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ATTENTION MODS:

Somebody screwed up the Quick Summary by replacing many of the bank names and rates with website addresses.

Would it be possible to restore a previous version of the Quick Summary before it got FUBARed?

Thank you.


EDIT: Excellent, thanks!

 

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TheDiggler said:   Other
N 08/22/13 $ 14 Month Fort Knox FCU 1.20%    
N 08/22/13 $ 23 Month Fort Knox FCU 1.40%


Rates lowered:

D 09/02/13 $ 14 Month Fort Knox FCU 1.10%  
D 09/02/13 $ 23 Month Fort Knox FCU 1.30%  
 

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Updated Penfed rates...

Term Dividend Rate APY
6 Month 0.30% 0.30%**
1-Year 0.500% 0.50%
2-Year 1.000% 1.00%
3-Year 1.250% 1.26%
4-Year 1.400% 1.41%
5-Year 1.550% 1.56%
7-Year 1.740% 1.76%

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TheDiggler said:   
TheDiggler said:   Other
N 08/22/13 $ 14 Month Fort Knox FCU 1.20% 
N 08/22/13 $ 23 Month Fort Knox FCU 1.40%


Rates lowered:

D 09/02/13 $ 14 Month Fort Knox FCU 1.10%   
D 09/02/13 $ 23 Month Fort Knox FCU 1.30%


Rates lowered yet again:

D 09/07/13 $ 14 Month Fort Knox FCU 0.95%    
D 09/07/13 $ 23 Month Fort Knox FCU 1.15% 
 

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Come on Ben you're killing us.

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Institution for Savings in MA now has a 30 month 2% CD to go along with their 48 and 60 month 2% CD. While a branch visit is required they do allow out of state accounts. Local for me though 


Institution for Savings

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RS4Rings said:   Institution for Savings
fixed link   
 

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Eloan has a year cd at 1.10% apy, and an 18 month cd at 1.12% .

Have to give them at least $10,000 to open. --This is a raise in rates. A couple of weeks ago their 18 month cd was getting .85%,

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PenFed just increased their certificate rates slightly for terms over 6 months, as of October 1 2013:
1 Year and up are compounded daily. 

Length Rate APY
6 Month 0.30% 0.30%
1-Year 0.750% 0.75%
2-Year 1.250% 1.26%
3-Year 1.500% 1.51%
4-Year 1.750% 1.76%
5-Year 2.000% 2.02%
7-Year 2.000% 2.02%


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Barclays has recently increased rates for 4-year CD to 1.65% and 5-year CD to 2.00% APY.

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ALLY
Effective December 7, 2013 our Deposit Agreement will be changing. We wanted to take this opportunity to highlight some of the key changes. This is not a complete list of changes but includes those changes that are most noteworthy. We encourage you to read the revised Deposit Agreement for the complete details and keep it with your important documents. To view the complete Deposit Agreement online, go to: allybank.com/da.

  1. Early Withdrawal Penalty for CDs 
    We will be changing our early withdrawal penalty for longer term Ally Certificates of Deposit (CDs) and Individual Retirement Account (IRA) CDs. Any CD or IRA CD with a term of three (3) years or longer that is opened or renewed on or after 12/07/2013 will have the following early withdrawal penalty structure: 

    3-Year CD – loss of 90 days interest 
    4-Year CD – loss of 120 days interest 
    5-Year CD – loss of 150 days interest 

    Many of our CD's are unaffected by this change:

    • Any CD or IRA CD with a term of three (3) years or longer that was opened before 12/07/2013will continue to have an early withdrawal penalty of 60 days' loss of interest until it matures. The withdrawal penalties shown above will apply if the CD is renewed for another term. 
    • No Penalty CDs will continue to have no early withdrawal penalty after the first six (6) days after funding. 
    • There is no change to CDs or IRA CDs with terms of less than three (3) years. They will continue to have an early withdrawal penalty of 60 days' loss of interest.

  2. Funds Availability Policy for Checking, Online Savings and Money Market Accounts
    Our Funds Availability Policy will also be changing. Below are some of the highlights of the changes:

    • When you deposit more than one check, we will now post those checks as separate deposits rather than a single deposit. By treating each check as a separate deposit, the $200 next business day availability will apply to each check. This change could result in more available funds for your use on the next business day. This change also includes deposits made via Ally eCheck DepositSM. 
    • In situations when longer holds are necessary for check deposits, we will be shortening the extended hold period from the 7th business day to the 5th business day after the day of your deposit. We'll notify you if an extended hold is applied to your check deposit and we will tell you when the funds will be available. 
    • New customers will generally receive the same availability of funds as existing customers. If there is an exception, we'll notify you when the funds will be available.


