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Have a great and interesting post. i really like it and would like to say thanks to you that you share this post here with us. I hope that you will continue to post here with us.

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whats the opinion on barclays?

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I closed out my Barclays 5 year CD in January and moved it to the 3% 5 year CD which was available at Penfed at the time.

The reason why I closed out the Barclays CD was because my Barclays account number was visible on the statements page.  My transfer bank account number was also clearly visible.  When my 1099-DIV was posted on the statements page, my social security number was clearly visible on the statements page.  When I called Barclays to complain about the lack of security, I was told they would not do anything to blank out the account numbers and my social security number unless they "see a trend".  I asked what that meant and the CSR said they would have to receive many phone calls complaining about the possible security leaks before they would fix the problem.  I told them to cancel my account and I would gladly pay the early withdrawal penalty to move my money away from Barclays.  No regrets.  Done with Barclays forever.

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How is putting the bank account number on the bank statement a security problem? Especially for a time deposit. Bank account numbers aren't state secrets. If you have a checking account, you might even notice that the bank puts your account number on every check! And most people give out checks to more people than they give their bank statements to.

just something to think about.

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And checks have routing numbers

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My online accounts at Ally Bank and Penfed block out all but the last 4 digits of my account numbers, same with my social security number.  I would expect Barclays to do the same.

Having my social security number in plain sight on Barclays website is a hackers dream come true.  Barclays refuses to tighten their security measures, so I closed out my accounts.

I realize that every paper check has the account number and the bank routing number on it, but I rarely write a paper check anymore.

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Kaylee28 said:   My online accounts at Ally Bank and Penfed block out all but the last 4 digits of my account numbers, same with my social security number.  I would expect Barclays to do the same.

Having my social security number in plain sight on Barclays website is a hackers dream come true.  Barclays refuses to tighten their security measures, so I closed out my accounts.

I realize that every paper check has the account number and the bank routing number on it, but I rarely write a paper check anymore.

  
Unlike regular email, the Barclay's website is encrypted, and it is done properly.  If anyone is viewing your CD account number "in plain sight," ask them to kindly  stop looking over your shoulder.  Hardly a "hackers dream come true."
I'm critical of true security issues, but this certainly isn't one of them.

By the way, have you ever applied for a mortgage?  How did you send your tax returns, W-2, bank statement documents to the broker, and how did the broker exchange the same with the underwriters?  

 

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did penfed get rid of their cds?

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titan01 said:   did penfed get rid of their cds?
  No.  They've always been  called "money market certificates" at PenFed CU. 

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Liberty Bank (Conn.) advertised these CD rates today (April 7). Checking account required.
3 year 2.00% APY
4 year 2.25% APY
5 year 2.50% APY

Limited to:
•CT - all residents
•MA - residents of Hampden, Hampshire, Worcester Counties
•RI - residents of Washington County

One account per household. $1K minimum, $250K max.

Can't find the advertised rates on the website -- just in today's Hartford Courant ad.
They are doing signups by phone: 888-570-0773, or at branches.

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What is the title of this thread?

I recommend starting a separate thread for your local bank or perhaps starting a local bank thread. 

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NEDeals said:   What is the title of this thread?
  If there's a "Best regionally available rates" thread, please share it with us. Otherwise I think it's better posted here than not at all - at least some people may benefit, and these days it's not like the deals are coming so hot and heavy that the server is overloaded and the readers go bleary-eyed sorting through them all.

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thanks!!!

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Transportation Federal Credit Union has a 2% 36 month CD (min $1,000). Anyone can join this credit union by joining the American Consumer Council.
https://www.transfcu.org/?page=anniversary_certificate 
http://www.americanconsumercouncil.org/ 
 

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Anyone can join this CU 
Usalliance FCU, http://www.usalliance.org/products-and-services/deposit-products/cd-specials

13 Month*
1.21%APY

35 Month*
1.61%APY

$500 minimum to open/No maximum

New money only.**
eStatements required

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Waffles said:   Transportation Federal Credit Union has a 2% 36 month CD (min $1,000). Anyone can join this credit union by joining the American Consumer Council.
https://www.transfcu.org/?page=anniversary_certificate 
http://www.americanconsumercouncil.org/ 

  Went to American Consumer Council's application page and Transportation Federal Credit Union does not appear in their list of affiliated CUs.

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Pipeline2112 said:   
Waffles said:   Transportation Federal Credit Union has a 2% 36 month CD (min $1,000). Anyone can join this credit union by joining the American Consumer Council.
https://www.transfcu.org/?page=anniversary_certificate 
http://www.americanconsumercouncil.org/

  Went to American Consumer Council's application page and Transportation Federal Credit Union does not appear in their list of affiliated CUs.

  
The relevant link is here: https://www.transfcu.org/?page=about_join

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Synchrony Bank - available nationwide online

15 month 1.15% APY
https://www.myoptimizerplus.com/banking/promotions/BON12?UISCode...

