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About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.


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Bank Deals Blog: CD Deals

Coastal Community And Teachers Credit Union Has Top-Rate 12-Month CD
Deal Summary: 12-month CD Special, 2.27% APY, $5k minimum deposit.

Availability: Aransas, Duval, Jim Wells, Kleberg, Nueces, and San Patricio Counties, Texas.

Coastal Community and Teachers Credit Union (CCATCU) recently added a 12-month CD Special to its product line. Earning a competitive 2.27% APY, the 12-month CD Special requires a minimum $5k opening deposit.

I’ve had a run of bad luck lately determining Early Withdrawal Penalties (EWP) – either the CSRs don’t have the information or I’m given a ludicrous answer. (My favorite so far...

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Andrews Federal Credit Union's 13-Month CD Special A Near Rate Leader
Deal Summary: 13-month Share Certificate Special, 2.15% APY, $1k min/$250k max deposit, limit of one certificate per member.

Availability: Easy membership requirement.

Added to the product line in late September, Andrews Federal Credit Union’s (Andrews Federal) 13-month Share Certificate Special (SCS) is the newest of five SCS currently available. While its 2.15% APY wasn’t that competitive when the SCS was first introduced, it’s become more impressive as many other 1-year CD rates have fallen. Like all of the SCS, the 13-month SCS can be opened with a...

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Freedom Federal Credit Union's 42-Month Jumbo CD Has Top Rate
Deal Summary: 42-month Jumbo CD Special, 3.00% APY, $50k minimum deposit.

Availability: Harford County, Maryland

Freedom Federal Credit Union (Freedom FCU) is continuing to promote a series of Certificate Specials with competitive rates. As I noted yesterday, finding a CD with a 3% yield has become more difficult, but they do exist. Of the three Jumbo CD Specials being offered, the 42-month, earning 3.00% APY, has the best rate. The Jumbo CD Specials all require a minimum $50k opening deposit.

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Tinker Federal Credit Union (OK) Adds 29-Month CD Special
Deal Summary: 29-Month Share Certificate Special, 2.53% APY, $1k minimum deposit.

Availability: Residents of Payne, Pontotoc, and Seminole Counties, Oklahoma; 800+ Business Partners; Military and civilian personnel at Tinker AFB and Vance AFB.

Earlier this month, Tinker Federal Credit Union (TFCU) added a 29-Month Share Certificate Special, which earns 2.53% APY. This limited-time offer can be opened with a $1k minimum deposit, and there is no stated balance cap.

The Share Certificate Special is also available as an IRA (Traditional, Roth, CESA), earning the same APY with the...

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WEPCO Federal Credit Union (MD/WV) Has 3.03% APY 60-Month CD
Deal Summary: 60-month Share Certificate (3.03% APY), $500 minimum deposit.

Availability: Residents of Allegany and Garrett Counties (MD) and Mineral, Preston, and Tucker Counties (WV).

CDs with 3% yields are now rare, but there are a few institutions around the country that still offer them. WEPCO Federal Credit Union (WEPCO) is one of them. It's currently offering a competitive 60-month Share Certificate, which earns 3.03% APY. The minimum opening deposit is $500, with no stated balance cap.

The CD is also available as an IRA (Traditional, Roth,...

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Keesler Federal Credit Union 30-Month Step CDs Available Nationwide
Deal Summary: 30-month Step and Jumbo Step Certificates, blended APYs of 3.10% APY ($1k) and 3.20% ($100k).

Availability: Easy membership.

This blog post was prompted by a comment posted by DA reader, alan1, on this week’s CD Rates Summary.

Thank you, alan1, you are correct: Keesler Federal Credit Union (KFCU) has again expanded its field of membership (FOM) to include virtually all US citizens/resident aliens. I discuss this recent change in more detail in the "Availability" section below.

At the end of May, KFCU introduced its 30-month Step and...

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Rockland Federal Credit Union (MA) Offers Competitive 9-Month CD
Deal Summary: 9-month Share Certificate, 2.10% APY, $500 minimum deposit, $250k maximum deposit per member.

Availability: Residents of the Massachusetts Counties of Barnstable, Bristol, Middlesex, Norfolk, Plymouth, and Suffolk.

Rockland Federal Credit Union’s (RFCU) 9-month Share Certificate (2.10% APY) was a “New to Summary” CD in this week’s CD Rates Summary. The minimum opening deposit is $500, with a maximum deposit of $250k per member.

The 9-month Share Certificate was added to the product line in June 2019, earning 2.40% APY. The rate dropped dramatically to 1.50% APY...

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Oklahoma's Credit Union Unveils 25-Month CD Special
Deal Summary: 25-month CD Special, 2.57% APY, $5k minimum deposit.

Availability: Residents of eight central Oklahoma counties; nearly 300 Employee Partners.

In what hopefully will become a tradition, Oklahoma’s Credit Union (OKCU) has again started the new year with a competitive CD Special. This year’s limited-time offering is a 25-month CD Special earning 2.57% APY, requiring a $5k minimum opening deposit. Last January, OKCU added a 37-month CD Special earning a “wow-worthy” 3.66% APY, which was the highest rate available on a 3-year CD (anywhere) at the time.

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Community First Credit Union (WI) Adds 16-Month CD Special
Deal Summary: 16-month CD Special, 2.30% APY, $10k minimum.

Availability: Residents of 13 northeastern Wisconsin counties.

Last week, Community First Credit Union (Community First) unveiled a 16-month CD Special, which earns 2.30% APY. This limited-time offer requires a minimum deposit of $10k, with no stated balance cap.

The CD Special is also available as an IRA (Traditional, Roth, and CESA) earning the same APY, with the same funding requirements.

I’m not sure what the Early Withdrawal Penalty (EWP) is. In the past, CSR stated that the EWP for 15-month...

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Affinity Plus Federal Credit Union 60-Month CD Is A Rate Leader
UPDATE 1/20/2020: Rate on the 60-month CD has dropped to 2.50% APY.

Deal Summary: 60-month CD (3.00% APY), 30-month CD (2.50% APY), 18-month CD (2.25% APY), $500 minimum deposit

Availability: Easy membership requirement

As I was going through last week’s rate changes in preparation for today's CD Summary, I came across some nice CD rate increases at Affinity Plus Federal Credit Union (Affinity Plus). The 18-, 30-, and 60-month CDs were increased by a uniform 25 bps over the weekend, and now earn...

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