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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

Consumers Credit Union (IL) Ups 20-Month CD Rates
Deal Summary: 20-month CDs – Super-Jumbo CD, 1.00% APY, $250k minimum; Jumbo CD, 0.90% APY, $100k minimum; CD, 0.80% APY, $250 minimum.

Availability: Easy membership requirement

In the past six months, the 20-month CDs (Regular, Jumbo, and Super Jumbo) offered by Illinois-based Consumers Credit Union (CCU) have experience three rate changes. In early September, CCU raised the rates on all three 20-month CDs by a uniform 25 bps. Those APYs (the highest since late 2010) lasted until the beginning of December, when they dropped by...

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Langley Federal Credit Union Has New 15-Month CD Special
Deal Summary: 15-month CD Special, 1.00% APY, $1k min/$25k max deposit, new money

Availability: Easy membership requirement

For a limited time, Langley Federal Credit Union (Langley FCU) is offering a 15-month CD Special earning 1.00% APY. New money is required to fund the CD Special, with a minimum $1k opening deposit and a $25k maximum deposit. There is a limit of one CD Specials per member. (Thanks to DA reader, wuvulu21.) While this is a limited-time offer, no end-date has been specified.

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Gesa Credit Union Ups 7-Month Certificate Rate
Deal Summary: 7-month Certificate, 1.00% APY, $500 minimum deposit.

Availability: Residents of Washington State, ten Idaho counties, and twelve Oregon counties.

Washington-based Gesa Credit Union (Gesa) began the month by raising the rate on its 7-month Certificate to 1.00% APY. This short-term Certificate requires a $500 minimum opening deposit and has no stated balance cap.

The 7-month Certificate has been part of the product line for more than three years. The initial 1.17% APY was in effect for two years before it was increased to 1.47% APY in...

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El Paso TFCU Offers Top Rate On 60-Month Jumbo CD
Deal Summary: 60-Month Jumbo Share Certificate, 1.61% APY, $50k minimum; 60-month Regular Share Certificate, 1.51% APY, $5k minimum.

Availability: Residents of El Paso County, Texas; employee/students of 14 El Paso area school districts.

About nine months ago, I wrote about the 60-month Jumbo and Regular Share Certificates offered by El Paso Area Teachers Federal Credit Union (better known as TFCU). At that time, the APYs were a uniform 100 bps higher than the current rates. Those very competitive APYs lasted only about two weeks before dropping by...

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Keys Federal Credit Union (FL) Long-Term CDs Are Rate Leaders
Deal Summary: Share Certificates – 36-month (1.26% APY), 48-month (1.51% APY), and 60-month (1.76% APY), $500 minimum deposit.

Availability: Residents of the Florida Keys.

The long-term Share Certificates offered by Keys Federal Credit Union (Keys FCU) have very competitive rates: 36-month (1.26% APY), 48-month (1.51% APY), and 60-month (1.76% APY). These APYs have remained unchanged for almost a year, but have become more competitive as the majority of long-term CD rates substantially dropped. The minimum opening deposit is $500, with no stated balance cap.

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Allegiance Credit Union (OK) Has Competitive Long-Term CDs
Deal Summary: CDs – 24-month (1.09% APY), 36-month (1.15% APY), 48-month (1.25% APY), $100k minimum deposit.

Availability: Six counties in the Oklahoma City Metropolitan Statistical Area.

Allegiance Credit Union (ACU) CDs have tiered APYs based on deposit levels of $500, $10k, $50k, and $100k. The 24-, 36-, and 48-month CDs currently offer competitive rates on deposits of $100k and above. These rates have been in effect for about four months.

ACU CDs are also available as IRA CDs (Traditional, Roth, CESA), earning the same tiered APYs...

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Keesler Federal Credit Union Jumbo CDs Are Rate Leaders
Deal Summary: 5-year Jumbo CD, 1.60% APY, $100k min deposit. 3-year Bump Rate Jumbo CD, 1.25% APY, $100k min deposit, one rate increase any time during the term.

Availability: Easy membership for Alabama, Louisiana, and Mississippi residents.

As I was preparing yesterday’s Keesler Federal Credit Union (KFCU) High Interest Money Market Account Plus blog post, I realized I hadn’t written about KFCU’s Jumbo CDs ($100k minimum) in quite some time. While the Jumbo CDs with terms between 1- and 5-year offer competitive rates that have held...

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Keesler Federal Credit Union MMA Promo Still Offering Rate Guarantee
Deal Summary: High Interest Money Market Account Plus (HIMMA Plus), up to 1.45% APY, $2.5k minimum opening deposit, new money, 6-month rate guarantee.

Availability: Easy membership for Alabama, Louisiana, and Mississippi residents.

I wrote about Mississippi-based Keesler Federal Credit Union’s (KFCU) High Interest Money Market Account Plus (HIMMA Plus) in August. The HIMMA Plus tiered APYs (1.35% APY, $2.5k+; 1.40% APY, $50k+; 1.45%, $100k+) have a 1% bonus rate above the regular HIMMA APYs. That 1% bonus rate is guaranteed for six months. A minimum $2.5k opening deposit of...

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Streator Onized Credit Union (IL) Adds Limited-Time 14-Mo CD Special
Deal Summary: – 14-month CD Special (0.80% APY), $500 min deposit; 18- and 24-month Step-Up CD Specials, 0.70% APY, one rate increase during term, $500 min deposit.

Availability: Residents of 16 north-central Illinois counties.

Streator Onized Credit Union (SOCU) recently added a 14-month CD Special (0.80% APY) and two Step-Up CD Specials (18- and 24-month), both earning 0.70% APY. These limited-time Specials all require a $500 minimum opening deposit, with no stated balance cap. The Step-Up CD Specials offer one rate increase (at the member’s discretion) any time...

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USALLIANCE Financial Adds Three Competitive Certificate Specials
Deal Summary: Certificate Specials – 12-month (0.85% APY), 18-month (0.95% APY), 24-month (1.00% APY), $500 minimum deposit.

Availability: Easy membership requirement.

New York-based USALLIANCE Financial (USALLIANCE) has added a trio of limited-time Certificate Specials to its product line. All three Certificate Specials offer very competitive rates: 12-month (0.85% APY), 18-month (0.95% APY), and 24-month (1.00% APY). There are also two less competitive, shorter-term Certificate Specials: 9-month (0.50% APY) and 11-month no-penalty (0.55% APY). Like all USALLIANCE Certificates, the Certificate Specials require a $500 minimum opening deposit,...

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