CD Rates Summary December 4, 2018

POSTED ON TUESDAY, DECEMBER 4, 2018 BY Ken Tumin

This is my first weekly summary with the Fed review split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. This change was done to separate the economic and political discussion from the deal discussion. Often economic discussion leads to political discussion, and that can create lots of comments which drown out comments on deals and rates. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post. Please use the comments of this blog post to discuss CD rates and deals.

December started off a little disappointing without any hot PenFed CD deals. PenFed did raise their CD rates, and many terms are competitive. However, none of the CDs are rate leaders. The highest rate is 3.50% APY on the 5-year and 7-year terms. PenFed’s short-term CD rates are also competitive with a 1-year CD earning 2.80% APY.

Advancial Credit Union also issued new rates for December. Its short-term CD rates went up slightly, but its long-term rates went down. Its short-term Jumbo CDs continue to be very competitive. The 1-year Jumbo CD (3.04% APY) is now the top 1-year CD rate that’s nationally available.

Andrews Federal Credit Union came out with a Black Friday CD special that is still available. It’s an 8-month CD with a 2.86% APY. It’s just a slightly better special than the 6-month Jumbo CD rate (2.85% APY) at Advancial. Andrews FCU continues to offer its 9-month CD special (2.75% APY) which it has been offering since July.

For long-term CDs, the only new noteworthy deal is the 40-month IRA CD special at Navy Federal Credit Union. This has a 3.75% APY, and it allows unlimited additional deposits for a maximum balance of $150k. Unfortunately, it’s not available as a regular CD (only an IRA CD).

We no longer have any nationally available 4% CDs. The last nationally available 4% CD was at Connexus Credit Union. That was a 5-year CD with a 4.00% APY. That deal ended on Black Friday. The rate is now 3.50% APY.

For local deals, we still have three institutions offering 4% CD. This is down from four two weeks ago. All three are 5-year CDs. They include Founders FCU in South Carolina (4.06% APY), Bank of Utica in New York State (4.00% APY) and The Fahey Banking Company in Ohio (4.00% APY).

The highest nationally available 5-year CD rate is now 3.75% APY, and it’s available at Greenwood Credit Union which has easy membership requirements. The highest 5-year direct CD rate from a bank is 3.51% APY. This is available at KS StateBank and at State Bank of India of Chicago.

Long-term Brokered CD rates went down some from two weeks ago, but they are still very competitive when compared to the direct CDs. For 5-year terms, both Fidelity and Vanguard had new-issue, non-callable CDs with rates as high as 3.55%.

Just like the Treasury yield curve flattening, we’re seeing this with brokered CD rates. Short-term brokered CD rates went up from two weeks ago while the long-term rates went down.

Savings & Checking Account Rates

I have just one quick note about the top savings account rate. MySavingsDirect has just regained the top spot for nationally available savings accounts. The savings account rate increased 5 bps to 2.40% APY.

My next update on all of the top savings and money market accounts will be next week. Here's the link to last week's savings/checking account summary. You can always get the latest rates for savings/checking accounts and CDs by using our rate tables, available via the navigational menu on top.

Yields Accurate as of December 4, 2018

Under 1-Year CD Rates

Institution	Rates	Notes
Andrews Federal Credit Union	2.86% ($1k) 8-month Certificate Special	EMR See review
Advancial	2.85% ($50k) 6-month Jumbo Certificate	EMR See review
Andrews Federal Credit Union	2.75% ($250k max) 9-month Certificate Special	EMR See review
Advancial	2.71% ($50k) 3-month Jumbo Certificate	EMR See review
The Vanguard Group Brokered CD	2.60% (APR) 9-month non-callable CD	Issued by BoC, CENB, MBPA*
Fidelity Brokered CD	2.60% (APR) 9-month non-callable CD	Issued by BoC, CENB*
Service Credit Union	2.50% ($1k) 9-month Certificate	Military relationship See review
Fidelity Brokered CD	2.50 (APR) 6-month non-callable CD	Issued by BCNA, CBNA, SBoI, SMB*
The Vanguard Group Brokered CD	2.50% (APR) 6-month non-callable CD	Issued by BCNA, BoC, CBNA*
CD Bank	2.45% ($10k) 9-month CD	Internet bank See review
The Vanguard Group Brokered CD	2.40% (APR) 3-month non-callable CD	Issued by BoC*
Fidelity Brokered CD	2.40% (APR) 3-month non-callable CD	Issued by BCNA, BoC, SBoI, SMB*
DollarSavingsDirect	2.35% ($1k) 6-month CD	Internet bank See review
EmigrantDirect	2.35% ($1k) 6-month CD	Internet bank See review
MySavingsDirect	2.35% ($1k) 6-month CD	Internet bank See review
Communitywide FCU	2.30% ($2k) 6-month Share Certificate	Easy membership Account review
Live Oak Bank	2.30% ($2.5k) 6-month CD	Internet bank Account review
United Bank	2.30% Advantage Money Market, 180-day rate guarantee	25 states See review
CD Bank	2.25% ($10k) 6-month CD	Internet bank See review
Ally Bank	2.25% ($25k), 2.10% ($5k) No-Penalty 11-month CD	Internet bank See review
Customers Bank	2.25% ($25k)	Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
Marcus by Goldman Sachs	2.15% ($500) 13-month No-Penalty CD	Internet bank See review
Chartway Federal Credit Union	2.00% ($100) 12-month CD No Penalty	Easy membership See review

