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Best Bank Account Interest Rates - Summary for October 18, 2016


Best Bank Account Interest Rates - Summary for October 18, 2016

The next Fed meeting is just six days before the November 8th presidential election. That’s one of the important reasons few are expecting a rate hike from this meeting. However, there is a real possibility of a surprise. As mentioned in this Bloomberg article:

History shows the policy makers have been perfectly willing to vote in its last meeting before election day.

This USA Today article includes speculation that a November rate hike “would help blunt criticism that the Fed is making policy with politics in mind.” It would show “independence and reinforce (the Fed's) apolitical framework.” Fed Chair Janet Yellen has claimed that Fed doesn't talk about politics at its meetings nor do politics play a role in its policy decisions.

As we have seen all year, the Fed can easily make economic arguments to hold rates steady. There are signs that more Fed officials are seeing a reason for a Fed rate hike sooner rather than later. Fed Vice Chairman Stanley Fischer recent speech suggested that he’s becoming more hawkish. However, economist Tim Duy makes the case that Fischer, Yellen and the rest of the Board of Governors are firmly in the dove camp. The only hawks who really want an early rate hike are the regional presidents. Since the voting power resides with the Governors, don’t expect a November rate hike, and for a December rate hike, we’ll need to see healthy economic news.

The Fed funds future contracts indicate a 65% chance of Fed rate hike by December. That’s down quite a bit from last week when they showed a 75% chance. Most Treasury yields are also down from last week.The following Treasury yields and Fed funds future probabilities are based on Daily Treasury Yield Curve Rates and the CME Group FedWatch.

Treasury Yields:

  • 1-month: 0.26% down from 0.27% last week
  • 6-month: 0.47% down from 0.48% last week
  • 2--year: 0.82% down from 0.87% last week
  • 5--year: 1.24% down from 1.30% last week
  • 10-year: 1.75% down from 1.77% last week
  • 30-year: 2.51% up from 2.50% last week

Fed funds futures' probability of at least one additional rate hike by:

  • Nov 2016: 7%
  • Dec 2016: 65% down from 75% last week
  • Mar 2017: 70% down from 81% last week
  • Jun 2017: 74% down from 86% last week

Savings & Checking Account Rates

For the most part, banks continue to hold steady on their savings and money market account rates. There are just two changes to my list of nationally available savings and money market accounts.

First, EBSB Direct came out with a new money market special. This new special offers 1.25% APY on balances between $10k and $2m. That’s an improvement over their old special which had an APY of 1.08%. EBSB Direct customers who had the previous money market special will have to open this new one to qualify for the higher rate. The bank is probably hoping many existing customers won’t make the effort of opening the new money market special.

The other change is a rate reduction. TIAA Direct reduced the rate of its High Yield savings account by 5 basis points to 0.65%. TIAA Direct’s money market account still offers 0.90%, but this requires a $100k balance. I wouldn’t be surprised if we see more changes to these accounts in the future. TIAA announced in August that it had finalized an agreement to acquire EverBank. The acquisition is scheduled to complete in mid 2017. My guess is that TIAA will stop offering accounts through TIAA Direct and instead offer online accounts through EverBank or a new TIAA-branded version of EverBank.

The number of accounts in the 1% club remains at 20. The 1% club is the group of nationally available checking, savings and money market accounts that have rates of at least 1% APY. I exclude accounts that have promotional rates that are scheduled to fall after a certain amount of time. Also, I exclude accounts in which the 1%+ rate is available only for new customers. The ones on the promotional category include HSBC, EverBank, The Palladian PrivateBank, Northeast Bank, iGObanking.com’s MMA and Salem Five Direct.

Reward Checking Accounts

Banks and credit unions are also in a holding pattern with their reward checking accounts. There was just one change in the nationally available reward checking list.

Blue Federal Credit Union’s Extreme Checking was added to the list. The account pays 2% APY for balances up to $15k. Members can earn 3% or 4% APY if they have enough relationship accounts through the Blue’s Rewards For Life program. Anyone can qualify for Blue FCU membership by joining the Blue Foundation ($5 donation).

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 & 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.

