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Best Bank Account Interest Rates - Summary for September 18, 2018

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The next Fed meeting is scheduled for next week (Sept 25-26), and a rate hike appears to be almost a sure thing. Economic data continues to support the Fed’s plan for gradual rate hikes. The monthly Consumer Price Index (CPI) report was released last week, and it showed that inflation was unexpectedly mild. According to this Bloomberg article:

A gauge of underlying U.S. inflation unexpectedly cooled in August as apparel prices fell by the most in about seven decades and medical-care costs declined, suggesting little urgency for the Federal Reserve to speed up the pace of interest-rate hikes.

Housing data that’s scheduled for release this week could show early signs of economic weakness that could influence the Fed next year. Economist Tim Duy had this to say in his recent Fed Watch blog post:

We will be watching for indications that housing activity could be a moderating factor on economic activity. Enough such factors and the Fed could see the data that support a sustained policy pause in the first half of next year. But as I have said before, that is still more hope than reality.

As seen in this excerpt, Tim Duy still considers it most likely that the economy will remain conducive to a continuation into next year of the Fed’s policy of gradual rate hikes. If that happens, four more Fed rate hikes over the next year seems reasonable.

If you look back at deposit rates in early June 2017 (before the most recent four Fed rate hikes), the top savings account rate was 1.30% APY and the top 1-year CD rate was 1.55% APY. Today’s top rates are around a full percentage point above these values. Thus, it seems reasonable that the top savings account rate may be around 3.25% and the top 1-year CD rate will be around 3.75% a year from now. Of course, other factors could come into play even if the economy remains healthy. An inversion of the yield curve could put a lid on long-term rates. That could mean we may not see many 4% 5-year CDs next year.

All Treasury yields were up from last week. The long-term Treasury securities had the largest gains. The 5-, 10- and 30-year yields all increased 7 bps from last week. Consequently, the yield curve as defined by the 10-2 spread (the difference between the yields of the 10-year and 2-year Treasury notes) widened a bit from last week, increasing from 22 bps to 24 bps.

The odds of a 25-bps Fed rate hike next week continues to be 100% based on the Fed funds futures. The odds that the Fed rate will be at least 50 bps higher in December (most likely a 25-bps rate hike in September and December) went up from last week, rising from 79.1% to 87.0%.

The following numbers are based on Daily Treasury Yield Curve Rates and the CME Group FedWatch.

Treasury Yields:

  • 1-month: 2.05% up from 2.02% last week (0.96% a year ago)
  • 6-month: 2.36% up from 2.31% last week (1.18% a year ago)
  • 1-year: 2.58% up from 2.55% last week (1.30% a year ago)
  • 2--year: 2.81% up from 2.76% last week (1.40% a year ago)
  • 5--year: 2.94% up from 2.87% last week (1.83% a year ago)
  • 10-year: 3.05% up from 2.98% last week (2.23% a year ago)
  • 30-year: 3.20% up from 3.13% last week (2.80% a year ago)

Fed funds futures' probabilities of future rate hikes by:

  • Sep 2018 - up by at least 25 bps: 100% same as last week
  • Dec 2018 - up by at least 50 bps: 87.0% up from 79.1% last week
  • Mar 2019 - up by at least 75 bps: 50.3% down from 50.5% last week

Savings and Money Market Account Rates

The above graph shows the rate trends of the average savings account rates. These average rates are based on all the rate data that we have collected over the years. This is an interactive graph. You can choose the look-back period (from 3 months to 5 years).

As you can see in the graph, the average savings account rate is well above the five-year high. The average is dominated by brick-and-mortar banks and credit unions. Thus, the average is still low compared to internet savings account rates.

Below are the noteworthy savings and money market account rate changes that have occurred in the last two weeks:

  • MySavingsDirect Savings (+125 bps to 2.25% APY)
  • BankPurely Money Market (+25 bps to 2.25% APY, $25k min)
  • iGObanking Money Market (+25 bps to 2.25% APY, $25k min)
  • CIBC USA Agility Savings (+20 bps to 2.10% APY)
  • CIT Bank 11-mo No Penalty CD (+20 bps to 2.05% APY)
  • MutualOne Bank Online Savings (+21 bps to 2.02% APY, $1m max)
  • Incredible Bank Savings (+14 bps to 2.02% APY, $25k min)
  • HSBC Direct Savings (+21 bps to 2.01% APY, $2m max)
  • SFGI Direct Savings (+10 bps to 1.91% APY)
  • Pacific National Bank Money Market (+45 bps to 1.90% APY, $5k-$240k)
  • McGraw-Hill FCU S3 Prime Money Market (new, 1.85% APY, $1m max)

Several online savings and money market accounts reached 2% in the last two weeks. Most noteworthy is the savings account at MySavingsDirect. After holding at 1.00% APY for more than a year, the rate shot up to 2.25% APY in early September. This is now the highest rate on a no-minimum savings account that’s nationally available.

