|
-
-
craig10x
- Senior Member - 3K
posted: Dec. 5, 2007 @ 12:03p 
lhendricks92 said:Got $50/$50 for me and DW. Looks like Fidelity ACH push counts as DD. you know that seems to be the case with alot of CU's....with mine, any ach push in gets recorded as a direct deposit (you see it in the transaction history listed as such...and with my CU, which has cash edge ACH transfers, even when i do an ACH pull in to them, it also gets recorded as a DD! |
-
-
lhendricks92
- Senior Member - 1K
posted: Dec. 5, 2007 @ 1:19p
SECU Advantage MM Savings rates are down sharply:
Tiers Rate APY
$25,000-$49,999 4.27% 4.35%
$50,000-$74,999 4.31% 4.40%
$75,000-$99,999 4.36% 4.45%
$100,000-$199,999 4.51% 4.60%
$200,000-$499,999 4.55% 4.65%
$500,000 and above 4.60% 4.70% |
-
-
VivYip
- Senior Member - 2K
posted: Dec. 5, 2007 @ 2:47p
I don't know how liquid people want their money to be in here, but if a person happened to have opeened a 1yr add-on cd to get the extra $10 then, the rate was locked in at 4.90%...so if a person wanted to put any loose(?) money that's staying in SECU just turn that into a weird savings account... (not as good as some 5% savings account, but if you're not taking the money out before 9/29...this might work) |
-
-
CycloneFW
- Senior Member
posted: Dec. 5, 2007 @ 7:22p
VivYip said:CycloneFW said:
If you can find a shared service center credit union around you, you can make the deposit it there. Or you can wire into the SECU acct. The premier checking has no incoming wire fee.
I know that meadows cu is part of the shared service center (cuswirl?) but is SECU also part of it? just curious
craig10x said:SECU is not a member a CU Swirl (shared branch services), so one could not make a deposit at one of those for SECU....In order to use one of those, your CU must participate also.... Oops, did not realize that AT ALL! This will be first CU acct I have that is not part of the share service center setup. At least I was right about the wire though  |
-
-
CycloneFW
- Senior Member
posted: Dec. 5, 2007 @ 7:25p
VivYip said:I don't know how liquid people want their money to be in here, but if a person happened to have opeened a 1yr add-on cd to get the extra $10 then, the rate was locked in at 4.90%...so if a person wanted to put any loose(?) money that's staying in SECU just turn that into a weird savings account... (not as good as some 5% savings account, but if you're not taking the money out before 9/29...this might work)
Keep in mind that SECU does NOT allow partial withdrawals. Thus, if you ever need any cash in those add-on CD(s), you will need to break it/them. I have thought about Wachovia's liquid CD, but it only pays 4.01% and I do not think rates will go that low in the near term (I am hoping against that in the long term too). Anyone else have such a product, or should I just keep looking at Online Savings/MM & MMFs. |
-
-
craig10x
- Senior Member - 3K
posted: Dec. 5, 2007 @ 10:15p
yes, cyclone, unfortunately that is true of SECU (not a member of CU shared branch services) which is definately a good thing to have....i found a CU i really love and that is on Allpoint, COOP (for free atms) AND CU Shared Branch Services (CU Swirl)....i wanted to have all them for maximum flexibility.... In fact if your CU has "CU Swirl" you can use the new VCOM terminals in many 7-11 stores that accept deposits for that network...Mine even accepts "NYCE Deposits" so here in NYC i can even use local Wachovia branches for deposit access to my CU..and some Check Cashing places in my area take the NYCE deposits also.... After missing the SECU CD deal, i decided i liked CU's alot and found one that i am really happy with, so i never opened with SECU....so i missed the deal but found a cool CU....  |
-
-
mh83
- Senior Member
posted: Dec. 29, 2007 @ 10:36p
Technologist said:Someone remind me to check my SECU statement on Dec 29th... I opened my CDs on the 29th of SEPT, which means I will PROBABLY get taxed this year on the bonus PLUS the first Quarters interst in 2007...