Rates as of October 18, 2016

Checking/Savings/Money Market Accounts:

  • Noteworthy Accounts Available Nationwide:
The Palladian PrivateBank1.30% (6mo intro rate) 1.10% blended APYSavings Account - Account review
Popular Direct1.26% ($5k min)Popular Direct Savings - Account review
EBSB Direct1.25% ($10k min/$2m max)Money Market Special 3 - Account review
Redneck Bank1.25% (up to $35k), 0.50% ($35k+)Mega Money Market Account
State Bank of Texas1.25% ($100k min)Jumbo Money Market Deposit Account - Account review
Connexus Credit Union1.15% ($100k) 1.00% ($50k) 0.75% ($20k)MMA - active chk required
Northpointe Bank1.12% ($10k min, 12 month rate guarantee)UltimateSavings - Account review
EverBank1.11% (1yr intro rate) 0.61% ongoing rateMMA/Checking - Account review
Incredible Bank1.11% ($2.5k), 0.05% ($250k+)IncredibleBank Savings - Account review
Northeast Bank1.10%Pearl Money Market Promo, new customers - Account review
Dime Savings Bank1.10% Dime Direct Money Market, new money - Account review
iGObanking.com1.10% ($25k min) MMA, New accounts and new money only, Account review
Salem Five Direct1.10% (Rate guarantee through January 1, 2017)eOne Savings, for new customers only Account review
SFGI Direct1.06%Savings account - Account review
AloStar Bank of Commerce1.05%Savings account - Account review
GS Bank1.05%Online savings account
Synchrony Bank (formerly GE Capital Retail Bk) 1.05%High Yield Savings
ableBanking1.00%Money Market Savings
iGObanking.com1.00%Savings account - Account review
Barclays1.00%Savings - Account review
Ally Bank1.00%Online Savings
Alliant Credit Union1.00% ($100 min)Savings account - Account review
California First National Bank1.00%Money Market Checking - Account review
Radius Bank1.00% ($2.5k min)Radius High-Yield Savings - Account review
Capital One 3601.00% ($10k+), 0.60% (up to $10k)360 Money Market - Account review
UFB Direct1.00% ($25k min)UFB Savings - Account review
MyBankingDirect1.00% ($25k min), 0.80% ($5k min) Earn >More Money Market
FNBO Direct0.95%Savings account
Discover Bank0.95% ($500 min) Savings account - Account review
Incredible Bank0.95% ($2.5k min) MMA - Account review
CIT Bank0.95%Savings account - Account review
Quorum Federal Credit Union0.90%HighQ Savings Account
Sallie Mae Bank0.90%MMA
Bank5 Connect0.90% ($100 min) Online savings account (not available for MA and RI residents)
Capital One 3600.90% ($100k) 0.75% ($50k)360 Checking
TIAA Direct0.90% ($100k)MMA
American Express Bank0.90%Savings account - Account review
Clear Sky Accounts0.90% ($250k max) Savings account - Account review
Ally Bank0.85%MMA
MySavingsDirect0.85%MySavings account - Account review
Colorado Federal Savings Bank0.85% ($2.5k min)Savings account - Account review
Synchrony Bank (formerly GE Capital Retail Bk)0.85%MMA
Sallie Mae Bank0.85%Upromise GoalSaver Account
Discover Bank0.85% ($100k min) 0.80% ($2.5k) MMA - Account review
Digital Credit Union0.80% ($100k) 0.65% ($50k)MMA
Bank5 Connect0.76% ($100 min) Checking account (not available for MA and RI residents)
SmartyPig0.75%Savings account - Account review
Bank of Internet USA0.75%MMA
Capital One 3600.75%360 Savings account
TIAA Direct0.65%High Yield Savings account
MyCBB0.65%MyCBB Money Market - Account review
FNBO Direct0.65%Checking account
Alliant Credit Union0.65%Checking (req's elec. dep & e-stmts) Account review
Incredible Bank0.59% ($1k min) Checking - Account review
Elements Financial (formerly Eli Lilly Credit Union)0.55% ($10k min) Helium Savings - Account review
Nationwide Bank0.50% ($1k min) MMA
Citizens State Bank (FL)0.50% ($50k) 0.25% ($10k)Internet Savings

Reward Checking Accounts:

  • Noteworthy Accounts Available Nationwide:
Consumers Credit Union4.59% (up to $20k) Rewards Checking - debit card and $1k credit card requirements
Consumers Credit Union3.59% (up to $15k)Rewards Checking - debit card and credit card requirements
One American Bank3.50% (up to $10k), 0.25% ($10k+)Kasasa Cash - Account review
Consumers Credit Union3.09% (up to $10k)Rewards Checking - debit card with NO credit card requirements
Lake Michigan Credit Union3.00% (up to $15k), 0.00% ($15k+)Max Checking
Great Lakes Credit Union3.00% (up to $10k), 0.10% ($10k+)Ultimate Checking
American Bank & Trust2.51% (up to $10k), 0.25% ($10k+)Kasasa Cash
Mid-Illini Credit Union2.50% (up to $25k), 0.15% ($25k+)Cash Rewards High Interest Checking - Account review
Capital Educators Federal Credit Union2.50% (up to $10k), 0.20% ($10k+)High Yield Checking
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
Altra Federal Credit Union2.25% (up to $15k), 0.50% ($15k+)A+ Checking
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), 0.30% ($25k+)Kasasa Cash Checking
Legence Bank2.01% (up to $10k), 0.25% ($10k+)Kasasa Cash
Bay State Savings Bank2.01% (up to $20k), 0.25% ($20k+)Kasasa Cash - Account review
Elements Financial2.00% (up to $20k), 0.10% ($20k+)High Interest Checking - Account review
MainStreet Bank2.00% (up to $15k), 0.25% ($15k+)Kasasa Cash - Account review
Blue Federal Credit Union2.00% (up to $15k), 0.25% ($15k+)Extreme Checking (up to 4% w/account relationships) - Account review
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
ABCO Federal Credit Union1.26% (up to $25k), 0.20% ($25k+)Premiere Checking
Aspire Federal Credit Union1.51% (up to $10k), 0.25% ($10k+)Kasasa Cash
All America Bank1.50% (up to $10k), 0.50% ($10k+)Ultimate Rewards Checking
Heritage Bank1.26% (up to $25k), 0.10% ($25k+)eCentive Account
Bank of Internet USA1.25% (up to $150k), 0.00% ($150k+)Rewards Checking
Avidia Bank1.06% (up to $25k), 0.05% ($25k+)eChecking
Community Bank of Raymore1.01% (up to $10k), 0.20% ($10k+)Kasasa Cash
Community Bank of Pleasant Hill1.01% (up to $10k), 0.20% ($10k+)Kasasa Cash
First American Bank1.00% (up to $15k), 0.13% ($15k+)Everyday Rewards Checking
Bank of Blue Valley1.00% (up to $10k), 0.10% ($10k+)$1k/month debit card req (formerly Ultimate Checking)

Certificates of Deposit:

Bank Account Alternatives - NOT FDIC Insured

Ally Financial Demand Notes1.15% rate for $50k+
Duke Energy PremierNotes1.05% rate for $50K+Duke Energy PremierNotes review
Ford Interest Advantage1.05% rate for $50k+Ford Interest Advantage review
Vanguard Tax-Exempt Money Market Fund0.70% 7-day yield
Vanguard Prime Money Market Fund0.60% 7-day yield
Fidelity Money Market Fund0.46% 7-day yieldreviews on Fatwallet
Fidelity Municipal Money Market Fund0.42% 7-day yield
Anonymous   |     |   Comment #1
The retirees and government workers will get COLA of 0.3% from new year, what does that tells you, the FED can no longer cover for the money spending democrats and the printing for the banks and buying worthless paper from the banks is over. We are officially broke. The real inflation is about 10% but we are told is 0.3% and the manipulated rate is listed as 2.1% on the FED's web site.
If you believe the politically correct FED, you probably believe in the democrats that never lie too. We are going to pay a huge price from the people who will bring another DEM in office.
The uninformed have no idea how our system works and they think the welfare checks will never stop coming if they vote for a DEM, they will find out in a year or two, but it will be to late for all of us.
The globalists will never allow good life without hard work, we are only 2 years from the point of no return.
DCGuy (anonymous)   |     |   Comment #13
You mean the former government workers will get the 0.3% COLA.  Active government workers are expected to get 1.6% raise next year (still not definite).
#2 - This comment has been removed for violating our comment policy.
Anonymous   |     |   Comment #3
Thanks, Ken. You do a wonderful job with your website.
Anonymous   |     |   Comment #4
It really amazes me how Democrats get blamed for spending even though they do not control Congress. Republicans have controlled Congress since 2010 and Congress must approve all spending bills. Despite Republican control of Congress, the non-partisan Congressional budget office has stated that spending has actually decreased during the Obama administration.
Anonymous   |     |   Comment #7
Under Obama the national debt more then doubled in just 8 years. The GOP tried to stop the spending every year, but Obama threaten to shut the government over 45 times in recorded speeches to Congress, he ruled with executive actions (orders) that required funding after the fact (he already spent $200 billions on the refugees last year only and the house had to cover that expense by putting it to the national debt), we have dictator in the white house and you question few weak RINOs in the GOP party.
Anonymous   |     |   Comment #9
Oh stop it. You don't know the difference between debit and deficit.
Anonymous   |     |   Comment #12
Correction: Should read..."debt and deficit".
Anonymous   |     |   Comment #15
So, you do not know that the yearly deficit is added to the national debt every year, peculiar that you mention it, because I'm CPA by profession and can assure you I do know what I'm talking about.
Anonymous   |     |   Comment #19
Debt need not indicate a weak economy. As long as a country needs to finance anything expensive, whether it’s the armed forces payroll or the interstate highway system, that country will need to issue some form of debt.  A nation’s debt is money that it borrows, i.e. obligations that need to be paid back by some date. That date is usually fixed; depending on whether the money is in the form of Treasury bills (less than a year), Treasury notes (1-10 years), Treasury bonds (beyond), or one of the many other securities the federal government issues. There is inherently nothing wrong with public, private or foreign entities purchasing treasuries. Where it gets problematic is when the United States Treasury ends up lending money to the Federal Reserve. Paying the right pocket with what’s in the left. Debt is inevitable, given that an economy can’t really function without borrowers and lenders. The United States has the 39th largest debt in the world relative to gross domestic product, at 71%.

As far as the deficit is concerned, the United States’ economy is so large, 22% of the world total, despite the U.S. accounting for only 4% of world population, that its deficit, while by far the largest on Earth in absolute terms, is firmly in the middle of the pack in relative terms. Somewhat impressively, the U.S. is exactly at the median: 108th out of 215 reporting entities.

So don't get overly excited.
Anonymous   |     |   Comment #20
#19, All of you numbers are wrong, for starters, you are diluting the national debt to the people in USA, since only 1/3 of the population work (the rest depend on the working class to support them), you should multiply by 3 everything concerning the debt and deficit. Furthermore, the USA imports 10 times more than export and the economy being 22% of the world total is wrong too. The internal economy is based on consumerism and not production, makes all of you numbers untrue.
Service economy that includes the gardeners and tree trimmers is not an economy to be proud off.
Anonymous   |     |   Comment #25
For all you people who don't seem to understand the difference between debt and deficit and Obama's overspending causing the 8 years of 0% interest rates.
The Deficit is one years spending which then gets added to the debt so Obama increased the deficit big time during his first 2 years in office when all 3 braches of government were controlled by Democrats. This is when the disaster known as Obamacare was shoved down our throats. So when you talk about Obama lowering the deficit sure he lowered it after HE raised it sky high in previous years. That is how he added 10 trillion to the debt and doubled it. The 0% interest rates were artificially kept low for longer than necessary in order to stop his debt from growing faster. The FED is 100% political and is covering for Obama. Now I know all you liberals out there won't be able to comprehend any of this as math isn't your strong suit.
Anonymous   |     |   Comment #5
Has anyone ever calculated the amount of income (interest) they have lost due to the nonsence the FED has been doing?
I did mine from 2011-2016.  It was amazing, how much we savers have lost.
Anonymous   |     |   Comment #6
Yeah $400,000 for me. That is assuming 0% and letting it sit. I really get 1-2.5%. I also shifted some cash into REIT's with monthly payouts and use cash to earn multiple bank bonuses as well to boost overall yield. Still a whole lot of work and still earning less than any year pre Obama with no work required just letting it sit in a 6% MMA. Thanks Obama for getting rid of those pesky interest rates that were making me rich.
Anonymous   |     |   Comment #10
President Obama doesn't set interest rates. No one twisted your arm to leave your funds in fixed-income products. The whining is really getting boring.
Anonymous   |     |   Comment #8
The US government collect $13 trillions in taxes every year, but spends $15 trillions every year since Obama came in the white house. This nation will burst at the seams if even 1% more is included in the interest to the national debt.
This should remind the people that the democrats want unlimited national debt and if they take the purse again, run for the hills.
Anonymous   |     |   Comment #11
The Republican controlled House of Representatives holds the purse strings. Go take a high school civics course again.
Anonymous   |     |   Comment #17
#11 is correct.  During portions of the last century the Republican Party stood firm for sound fiscal management.  Today BOTH political parties are simply trying to buy votes while our country slowly circles the drain.  Today's Republicans are worthless.  And of course the Democrats have always been worthless.  Hence, today nobody is minding the store.