MySavingsDirect is one of the three online divisions of Emigrant Bank. The other two are Emigrant Direct and DollarSavingsDirect. Emigrant Bank has a history of making one of its three online banks a rate leader for a period of time. When that period ends, the rate eventually becomes uncompetitive.

Last year, Emigrant Bank made DollarSavingsDirect its rate leader while MySavingsDirect savings account APY remained at 1%. DollarSavingsDirect first became competitive in April 2017 when its APY shot up from 0.55% to 1.25%. The APY kept rising until February 2018 when it peaked at 1.80%. In February, the 1.80% APY was a rate leader. That has changed, and now it’s on the low side for online banks. Based on history, the 1.80% APY will probably hold steady. Its competitiveness will continue to decline as the Fed continues to raise interest rates.

Now, MySavingsDirect is the rate leader, and based on history, Emigrant Bank will likely keep it a rate leader for at least six to 12 months. At some point, MySavingsDirect savings rate will peak, and then we may see EmigrantDirect be the next leader. EmigrantDirect was Emigrant Bank’s first online bank. When it launched around the start of 2005, its savings account APY was 3.00%. The rate continued to rise throughout 2005. Perhaps EmigrantDirect will be back with a 3% APY in the next year.

Even though we shouldn’t expect MySavingsDirect to be a rate leader for the long run, it can be useful as a savings account while it’s a rate leader. MySavingsDirect and its two sister online banks haven’t changed much in their online banking features. As I described in my MySavingsDirect review, its ACH transfer service has several limitations. However, its bank-to-bank transfers are fast and the maximum amount that can be transferred is large ($500k). So it can be a useful savings account to attach to an online bank like Ally or Capital One.

Another blast from the past is HSBC Direct Savings Account. Back in 2005, the online savings accounts at EmigrantDirect and HSBC Direct were both in contention as the nation’s rate leader. As I described in this July post, HSBC has brought back HSBC Direct with a competitive online savings account. Its latest rate hike (2.01% APY) is still not close to MySavingsDirect, but if history repeats, we should expect more rate hikes and more competition between these two banks.

Competition from Money Market Funds

Another option for your cash instead of savings accounts and money market accounts are money market funds from brokerages. These don’t have FDIC coverage, but they can be reasonable alternatives to deposit accounts. Back when the Fed was holding rates near zero, money market funds had yields of around 0.01%. Keeping your cash at internet banks made a lot more sense back then. Now, it’s not so clear. Money market fund yields have been steadily rising as the Fed has been hiking rates.

Vanguard Prime Money Market Fund SEC yield continues to be over 2%. It had a slight increase in the last two weeks, rising from 2.08% to 2.10%. Fidelity Money Market Fund’s 7-day yield held steady at 1.83%.

Allan Roth has a review at AARP of using money market funds to replace savings accounts. He suggests using funds such as Vanguard Federal Money Market and Vanguard Treasury Money Market yield instead of the Vanguard Prime Money Market Fund. The yields are slightly lower, but they are a little safer due to recent regulation changes. Treasury money market funds have an additional advantage of being exempt from state income taxes.

Municipal money market funds have the advantage of being exempt from federal income tax, but their yields continue to be quite a bit lower than the other money market funds. Vanguard Municipal Money Market Fund now has an SEC yield of 1.41%.

Reward Checking Accounts

Two weeks ago we finally had a few changes to my list of nationally available reward checking accounts, but this week, we’re back to no change. We’re not seeing widespread rate increases like we are seeing with online savings accounts.

One popular credit union recently announced upcoming changes to its Rewards Checking Account. I had mentioned this two weeks ago. Since it hasn’t taken effect yet, I’ll mention it again. Consumers Credit Union notified customers of changes that will take effect on October 1st. One positive change will be rate hikes. The top rate for Tier A will be 5.09% APY, up from the current 4.59% APY. The big negative change is a reduction of the maximum balance that qualify for the top rates. For Tier A, the balance cap will be shrinking from $20k to $10k.