For your convenience, our new Deposit Agreement is now available online at: allybank.com/da

Ally Bank 

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The change in Ally early withdrawal is such a bummer... They never had the best rates, but their early redemption fee was so low before... 

Do anyone else know of a low early redemption fee?

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Penfed 3 year CDs now 2.02%

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americano said:   Penfed 3 year CDs now 2.02%
  4yr also.

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Aagiants said:   The change in Ally early withdrawal is such a bummer... They never had the best rates, but their early redemption fee was so low before... 

Do anyone else know of a low early redemption fee?

  
I agree that it is a bummer but it never really made any business sense to me so I'm not surprised they are modifying their fees. It looks like you can still sign up for the 5 year CDs with the 60 day fees until December 7th.

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deleted. wrong thread

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americano said:   Penfed 3 year CDs now 2.02%
  According to a Penfed CSR, this rate will be good for new CDs opened through the end of November. Based on the fact that this rate is so far above every other 3-year CD I could find, I can't help but doubt that it will hold that long.

Penalty for early withdrawal is forfeiture of the most recent 180 days interest (or is it dividend). Even so, it's still a good return compared to what's available.

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MoneyOne FCU 1.90% for 19-months (new money only, $9k min, $99k max):

http://www.moneyonefcu.org/personal/savings/share-certificates.h... 

ETA: Membership available via Easterseals Donation.

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1.15% APY on a 15 month CD

Minimum balance of $2,000

GE Capital Retail Bank

(800) 753-6870
www.gecrb.com

Promo code: FLWSJ15

Saw an advertisement in the wall street journal

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sigh. Penfed does a hard credit-pull...

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AaG12 said:   sigh. Penfed does a hard credit-pull...
  
To become a member or just to open a new certificate?  

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NEDeals said:   
AaG12 said:   sigh. Penfed does a hard credit-pull...
  
To become a member or just to open a new certificate?  

  PenFed member for years.  Opened 3 of these CDs in the last month and no hard pulls occurred.

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ko22 said:   
NEDeals said:   
AaG12 said:   sigh. Penfed does a hard credit-pull...
  
To become a member or just to open a new certificate?  

  PenFed member for years.  Opened 3 of these CDs in the last month and no hard pulls occurred.

  That's a pretty good deal. Ally bank did not do hard pulls either.

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NEDeals said:   
AaG12 said:   sigh. Penfed does a hard credit-pull...
  
To become a member or just to open a new certificate?  

  Penfed has always done a hard pull on new members, but they will also use that same pull if you apply for  a credit card within 30 days. So best to take advantage of that and get their card when joining 

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I just joined PenFed last week and spoke to a rep this morning about setting up a 3-year CD at 2.02% APY.

He told me the board of directors had just approved these rates, going into effect Dec. 1:

4 year - 2.22% APY
5 year - 3.04% APY
7 year - 3.04% APY

Also, the 3 year 2.02% APY will remain in effect.

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What does "hard pull" mean? Thanks!

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BeaOh said:   What does "hard pull" mean? Thanks!
  
I was going to say "That's what she said".  But it means Hard Credit Pull - https://www.creditkarma.com/article/hard_inquiries_and_soft_inquiries 

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I just signed up for the PenFed five year at 3.04%. Drdobro rates posted above are good.

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My holiday gift to FWF...

The Quick Summary yields have all been updated.
 

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wow! 

GJ tahoe, thanks!

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Awesome!

Many thanks iLoveTahoe for the contribution!

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Confirmed today with CSR that PenFed 3% 5yr CD rate will be available until the end of this month.

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New Penfed CD yields for February...

6 Month..... 0.30%
1 Year....... 1.16
2 Year....... 1.26
3 Year....... 1.51
4 Year....... 1.76
5 Year....... 2.02
7 Year....... 2.27
 

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Fort Knox FCU just introduced a special 46-Month CD @ 2.05% APY

Updated in Quick Summary.
 

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iLoveTahoe said:   Fort Knox FCU just introduced a special 46-Month CD @ 2.05% APY

Updated in Quick Summary.

  They also changed their early withdrawal penalty retroactively a few years ago. Anyone who does business with them is out of his/her mind.

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is ally no longer the way to go for long term CDs, ever since they got rid of the 60 day penalty?

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titan01 said:   is ally no longer the way to go for long term CDs, ever since they got rid of the 60 day penalty?
  Their rates aren't super competitive, and with the elimination of the 60 day penalty there's no reason to go with ally vs a bank offering 2%+ rate.

On a separate note, do any of the long term followers know how often PenFed does CD rate promos similar to the one they did in Dec/Jan?

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PenFed typically does CD promotions around the New Year, if at all.

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