As a corollary to the above, Trump vis a vis fiscal restraint is an interesting case study.  Neither party really knows what he will do.  Even Trump himself might not know what he will do because, from the outside, he cannot really gauge the damage already done by the big spending Republicans and Democrats.  Hence, BOTH political parties are fearful of Trump, on even the CHANCE he might be a responsible President and manager (and I'm not saying he is . . I don't know).

Anyway, as between just the two political parties what we are witnessing is a race to the bottom.  And anyone who singles out one party, or the other, alone, is insane.  They are in this demolition derby together! 
Anonymous   |     |   Comment #23
When a bully steals money from the purse every time he feels like it, it does not matter who holds the purse.
Anonymous   |     |   Comment #14
Actually, nobody lost any interest.  We didn't make much interest.  You can't lose what you didn't make.
Anonymous   |     |   Comment #16
#14, I used to fill a pot full of gold coins per month when the interest rates were 5-6%, now I make one gold coin per month, who took my gold coins if you say "You can't loose what you didn't make"?
Anonymous   |     |   Comment #18
With current interest rates being so low, if you "make" only one gold coin per month, there are no other gold coins for someone to take from you.  +1 -0 = 1  Grade school arithmetic!
Anonymous   |     |   Comment #22
#18, that math works only for the socialists not the capitalists. I want my gold coins back. According to you, my money are worth less now because they fetch very little, who took the values of my money?
Smokeboat (anonymous)   |     |   Comment #24
If too much is enough, more is better...I'll have another.    PS Thanks Ken, you are the real deal.
Anonymous   |     |   Comment #26
Thought I would re post this again after reading some of the Democrat denial comments. It is just amazing to me that some people on here don't see any correlation between 0% interest rates and Democrat/liberal control of government. 8 years and they are still in denial. Then they have the audacity to suggest that those of us who can see what is happening here are the ones who have the blinders on! The talk about politics is 100% applicable to these pathetically low interest rates. Obama adding 10 trillion to the debt is directly applicable to these low interest rates.
Anonymous   |     |   Comment #27
I would add to it:
The globalists: Yellen. Clinton, Merkel, Hollande, Obama, UN and many other dictators and communist nations want total control of every human being. They want to control everything, including your money and how long you will live. They will take every freedom from everyone of us and will force us to live with the savages of the world, reason, they think there are to many humans and 2/3 have to be eliminated. They want one world government with one global president and tyrannical laws applied to the humans. In other words, ( remember Obama's words, "you did not earn that, it belongs to all of us" ), which means we can take all of your money, it belongs to the stupid and unwilling to work people too.
Anonymous   |     |   Comment #28
And Reagan who taxed Soc Sec, Bush jr who gave us an unfunded war AND unfunded prescription drug benefit while trying to"take" your Soc Sec for private accounts...on and on...just don't be too selective in opinions...note everything in this post is fact based!
Anonymous   |     |   Comment #29
#28, If ss was invested in the stock market like Australia is, the SS recipients would have $10k per month benefits and more and the system would have never gone broke. Furthermore, the UN wants to destroy America too, they are one and same globalists countries destroyers and that can never be forgiven.
Anonymous   |     |   Comment #30
10K/month. What are you talking about?
Anonymous   |     |   Comment #31
After another ten years of pitifully low rates folks might begin to see the writing on the wall. You want big government programs? Well, the way to fund that is to borrow at low rates. Janet, may we have some more low rates, please? Thank you. Now, let's fund another round of investment...free tuition, free healthcare, more time off, $100/hour minimum wage, free birth control and on and on.