To find the highest reward checking rates and balance caps in your state or nationwide, please refer to our reward checking rate table. If you're new to reward checking, please refer to my blog post, Overview of Reward Checking and Our Reward Checking Table.

Certificate of Deposit Rates

I’m now publishing my CD survey as a separate post. Please refer to my survey of the best CD rates. This recap will focus on banking news of the week and liquid accounts.

CD Deals: I just wanted to include this reminder of a few noteworthy CD deals that are available.

The latest new CD deal is the 16-month CD special at the easy-membership credit union AgFed. This special earns 3.16% APY, and the minimum deposit is $1,600.

AgFed’s CD special didn’t quite outdo the hot CD deal at NASA Federal Credit Union. That deal is still number one with a 3.25% APY and a 15-month term. Minimum deposit is $5,000.

If you want a shorter term than 15 or 16 months, you’ll have to settle for under 3%. However, you can get close to 3%. The best short-term CD deal continues to be the 9-month CD special at the easy-membership Andrews Federal Credit Union (2.75% APY). Minimum deposit is $1k, and the maximum is $250k.

The best nationally-available 12-month CD continue to be the special at USALLIANCE Financial Credit Union. The CD special earns 2.75% APY. The credit union also has a 36-month CD special that earns 3.25% APY. Minimum deposit for both is $500.

Rates as of September 18, 2018

Checking/Savings/Money Market Accounts:

  • Noteworthy Accounts Available Nationwide:
InstitutionRatesNotes
MySavingsDirect2.25%MySavings Account - Account review
Customers Bank2.25% ($25k)Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
BankPurely2.25% ($25k min) PurelyMoneyMarket - Account review
iGObanking.com2.25% ($25k min) MMA, New accounts and new money only - Account review
Northfield Bank2.25% ($100k max) Online Platinum Savings - Account review
Vio Bank2.11% Online High Yield Savings
CIBC USA (formerly The Palladin PrivateBank)2.10%Agility Savings Account - Account review
CommunityWide Federal Credit Union2.10% (penalty-free withdrawals first 5 days of each calendar quarter)High Rate Quarterly Funds Account - Account review
United Bank (MA)2.10% (6mo rate guarantee) Advantage Money Market, not available in all states - Account review
Bank 72.05% ($100 min)High Rate Online Savings Account
Bank5 Connect2.05% ($100 min) High Interest Savings - Account review
Salem Five Direct2.05% eOne Savings, for new customers only - Account review
CIT Bank2.05% ($1k min)11-month No-Penalty CD - Account review
Bank 72.05% ($5k min)High Rate Online Money Market
MutualOne Bank2.02% ($1m max)Online Statement Savings - Account review
NASB2.02% ($25k+), 1.77% (up to $25k), 0.10% ($1.5m+)MMA Special Online Only - Account review
Incredible Bank2.02% ($25k+), 1.21% ($2.5k), IncredibleBank Savings - Account review
Virtual Bank2.01% (1 year rate guarantee)eMoney Market - Account review
HSBC Direct2.01%HSBC Direct Savings
Citizens Access2.00% ($5k min)Online Savings Account - Account review
Popular Direct2.00% ($5k min) (60-day freeze on new accounts, see details)Popular Direct Plus Savings - Account review
All America Bank2.00% (up to $50k), 0.50% ($50k+)Mega Money Market Account - Account review
Redneck Bank2.00% (up to $50k), 0.50% ($50k+)Mega Money Market Account
Chartway Federal Credit Union2.00% ($500)12-month No Penalty CD - Account review
Ally Bank2.00% ($25k)No-Penalty 11-month CD - Account review
Radius Bank1.96% ($25k+), 1.50% ($2.5k+)Radius High-Yield Savings - Account review
Northpointe Bank1.95% ($25k), 1.12% (below $25k and $1m+)Ultimate Savings - Account review
SFGI Direct1.91%SGFI Direct Savings Account - Account review
Marcus by Goldman Sachs1.90%High-Yield Online Savings Account - Account review
Sallie Mae Bank1.90%Money Market Account - Account review
iGObanking.com1.90%iGOsavings - Account review
BankPurely1.90% ($1 min) SavingPurely - Account review
Pacific National Bank1.90% Money Market Deposit Account - Account review
PurePoint Financial1.90% ($10k min)Online Savings - Account review
Synchrony Bank1.85%High Yield Savings - Account review
Ally Bank1.85%Online Savings - Account review
Barclays1.85%Online Savings - Account review
MemoryBank1.85% ($1 million max) Online Money Market - Account review
FNBO Direct1.85%Online Savings
CIT Bank1.85% ($100 min)Money Market - Account review
McGraw-Hill Federal Credit Union1.85% ($100) (guaranteed through 3/31/19)S3 Prime Money Market - Account review
ableBanking1.85% ($250 min)Money Market Savings - Account review
Capital One1.85% ($10k+), 0.85% (up to $10k)360 Money Market - Account review
First Internet Bank1.81% ($250k+) 1.61% (up to $250k)Money Market Savings
American Express Bank1.80%High Yield Savings - Account review
DollarSavingsDirect1.80%Dollar Savings Account - Account review
Live Oak Bank1.80% ($5 million max) Savings Account - Account review
Discover Bank1.80% Online Savings - Account review
TIAA Bank1.80% (1yr intro rate) 1.70% ($100k+) ongoing rateYield Pledge Money Market - Account review
Alliant Credit Union1.80% ($100 min)High-Rate Savings - Account review
American Heritage Credit Union1.80% ($10k min)High Yield Savings (guaranteed through 12/31/2019)
EBSB Direct1.80% ($10k+), 0.80% ($2m+), 0.50% ($10+)Money Market Special 3 - Account review
West End Bank1.75%Online Savings
Salem Five1.75% ($1m max)Gold Star Money Market - Account review
Sallie Mae Bank1.75%High Yield Savings - Account review
Quorum Federal Credit Union1.75% HighQ Savings
Bethpage Federal Credit Union1.75% ($500 min)Money Market
MyBankingDirect1.75% ($25k+), 1.50% ($5k+), 0.25% (less than $5k) Money Market
BBVA Compass1.70% ($10k min, 12mo rate guarantee)ClearChoice MMA Promo - Account review
UmbrellaBank1.70% ($25k min), 1.00% ($1k)Money Market
Discover Bank1.70% ($100k min), 1.65% ($2.5k) MMA - Account review
PenFed Credit Union1.65%Premium Online Savings
Colorado Federal Savings Bank1.65% ($50k+) Premier Savings (New customers) - Account review
Franklin Synergy Bank1.63% ($500k), 1.50% ($250k), 1.38% ($100k) Synergy Money Market
Amalgamated Bank1.60%Online Savings - Account review
MemoryBank1.60% (up to $250k) EarnMore Interest Checking - Account review
Spectrum Credit Union1.60% ($2.5k+), 0.45% ($1+) MarketEdge Money Market
UFB Direct1.60% ($5k min)High Yield Money Market - Account review
Self-Help Federal Credit Union1.57% ($500) Money Market - Account review
CIT Bank1.55%Premier High Yield Savings - Account review
SmartyPig1.55% SmartyPig Savings - Account review
Blue Federal Credit Union1.55%Sky High Savings - Account review
United Bank (CT)1.55% Prime Money Market Special (in-branch only), Not available in all states -Account review
Nationwide Bank1.55% ($10k+), 1.15% APY (up to $10k)Money Market - Account review
nbkc Bank1.51% ($1m max) Personal Money Market Savings
Northern Bank Direct1.51% ($250k max) Money Market - Account review
My eBanc1.50%Super Saver - Account review
Northpointe Bank1.50% ($25k-$1m, guaranteed for 1 year) Ultimate Money Market - Account review
INOVA Federal Credit Union1.50% ($100k min)Platinum Money Market Savings
McGraw-Hill Federal Credit Union1.45% ($100 min) S3 Prime Savings - Account review
Dime Savings Bank1.35% Dime Direct Money Market, new money - Account review
Signal Financial Credit Union1.35% ($25k+, enrollment in Premium Bundle) Premium Money Market - Account review
Nationwide Bank1.30%Online Savings - Account review
Bank of Internet USA (BofI)1.30% Smart Savings
UFB Direct1.30% ($25k+), 0.20% ($100) Premium Savings - Account review
McGraw-Hill Federal Credit Union1.30% ($75k), 1.10% ($20k), 1.00% ($5k) (guaranteed through 12/31/18)Ascend Account - Account review

Reward Checking Accounts:

