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Do you suppose they'll wait till after the FOMC meeting to decide the November rate? Who will email them for info?


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November Savings rate is 3.75%. Its unchanged. Called them today.


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john98 said:November Savings rate is 3.75%. Its unchanged. Called them today.

Gosh. I think that's a pretty sweet rate!


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Alliant has offered consistant rates now for several years. Sometimes they are not the highest, but they don't do teaser rates only to drop them to nothing when they've reached the amount of money to which they set their goal. Excellent service trumps a small percentage offered by others.


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john98 said:November Savings rate is 3.75%. Its unchanged. Called them today.
Whoo Hoo! Thanks for the good news.


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Craig

Congratulations for consolidating accounts.

But, c'mon, you switched to CNB for the promo rate, If that ain't rate chasing, what is?

Honestly, watching you switch multiple accounts every month makes my head spin. LOL!

Here's what I have; Savings accounts with Alliant CU and Provident Direct, because they don't fluctuate a lot, and don't do promotions, or offer temporary teaser rates. They are also very easy to use with fast transfers and have reliable service.
I use Ascencia and ING for CDs. I'm also a member of several other credit unions but I haven't parked any funds in them at the moment.

One reason for not switching accounts a lot is the hassle and you also usually lose interest days when transferring funds.
Plus it's more work on your income taxes.

So, while "others" switch accounts every month and expand or diminish the number of accounts steadily, I stay steady by sticking with the old reliables with the least restrictions.

craig10x said:Argyll said:craig10x said:I use to have an account with Alliant...no, there is no restrictions on the number of transfers in, as far as being free....but it's six going out, just like any other Savings or Money Market Account (federal law)....

You love 'em and leave 'em, eh?

Still love them...but as i previously mentioned...while others keep expanding the number of accounts they have, i decided to go the opposite route...trim to the bare bones...It's just CHASE (main day to day banking) CNB Bank Direct (High yield 4% apy account linked to Chase) and E Trade for Brokerage...and that is it!

However, that doesn't change my opinion of Alliant..excellent rate...excellent free atm coverage and excellent customer service.....highly recommend them!


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Argyll..that is a very nice and basic set-up you have there...i tip my "hat" to you (lol)

I did just want to mention that the reason i went for the CNB account was: i liked the idea of the locked in 4% for 6 months...but also felt that there was a good chance they would tend to keep rates at or near the top because they are a small bank and it would be the best way to compete with the larger banks that offer these accounts....and since i like the idea of a high rate of course (who doesn't...lol) and i didn't want to have to keep moving around (now that i've gone to the basic "bare bones" type of set-up) that i thought they might be a good bet to go with for the long term...this was my reasoning behind selecting them in particular....


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3.75 is pretty good rate. when most of the online banks are decreasing interest rates, Alliant is maintaining the rate consistently. Thats really wonderful!!!!


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Thank you Alliant!


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whats the APR for December? Any one called them.


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john98 said:whats the APR for December? Any one called them.

for December you would have to call them after the 25th of November..it is at the end of the month meeting that they decide the share rate for the next month...so it is muuuuch too early for them to know (lol)


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They don't usually set the rate till after the 20th of the month.


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Just wish that they will keep the rate same!


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The top 50 credit unions:

http://creditunionaccess.com/top50creditunions.htm

Alliant ranks 8th in assets and 30th in members


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Argyll said:The top 50 credit unions:

http://creditunionaccess.com/top50creditunions.htm

Alliant ranks 8th in assets and 30th in members

interesting asset/member ratio


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NDogg said:Argyll said:The top 50 credit unions:

http://creditunionaccess.com/top50creditunions.htm

Alliant ranks 8th in assets and 30th in members


interesting asset/member ratio

This is very likely because their savings account is one of the highest, if not the highest, in the nation among credit unions.

Message edited by: Argyll on 2008-11-15 14:58:45 CST
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Argyll, Thanks for posting the top 50 credit unions list. I found it very useful. It turns out I'm a member of two of the very strongest: Penfed and Alliant. What luck.


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Good list. I am also member of two of the very strong credit unions. Thanks.


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Here are eight quality CUs anyone can join:

Alliant (Best Savings rate)

Pentagon FCU
Delta Community
Addison Avenue
Digital FCU
Vystar
Redstone
NASA

Message edited by: Argyll on 2008-11-16 12:36:13 CST
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Thanks, Its a good list.


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