I'm retired without a care in the world. If I was 25 again I'd be a revolutionary. We've saddled the young with more debt than one can imagine and they are going to pay for it every single day of their lives. Now that's immoral.
Anonymous   |     |   Comment #32
Well, I am also retired and interest earned on my savings used to help support my retirement.   However,  in another ten years or so,  I will not care what happens.  The young, I don't feel sorry for.  After all, they will reap what they have sown for themselves and their children.  They are the people who cried for all the freebies rather than work and earn them
Anonymous   |     |   Comment #33
Let's talk about the debt...while a "simple" Civics 101 course should have been taken earlier in life.  

There is only debt of ANY amount b/c of appropriation bills signed in to law.  Appropriations are started in the House and approved by the Senate.  Guess who controls the House and Senate?  No more is needed exceptthatisnotObama...allu bigspenders repent!
Anonymous   |     |   Comment #34
From 2007 to 2010 Pelosi created $5 trillions of debt that was added to the national debt and than she insisted on unlimited national debt ceiling.
Conclusion , the rest of the national debt was created by Obama by blackmailing congress that he will shut the government if they oppose him on any debt in future.
decades   |     |   Comment #35
.biggest threat to the nation is the national debt ..neither party will even talk about it...they just propose more spending programs .,,.even Ivanka has a childcare program for working mothers..of course the dems solution is higher taxes ..this economy flat out sucks ..I don't see much hope for higher rates...everybody and there brother on disability ..this is not going to end well..
Anonymous   |     |   Comment #37
The salient question is what did we get for the 20 trillion already spent? Imagine owing 300K on a mortgage while you live in a carboard box under the overpass.
Anonymous   |     |   Comment #38
The financial world (unfortunately) doesn't revolve for that segment.  If it did, can you imagine having a CD with the bank that provided that $300k loan!
Anonymous   |     |   Comment #45
My point was/is what do we have to show for a debt of $20,000,000,000,000?
Anonymous   |     |   Comment #46
A big item was a ongoing war
Anonymous   |     |   Comment #49
#45, One half went to: Illegals, Legals, Refugees, welfare junkies, food stamps. paying for pork bellies, bribes, unfunded useless projects.
The other half went to pay the interest on the debt, banks bail outs, useless government projects that never finished, solindra style frauds, covert operations around the globe, foreign aid and hidden bank accounts around the globe. (ask Hillery what happened to the missing $6 billions from the state department)
Anonymous   |     |   Comment #43
nothing...... a lot of entitlements got financed.... that's it ..
Anonymous   |     |   Comment #39
The biggest threat to our nation is Clinton becoming president. 

Which is worse?  Trump's personal life or Clinton's past political deals as Secretary of State along all her handling of the Benghazi disaster and needless loss of lives, etc.? 
Anonymous   |     |   Comment #40
Opinions are nice but facts and how that relates to this CD site?  Go back to Murdock channels!  Time to focus on Congress 
Anonymous   |     |   Comment #36
Congress proved it didn't and still doesn't know how to negotiate.  If money is not appropriated the constitution requires no spending/closure.  They all know that but like the status quo...again, all this is Civics 101
Anonymous   |     |   Comment #41
you tell a politician about Civics 101, they will ask you is it going to make me money and make me bigger crook, if so, let me read it.
Anonymous   |     |   Comment #42
Then don't complain if those in need of an attitude adjustment continue to receive our votes:  Rep or Dem
Anonymous   |     |   Comment #44
Gosh a lot of political discussion here.  I really do not mind because goodness knows this is a political season, and because politics certainly influences CD investing in a huge way.

My take is that if the people opt for a continuation of Obamanomics, then you should look to Argentina's history to see where America is headed.  Ditto if Trump gets in and continues to spend like a drunken sailor (I have no clue what Trump actually would do).  On the other hand, if whoever wins opts for fiscal sanity and far higher economic growth than we've had in these last eight years, look for the country to stabilize but also for interest rates to rise back to normal.
Anonymous   |     |   Comment #47
I'm surprised that there are people who do not know what Trump stands for.
Anonymous   |     |   Comment #48
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