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Evilmagus said:   Synchrony Bank - available nationwide online

15 month 1.15% APY
https://www.myoptimizerplus.com/banking/promotions/BON12?UISCode=0000000


15 month 1.2% APY
60 month 2.3%

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UniCredit Bank is offering to pay up to 8.25% APR for 6 month deposits of $30,000.01 USD or more.
LINK 

AziziBank is offering to pay up to 6% for 3 year deposits of USD.
LINK 

Khan Bank is paying up to 4.2% APR for 3 month deposits of $1,000 USD or more.
LINK 

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These %interest sound great! But, could you trust an Afganistan Bank to hold your money?

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The banks should be limited to ONLY ones in the US with FDIC insurance.

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pattyB said:   These %interest sound great! But, could you trust an Afganistan Bank to hold your money?
   I don't even trust them to hold YOUR money

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I was really hoping I could get in on this.

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I wouldn't even trust a US-based bank without FDIC insurance to hold my money...let alone a random bank offering a "lucrative" rate in a 3rd world country...

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PenFed's rates dropped. No December special like last year.

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drazda said:   PenFed's rates dropped. No December special like last year.
That was like being all excited expecting something from Santa and finding a lump of coal in your stocking.

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I have a feeling Penfed will be announcing a deal that will start Jan 1st. I wont be doing even if they do, already have to much there between there 5% and 3.04%. Instead  will take advantage of a local deal I found, 24 month 2%

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RS4Rings said:   I have a feeling Penfed will be announcing a deal that will start Jan 1st. I wont be doing even if they do, already have to much there between there 5% and 3.04%. Instead  will take advantage of a local deal I found, 24 month 2%
  Any insider information as to why you think Penfed will be offering a deal on Jan 1?

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"Moderator Comment: Thank you for your participation. Please note this is a rate thread. All discussion about this topic goes here Here.=11px — Feb/06/2011 8:47 PM" 

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lovemydogtracy said:   
RS4Rings said:   I have a feeling Penfed will be announcing a deal that will start Jan 1st. I wont be doing even if they do, already have to much there between there 5% and 3.04%. Instead  will take advantage of a local deal I found, 24 month 2%
  Any insider information as to why you think Penfed will be offering a deal on Jan 1?

  Just a hunch, most of their specials start in January so that means they will have many maturing then and will need to offer something to either keeps some of them or bring in new to replace what flows out. And this crap about not having discussions here is dumb, this thread has been pretty dead for new deals so might as well discuss what hopefully is coming. Also I like even seeing deals here that are not nationally available, even if I can't get it I get to see what might be coming my way   

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RS4Rings said:   
lovemydogtracy said:   
RS4Rings said:   I have a feeling Penfed will be announcing a deal that will start Jan 1st. I wont be doing even if they do, already have to much there between there 5% and 3.04%. Instead  will take advantage of a local deal I found, 24 month 2%
  Any insider information as to why you think Penfed will be offering a deal on Jan 1?

  Just a hunch, most of their specials start in January so that means they will have many maturing then and will need to offer something to either keeps some of them or bring in new to replace what flows out. And this crap about not having discussions here is dumb, this thread has been pretty dead for new deals so might as well discuss what hopefully is coming. Also I like even seeing deals here that are not nationally available, even if I can't get it I get to see what might be coming my way   

  
Rates will eventually rise, and when that happens, this over-ten-year-old thread will again be quite busy. Most who follow this thread are not doing so to read the "hunches" of others, or, for that matter, whether someone thinks certain thread policies are "crap" or "dumb". 

As already noted and then dismissed by you, there is a thread where you and others can discuss your hunches ad nauseum. There is also a thread where you can discuss regional rates if you're interested in "what might be coming your way".

The rather obvious point is that, when rates rise and this thread becomes more active, I don't want to have to scroll through numerous posts of hunches, opinions, and "LOLs" in order to read one post that reports a CD rate.

If you think my comment is crap, I suggest you go discuss it on the "CD Rate Discussion" thread.

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Tobyhanna FCU 7-year Prime Rate Certificate. It has a few unique features:

1) Rate is Prime-3.75% with a 3.04% floor, 7.23% ceiling for up to 100k, 0.05% over
2) Min 1k to open
3) Additional deposits at any time of any amount are allowed
4) Two year's interest early withdrawal penalty, which can bite into principal if it's been open <2 years
5) Have to reinvest interest
6) Membership available to everyone through American Consumer Council, but they do a hard pull.

Seems like cheap insurance against a continued low rate environment to open it with the min and wait a couple years.
I'm kind of tempted to open it and refi into a NavyFed 5/5 (from a 15 year) then see if it makes sense to pay off the house when it vests. Take any discussion to the discussion thread.

Deposit Accounts discussion: https://www.depositaccounts.com/blog/2014/12/tobyfcus-prime-rate...
https://www.tobyhannafcu.org/personal/savingsandcds/certificates...

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Any opinion on the 1.37% blended 1 yr certificate at Connexus CU?

https://www.connexuscu.org/savings/share-certificate 

Deposit Accounts post on this deal

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