  • Noteworthy Accounts Available Nationwide:
InstitutionRatesNotes
Consumers Credit Union4.59% (up to $20k) Rewards Checking - debit card and $1k credit card requirements (Changes coming on 10/1/18)
La Capitol Federal Credit Union4.25% (up to $3k), 2.00% ($3k-10k), 0.10% ($10k+)Choice Checking
Consumers Credit Union3.59% (up to $15k)Rewards Checking - debit card and credit card requirements (Changes coming on 10/1/18)
One American Bank3.50% (up to $10k), 0.25% ($10k+)Kasasa Cash - Account review
Heritage Bank3.33% (up to $25k), 0.15% ($25k+)eCentive Account
Consumers Credit Union3.09% (up to $10k)Rewards Checking - debit card with NO credit card requirements (Changes coming on 10/1/18)
Market USA Federal Credit Union3.01% (up to $15k), 0.05% ($15k+)VIP Checking Platinum Tier - Account review
Evansville Teachers Federal Credit Union3.00% (up to $20k), 0.00% ($20k+)Vertical Dividend Checking - Account review
MainStreet Bank3.00% (up to $15k), 0.25% ($15k+)Kasasa Cash - Account review
Lake Michigan Credit Union3.00% (up to $15k), 0.00% ($15k+)Max Checking
INOVA Federal Credit Union3.00% (up to $15k), 0.07% ($15k+)Shield Checking - Account review
Signature Federal Credit Union3.00% (up to $15k), 0.10% ($15k+)Choice Checking
Great Lakes Credit Union3.00% (up to $10k), 0.20% ($10k+)Free Checking
Partner Colorado Credit Union3.00% (up to $10k), 0.10% ($10k+)High Interest Checking
Campus Federal2.51% (up to $10k), 0.05% ($10k+)Lagniappe Checking
Hanscom Federal Credit Union2.50% ($15k min), 0.30% ($15k+)Kasasa Cash Checking - Account review
Industrial Bank2.50% (up to $15k), 0.25% ($25k+)Kasasa Cash
Altra Federal Credit Union2.50% (up to $15k), 0.40% ($15k+)A+ Checking
All America Bank2.50% (up to $10k), 0.50% ($10k+)Ultimate Rewards Checking
Redneck Bank2.50% (up to $10k), 0.50% ($10k+)Redneck Rewards Checking
New Buffalo Savings Bank2.27% (up to $15k), 0.2497% ($15k+)Kasasa Cash - Account review
Bellco Credit Union2.25% (up to $25k), 0.25% ($25k+)Boost Interest Checking - Account review
Main Street Bank2.25% (up to $25k), 0.25% ($25k+)Kasasa Cash - Account review
Coastal Credit Union2.25% (up to $10k), 0.10% ($10k+) Go Green Checking - Account review that includes companion Go Green MMA
Georgia Bank Company2.15% (up to $25k), 0.40% ($25k+)Kasasa Cash - Account review
TruStone Financial Credit Union2.02% (up to $20k), 0.10% ($20k+)TruRate Checking - Account review
BankFirst2.02% (up to $10k), 0.15% ($10k+)Kasasa Cash
Finex2.018% (up to $25k), 0.20% ($25k+)Axcess Rewards Checking, Premier Account (formerly First New England Federal Credit Union)
XCEL Federal Credit Union2.01% (up to $25k), 0.03% ($25k+)Kasasa Cash Checking
Bay State Savings Bank2.01% (up to $20k), 0.25% ($20k+)Kasasa Cash - Account review
Legence Bank2.01% (up to $10k), 0.25% ($10k+)Kasasa Cash
Hawaii Pacific Federal Credit Union2.00% (up to $25k), 0.25% ($25k+)Kasasa Cash Checking
5Star Bank2.00% (up to $25k), 0.15% ($25k+)Kasasa Cash Checking Account review
Country Bank2.00% (up to $20k), 0.25% ($20k+)Kasasa Cash Checking Account review
Elements Financial2.00% (up to $20k), 0.10% ($20k+)High Interest Checking - Account review
Blue Federal Credit Union2.00% (up to $15k), 0.25% ($15k+)Extreme Checking (up to 4% w/account relationships) - Account review
Northwest Federal Credit Union2.00% ($15k min)Kasasa Cash - Account review
United Educators Credit Union2.00% (up to $10k), 0.25% ($10k+)Kasasa Cash
KS StateBank1.95% (up to $25k), 0.50% ($25k+)Check PLUS - Account review
Connexus Credit Union1.75% (up to $25k), 0.25% ($25k+)Xtraordinary Checking
First Tech Federal Credit Union1.58% (up to $10k), 0.16% ($10k+)Dividend Rewards Checking
Superior Choice Credit Union1.50% (up to $30k)AMP Checking
Marine Federal Credit Union1.26% (up to $10k), 0.05% ($10k+)Kasasa Cash Checking
Bank of Internet USA1.25% (up to $150k), 0.00% ($150k+)Rewards Checking

