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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

Harborstone Credit Union (WA) 15-Month CD Special Earns 2.53% APY
Deal Summary: 15-month CD Special, 2.53% APY, $5k minimum deposit, new money.

Availability: Residents of Washington State; limited nationwide membership with military relationship or family relationship.

Last month, Harborstone Credit Union (Harborstone) added a 15-month CD Special, earning 2.53% APY. The minimum opening deposit is $5k of new money, which is simply defined as “money not currently on deposit with Harborstone.”

As stated in the Consumer Rate and Fee Schedule the Early Withdrawal Penalty reads as follows:

Amount of penalty is 90 days of dividends for any...

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GiftsforBanking 5-Year CD Earns 2.75% APY And You Get A Gift
Deal Summary: 3-year CD Gifts (2.50% APY) and 5-year CD Gifts (2.75% APY), gifts for $25k+, $50k+, and $100k+ deposits.

Availability: Nationwide (internet bank)

GiftsforBanking.com’s (GfB) 3- and 5-year CD Gifts are another two NTS (New To Summary) CDs that were added to this week’s CD Rates Summary. The 3-year’s 2.50% APY has been in effect since late March, while the 5-year has been offering a 2.75% APY for nearly a year. The minimum opening deposit is $25k, with no stated balance cap.

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Capital One 18-Month CD Earns 1.90% APY
UPDATE 9/13/2019: Rate lowered to 1.90% APY.

Deal Summary: 18-month 360 CD, 2.55% 1.90% APY, no minimum deposit, but capped at $1 million.

Availability: Nationwide

Capital One’s 18-month 360 CD is another NTS (New to Summary) addition to this week’s CD Rates Summary. Currently earning 2.55% 1.90 APY, the 18-month 360 CD is listed in the Summary’s top four nationally available 18-month CDs.

Capital One 360 CDs have no minimum opening deposit requirement, “however, your Certificate of Deposit account may not exceed $1,000,000.”...

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Western Vista Federal Credit Union Offers 29-Month CD, 3.00% APY
Deal Summary: 29-month CD Special, 3.00% APY, $500 minimum deposit.

Availability: Residents of the cities of Casper and Cheyenne, and Natrona County, Wyoming; possible easy membership requirement.

Last week, Western Vista Federal Credit Union (Western Vista) unveiled three CD Specials: 29-month (3.00% APY), 17-month (2.50% APY), and 11-month (1.80% APY). Of the three, the 29-month is the most competitive. The minimum opening deposit is $500, with no stated balance cap.

According to CSR, only an early closure of a CD is allowed, with an Early Withdrawal...

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Merrick Bank Offers Nationally Available 18-Month CD, 2.56% APY
Availability: 18-month CD, 2.56% APY, $25k minimum/$250k maximum deposit

Availability: Nationwide (internet bank)

You may have noticed a new abbreviation in yesterday’s CD Rates Summary: NTS (New to Summary). A CD marked with NTS has become competitive not through a rate increase, but by maintaining an APY during the recent reshuffling of rates. Merrick Bank’s 18-month CD (2.56% APY) is one such CD. Added to the product line about a month ago, the 18-month CD’s rate has held steady and is currently the highest APY...

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BCS Community Credit Union 15-Month CD Special Earns 2.65% APY
Deal Summary: 15-month Special CD, 2.65% APY, $500 minimum deposit.

Availability: Easy membership requirement for Colorado residents.

BCS Community Credit Union (BCSCU) 15-month Special CD currently earns 2.65% APY. While the rate has been in effect for about ten months, CSR stated there was no indication that the rate would be lowered anytime soon. The minimum opening deposit is $500, with no stated balance cap.

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

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USALLIANCE Financial Ups CDs, 9-month 2.50% APY, 15-month 2.70% APY
Deal Summary: Certificate Specials – 9-month (2.50% APY) and 15-month (2.70% APY), $500 minimum deposit, checking or savings relationship.

Availability: Easy membership requirement.

At the end of last week, USALLIANCE Financial (USALLIANCE) raised the rates on two of its Certificate Specials: 9-month (2.50% APY) and 15-month (2.70% APY). The APYs were dramatically increased, with the 9-month adding 225 bps and the 15-month gaining 119 bps. The minimum opening deposit for either is $500, with no stated balance cap.

The last time USALLIANCE had a competitive CD...

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Leominster Credit Union (MA) 9-Month CD Special Earns 2.40% APY
Deal Summary: 9-month Term Share CD Special, 2.40% APY, $1k minimum deposit, offer ends September 30, 2019.

Availability: Residents of Franklin, Hampden, Hampshire, Middlesex, Norfolk, and Worcester Counties, Massachusetts.

Now through September 30, 2019, Leominster Credit Union (LCU) is offering a 9-month Term Share CD Special earning 2.40% APY. At the beginning of the month, LCU raised the rate on the 9-month CD Special, while lowering the rates on the 36-, 48-, and 60-month Term Share CDs. This has resulted in a rather unusual rate structure, with all...

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Aventa Credit Union (CO) Offers 18-Month Add-On CD (3.04% APY)
Deal Summary: 18-month Ascent CD Special, 3.04% APY, $500 minimum deposit of new money, unlimited additional deposits.

Availability: Residents of nine south central Colorado counties.

The latest addition to the Aventa Credit Union (Aventa CU) product line is the 18-month Ascent CD Special (3.04% APY). This limited-time offer requires a minimum opening deposit of $500 of new money. Unlimited additional deposits are allowed throughout the term.

While the Ascent CD Special APY and add-on features are really good, I can’t say the same for Aventa CU’s...

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Guardian Credit Union (AL) Offers Top 60-Month CD, 3.30% APY
Deal Summary: 60-month CD, 3.30% APY, $500 minimum; 11-month No Penalty CD, 2.02% APY, $10k minimum, early closure only.

Availability: Residents of 13 central Alabama counties; active/retired Alabama Army or Air National Guard personnel.

Guardian Credit Union’s (Guardian) 60-month CD has been earning 3.30% APY for about 11 months. (CSR stated that no upcoming rate decreased had been announced, but as we all know, a good rate is only in effect until it isn’t.) The minimum opening deposit is $500, with no stated balance cap.

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