Since it was your appeal for information about SECU that prompted me to post this deal, it’s fitting that I provide you with this reminder, per your request. BTW, thanks again for all the advice regarding the behind-the-scenes drama. |
-
-
stfs
- Senior Member
posted: Jan. 2, 2008 @ 10:31a
Does anyone have quarterly bonus posted on the CD yet or is it just me that don't have it yet? |
-
-
Technologist
- Senior Member - 3K
posted: Jan. 2, 2008 @ 10:39a
mh83 said:Technologist said:Someone remind me to check my SECU statement on Dec 29th... I opened my CDs on the 29th of SEPT, which means I will PROBABLY get taxed this year on the bonus PLUS the first Quarters interst in 2007...
Since it was your appeal for information about SECU that prompted me to post this deal, it’s fitting that I provide you with this reminder, per your request.
BTW, thanks again for all the advice regarding the behind-the-scenes drama. Sorry guys, been busy with holidays.... YES, my quarterly interest posted on 12/29, as expected!
|
-
-
mh83
- Senior Member
posted: Jan. 2, 2008 @ 10:40a
stfs said:Does anyone have quarterly bonus posted on the CD yet or is it just me that don't have it yet?
Quarterly bonus? The bonus was a one-time thing for opening the CD. Perhaps you meant quarterly interest payment instead? That should be posted on your three month anniversary date. |
-
-
lhendricks92
- Senior Member - 1K
posted: Jan. 2, 2008 @ 10:42a
stfs said:Does anyone have quarterly bonus posted on the CD yet or is it just me that don't have it yet? the bonus was paid immediately upon opening. i'm assuming you are referring to the regular dividend. as expected, my quarterly dividend posted today (jan 2) for the CD i opened on oct 2. |
-
-
stfs
- Senior Member
posted: Jan. 2, 2008 @ 10:56a
Yes, quarterly dividend was what I meant. Thanks for the replies so mine should be posted tomorrow and the interest would be applied toward 2008 instead of 2007. Sometimes quarterly interest on a CD posted on the last day of the quarter regardless of when you open it. This one is different so I was confused and a little panic. |
-
-
Technologist
- Senior Member - 3K
posted: Jan. 2, 2008 @ 11:01a
lhendricks92 said:stfs said:Does anyone have quarterly bonus posted on the CD yet or is it just me that don't have it yet?
the bonus was paid immediately upon opening. i'm assuming you are referring to the regular dividend. as expected, my quarterly dividend posted today (jan 2) for the CD i opened on oct 2. Correct. I got the bonuses immediately upon opening, and got quarterly interest paid 12/29. Next interest should be paid 03/29/2008, then final MONTH of interest on 04/29. Then I close the CD's, and MOVE da $$$$!!! |
-
-
markkundinger
- Senior Member - 2K
posted: Jan. 2, 2008 @ 1:18p
Ah, thanks for bringing this up guys, I was expecting the interest to post on Dec 31. Instead, looks like my interest won't post until Jan 9. Which is actually great, because it means I won't have to pay the taxes on it until next year. |
-
-
jairocon
- Senior Member - 1K
posted: Jan. 2, 2008 @ 3:50p
Yup - mine posted today! Right on time. |
-
-
mnsweeps
- Senior Member - 10K
posted: Jan. 2, 2008 @ 7:55p
Mine was opened on 10-4-07 so i assume interest will be posted around jan 4, right? |
-
-
EugeneV
- Ancient Member
posted: Jan. 3, 2008 @ 12:01p
-
-
VerbalK
- Senior Member - 1K
posted: Jan. 3, 2008 @ 12:08p
Looks right to me. Am I missing something? -edit-
Since Eugene blanked his message, I'm guessing it looked right to him too.
/edit |
-
-
kkerty89
- Senior Member
posted: Jan. 3, 2008 @ 2:20p
lhendricks92 said:
I might even open an account now and see if I can automatically dump my CDs into this account upon maturity. Did you get an answer to this? Mine matures on a Sunday, which is pretty irritating for someone who likes to be efficient about this |
-
-
lhendricks92
- Senior Member - 1K
posted: Jan. 3, 2008 @ 2:25p
kkerty89 said:lhendricks92 said:
I might even open an account now and see if I can automatically dump my CDs into this account upon maturity.
Did you get an answer to this? Mine matures on a Sunday, which is pretty irritating for someone who likes to be efficient about this Ouch, a day of lost interest. I feel your pain. I haven't looked into it any further. Sounds like you might be sufficiently motivated to give them a call. |
Close
|
|
 |
|
Not Already A Member?
Sign Up Now!
|
|
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
|
|
