to forget the focus of a thread when it seems to want to go on forever. So, I wanted to drop in a quick reminder: This thread is for rates only. For further commentary and conversation, we have a dedicated discussion thread. And thanks everyone for keeping this thread up to date.
+2
sailmaster1955
1/10/11 5:03 PM
Apple Federal Credit Union

https://www.applefcu.org/fom.asp

3.25% APY ON 120 MONTH Certificate (highest I could find as of 01/10/11)

6 Month Certificate 0.50%
12 Month Certificate 0.70%
Jumbo 12 Month Certificate 0.75%
15 Month Certificate 0.70%
24 Month Certificate 1.00%
36 Month Certificate 1.40%
Jumbo 36 Month Certificate 1.45%
36 Month Step-Up Certificate 1.15%
48 Month Certificate 1.70%
60 Month Certificate 2.30%
Jumbo 60 Month Certificate 2.35%
84 Month Certificate 2.60%
120 Month Certificate 3.25%

THE GOOD: can open online, can join the following association as part of the application process:
Northern Virginia Athletic Directors, Administrators, and Coaches Association

THE BAD: penalty for early withdrawal is steep at 1095 days of interest
0
dejanu
1/13/11 6:06 PM
sailmaster1955 said:   

Apple Federal Credit Union

https://www.applefcu.org/fom.asp

3.25% APY ON 120 MONTH Certificate (highest I could find as of 01/10/11)

6 Month Certificate 0.50%
12 Month Certificate 0.70%
Jumbo 12 Month Certificate 0.75%
15 Month Certificate 0.70%
24 Month Certificate 1.00%
36 Month Certificate 1.40%
Jumbo 36 Month Certificate 1.45%
36 Month Step-Up Certificate 1.15%
48 Month Certificate 1.70%
60 Month Certificate 2.30%
Jumbo 60 Month Certificate 2.35%
84 Month Certificate 2.60%
120 Month Certificate 3.25%

THE GOOD: can open online, can join the following association as part of the application process:
Northern Virginia Athletic Directors, Administrators, and Coaches Association

THE BAD: penalty for early withdrawal is steep at 1095 days of interest



I have a 60-month certificate with them. The early withdrawal penalty for 25-60 month certificates is 180 days. 0-24 months is 90 days, and 61+ months is the 1095 days. The maximum penalty in all cases is earnings-to-date.

BTW, I recently received a notice from Apple that says the Certificate Penalty schedule changes on March 1, to the following. Some of the early-withdrawal penalties stay essentially the same (including for the 60-month), while others get either better or worse:

Term Up to 6 months: Dividends earned up to 90 days
7-60 months: Dividends earned up to 180 days
> 60 months: Dividends earned up to 365 days
0
americano
1/26/11 10:36 PM
FWIW, penfed rates for Feb are unchanged.
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