Certificates of Deposit:

Bank Account Alternatives - NOT FDIC Insured

InstitutionRatesNotes
GM Financial Right Notes2.25% ($50k+), 2.10% ($15k+), 2.00% ($500+)
Duke Energy PremierNotes2.15% ($50k+), 2.00% ($10k+), 1.95% (less than $10k)Duke Energy PremierNotes review
Ford Interest Advantage2.15% ($50k+), 2.00% ($15k+), $1.95 (less than $15k)Ford Interest Advantage review
Vanguard Prime Money Market Fund2.10% 7-day yield
Ally Financial Demand Notes1.85% ($50k+), 1.70% ($15k+), 1.50% (less than $15k) (
Fidelity Money Market Fund1.83% 7-day yield
Vanguard Municipal Money Market Fund1.41% 7-day yield
Fidelity Municipal Money Market Fund1.23% 7-day yield

Post Publication Edits

9/19/2018: Goldman Sachs High-Yield Online Savings rate raised.
9/19/2018: Vio Bank High-Yield Online Savings rate raised.
9/19/2018: Community Bank of Pleasant Hill Premier Money Management Account rate raised.
9/19/2018: Community Bank of Raymore Premier Money Management Account rate raised.
9/20/2018: Community Bank of Raymore Premier Money Management Account removed, not nationally available.
9/20/2018: Community Bank of Pleasant Hill Premier Money Management Account removed, not nationally available.

Related Pages: savings accounts, money market accounts, reward checking accounts, 1-year CD rates, nationwide deals, Internet banks
Comments
aube3000
aube3000   |     |   Comment #1
I'm looking for a 5 year CD w/ a great rate!
#2 - This comment has been removed for violating our comment policy.
#3 - This comment has been removed for violating our comment policy.
deplorable 1
deplorable 1   |     |   Comment #7
You should see one at 4% by December 2018 and 5% by December of 2019.
Anne
Anne   |     |   Comment #8
Thank you Deplorable!

It is nice to see people talk and walk, and you are a true inspriaton!
#9 - This comment has been removed for violating our comment policy.
saveriffic
saveriffic   |     |   Comment #4
Marcus by Goldman Sachs just raised the savings account rate to 1.90%
Inflation_Hawk
Inflation_Hawk   |     |   Comment #5
The trailing 12 month's CPI-U was 2.8%, down from 2.9% in the previous month.
Latest rates relative to this month's inflation figures (CPI-U, non-seasonally adjusted).

Delta Term
-0.550 Savings
-0.050 9
-0.050 12
0.450 15
0.200 24
0.530 36
0.550 48
1.200 60 (IRA only)
0.300 iBond
0.092 TIPS-5Yr
deplorable 1
deplorable 1   |     |   Comment #6
Looks like long term treasuries have FINALLY started to move up with FED hikes. This should cause longer term CD's to start rising soon if they continue to rise. It looks like the banks are awaiting the next FED hike before making any changes to savings and CD's. I'm waiting for the first 2.5% liquid savings account to emerge.
Att
Att   |     |   Comment #12
I would like to see savings accounts that offer great rates without restrictive requirements or limitations.
Gina Upgrove
Gina Upgrove   |     |   Comment #13
Two interesting perspectives!

Noted! Keep an eye out!
#10 - This comment has been removed for violating our comment policy.
deplorable 1
deplorable 1   |     |   Comment #14
Here is the latest initial jobless claims data:
https://www.dol.gov/ui/data.pdf
This is the lowest level for this average since December 6, 1969!
The stock market is also doing well today and this should give the FED the confidence to keep hiking rates.
DOA
DOA   |     |   Comment #15
Everything is doing better except for cd interest rates. I am getting a little tired of seeing those terrible 3's. Not buying into that trick. It will not be long when interest rates will be more and I will be glad I did not get locked into that 3% bait rate.
Mona G
Mona G   |     |   Comment #16
Thanks for the heads up DOA!!!
000
000   |     |   Comment #17
makes a good base if you are laddering

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