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Happy Thanksgiving!


I wanted to wish everyone a safe and wonderful Thanksgiving with family and friends! Thanks for all of your support this year. DA member Pearlbrown said it well in the forum, "May this holiday season bring all of us good health, peace, prosperity and the time to enjoy them with our loved ones."

It’s sort of my blog tradition for Thanksgiving to look back at some of the bank deals this year that we can be thankful for. There were several good deals, but the one deal that stood out was the add-on CD special at Northwest Federal Credit Union (NWFCU). In October, NWFCU came out with a 3-year add-on certificate with a 3.04% APY. As you might expect, the deal didn’t last long, and it’s no longer available.

What deposit account deals were you thankful for this year? You can see the latest top deals in my weekly CD rate recap and my savings and checking rate recap.

Anonymous   |     |   Comment #1
Ken, HappyThanksgivingTo You And Everyone!  Thanks to this site my average CD maturity is 3 years with an average of 2.75 APY, something the big brokerage houses could not do with their CD's. Keep up the good work!
Jennifer   |     |   Comment #2
Happy Thanksgiving to You, Ken!  This site has had a tremendous positive impact on my finances. 
pearlbrown   |     |   Comment #3
The NWFCU 3-year 3.04%APY add-on CD was definitely the year's exceptional deal to date - and let's hope year-end brings us good news.  The HSBC $350 bonus for new Advance customers was an excellent find, although I did not participate.  The reappearance of the Brigadoon-like 25 mo 2.27%APY CD at USAlliance FCU was another good one. 
Anonymous   |     |   Comment #4
I enjoyed your mention of Brigadoon, pearlbrown.  But I am dismayed at the realization I understood your reference without needing to Google "Brigadoon".
Anonymous   |     |   Comment #5
Today we all offer thanks for the long list of good things in our lives.  Ken Tumin is among the more significant entries on that list.  
Anonymous   |     |   Comment #6
Ken, Happy Thanksgiving!! Keep up the great work. Your site is a weekly go-to for me since discovering it. Would not have known about NWFCU's amazing deal if it were not for you.
rich   |     |   Comment #7
I just want to say thank you "BIG TIME" for your efforts to inform us about all the deals available. I review your site daily and make every effort to get the deals.
Anonymous   |     |   Comment #8
Ken, again I say,  Happy Thanksgiving.  As others say, I'm so thankful for the NWFCU 3-yr 3.04%,(I got in the first day) USAlliance FCU 35 mo 2.27%.  Probably others that you have kept us aware of happening.  Keep up the good work!
Anonymous   |     |   Comment #9
Ken, Thank you for the excellent work of tracking the interest rate of bank and CU!!!

I was able to get a 3% reward checking and 3% CD. Also, I have a better picture of interest rate trend from your weekly update.

Keep up the good work for all the saver like us. Happy Holiday!!!
lou   |     |   Comment #10
There was a paucity of good deals in 2015. In past years it was much easier to list a number of  CD specials with very good rates from various credit unions. In 2015, I can really think of only one very good deal. Hopefully, we will see better opportunities in 2016.

Happy Thanksgiving!
dave9354   |     |   Comment #11
Happy Thanksgiving, Ken! Thank you for your hard work. It has enabled me to keep my head above water with the low interest rates. I, also, grabbed the NWFCU 3 year CD. Hoping to see rate increases in the near future. Your website is a daily stop for me! Thank you, David.
Anonymous   |     |   Comment #12
Great work on this site, Ken.

Keep it up. It's a tremendous service for consumers like us.
Ally6770   |     |   Comment #13
We all appreciate the information, explanations etc that you have given us throughout the
many years. No one takes care of their readers like you do. It is much appreciated. 
Hope you and all your readers had a great day with family and friends. 
Anonymous   |     |   Comment #14
Ken, I visit this site daily and have profited from it immensely, and feel certain that many, many others have as well. Between you and some of the other posters, I feel as though I have some very knowledgeable folks to learn from and lean on from time to time. Thanks a million and keep on keepin' on. 
Anonymous   |     |   Comment #15
Ken, have a Happy Thanksgiving. I'm certainly thankful for your terrific blog.
klink   |     |   Comment #16
Knowing it's late, but then I usually couple all my holidays together and say "Have a Happy, Safe and Joyous Holiday Season" everyone. Ken, thanks for your site. I've learned so much from you and other contributors. Keep it up. Now if only the financial institutions would offer some "Black Friday" deals.
BluBaroness   |     |   Comment #17
I thank you, Ken, for your years of service helping us find the best places to put our funds.
Altho I believe in the "go local" movement, if local banks, S&Ls, & credit unions don't offer nationally competitive rates, I will go to Timbuktu. That gives me more $ to buy that local turkey!
Anonymous   |     |   Comment #18
Thank you for the NWFCU 3-year 3.04%APY add-on CD up to 100,000.  I fully funded that one.  You deserve a medal for finding that one.

The tobyhana federal credit union deal last year was a great 7 year add on cd.  I'm closing in on maxing the 250,000k insurance on that one also.

You need to be commended on finding these deals.  And I have those 3% penfed cd's maxed to 250k when they are up.

Hopefully 2016 will bring us better deals.
decades   |     |   Comment #19
keep hoping penfed might have something under the tree for us this year.. I'll be old enough to get access to funds in 401k
Anonymous   |     |   Comment #20
can cd's have beneficiaries and secondary beneficiaries (per stirpes) ?? I have called two different banks and received two different answers..
Anonymous   |     |   Comment #21
Good question.  Doubt that many know what per stirpes it.  Suggest reading the disclose form/agreement of how an account title, etc may be held and that should answer your question
lou   |     |   Comment #22
No, only IRA's have secondary or contingent beneficiaries.

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