Noteworthy Local Deals - Under 1-Year CDs

UniBank for Savings	2.75% ($2.5k) 8-month CD Special	Massachusetts
Family First Federal Credit Union	2.70% ($500) 7-month CD Special	Rochester, NY area See review
Westbury Bank	2.60% ($500) 9-month CD	Eastern Wisconsin See review
Evergreen Bank Group	2.55% ($10k) 9-month CD Special	Chicago metropolitan area See review
Advantage Federal Credit Union	2.50% ($500) 5-month Share Certificate Special	Rochester, NY area See review
Waterstone Bank	2.50% ($5k) 9-month CD Special	Wisconsin See review
Members Choice Credit Union	2.45% ($50k) 9-month Jumbo CD	Houston area See review
Arapahoe Credit Union	2.40% ($100) 6-11 month CD	EMR for Colorado residents See review
Bankers Trust Company	2.35% (base rate) 7-month Promotional CD	Iowa and Arizona See review
Members Choice Credit Union	2.35% 9-month CD	Houston area See review
Ocean Bank	2.35% ($2.5k) 9-month CD	2 South Florida counties See review
Evergreen Bank Group	2.25% ($10k) 7-month CD Special	Chicago metropolitan area See review
Bogota Savings Bank	2.20% ($1k) 8-month CD	Northern New Jersey See review

1-Year CD Rates

Advancial	3.04% ($50k) 1-year Jumbo Certificate	EMR See review
MutualOne Bank	2.89% ($500) 13-month Online CD	See review
State Bank of India (IL)	2.89% ($2.5k) 1-year Senior Citizen CD
State Bank of India	2.88% ($25k) 12-month Senior Citizen CD	See review
Virtual Bank	2.86% ($10k) 12-month eCD	See review
Popular Direct	2.85% ($10k) 1-year Popular Direct CD	Internet bank
PenFed Credit Union	2.80% ($1k) 12-month Money Market Certificate	Easy membership Account review
Limelight Bank	2.80% ($1k) 12-month CD	Internet bank See review
Live Oak Bank	2.80% ($2.5k) 1-year CD	Internet bank Account review
Connexus Credit Union	2.80% ($5k) 12-month Share Certificate	EMR See review
Fidelity Brokered CD	2.80% (APR) 1-year non-callable CD	Issued by PKWBT, SToI*
State Bank of India (IL)	2.78% ($2.5k) 1-year Senior Citizen CD
Ally Bank	2.75% (no minimum) 14-month Select CD	Internet bank See review
KS StateBank	2.75% ($500) 1-year CD	See review
Fort Knox Federal Credit Union	2.75% ($500) 14-month CD Special	Easy membership
KS StateBank	2.75% ($100k) 1-year Jumbo CD Internet Only Special	See review
The Vanguard Group Brokered CD	2.75% (APR) 1-year non-callable CD	Issued by BoC, NBMA, TXCB*
NASB	2.74% ($1k) 12-month Online CD Special	See review
First Internet Bank	2.73% ($1k) 12-month CD	Internet bank See review
TIAA Bank	2.73% ($5k) 1-year Yield Pledge CD	Internet bank See review
CD Bank	2.72% ($10k) 12-month CD	Internet bank See review
Vio Bank	2.71% ($500) 12-month High Yield Online CD	Internet bank See review
SallieMae Bank	2.70% ($2.5k) 12-month CD	Account review
M.Y. Safra Bank	2.70% ($5k) 12-month Online Promo CD	See review
Alliant Credit Union	2.70% ($25k) 12-17 month Jumbo Share Certificate	Internet bank See review
BankPurely	2.65% ($1k) 12-month PurelyCD	Internet bank See review
iGObanking	2.65% ($1k) 12-month iGOCD	See review
GTE Financial	2.53% ($100k), 2.27% ($500) 12-month Add-On Promo CD	Easy membership See review

Noteworthy Local Deals - 1-Year CDs

Home Loan Investment Bank	3.15% ($100k) 14-month in-branch CD	Connecticut, Massachusetts, Rhode Island See review
Texas Exchange Bank	3.01% ($10k) 12-month New Money CD	Texas See review
Liberty Bank	3.00% ($500) 12-month CD Special	Connecticut See review
Associated Credit Union of Texas	3.00% ($500) 13-month New Money CD	9 Texas counties See review
General Electric Credit Union	2.90% ($100k) 1-year Jumbo Certificate Special	16 Ohio, 5 Kentucky, and 5 Indiana counties See review
Pelican State Credit Union	2.90% ($500) 12-month CD	Easy membership for AR, LA, MS, and TX See review
United Federal Credit Union	2.90% ($500) 14-month Certificate Special	EMR for AR, IN, MI, NV, NC, OH, OK See review
Community Credit Union	2.85% ($25k), 2.65% ($1k) 13-month CD Special	6 central Florida counties See review
First Florida Credit Union	2.89% ($50k) 13-month CD Special	29 Florida counties See review
Community Credit Union	2.85% ($25k), 2.65% ($1k) 13-month CD Special	6 central Florida counties See review
First United	2.85% ($50k) 14-month Performance CD	13 Oklahoma and 16 Texas counties See review
Centris Credit Union	2.84% ($90k) 14-month Jumbo CD	3 Nebraska and 1 Iowa counties See review
Navy Army Community Credit Union	2.83% ($1k) 13-month CD Special	8 South Texas counties See review
Aurora Schools Federal Credit Union	2.75% ($5k) 12-month Certificate Special	Easy membership for Colorado residents See review
Genisys Credit Union	2.75% ($500) 13-month Share Certificate Special	Michigan, and 1 Pennsylvania and 6 Minnesota counties See review
North Shore Bank	2.75% ($5k) 13-month CD Promo	Eastern Wisconsin See review
Affiliated Bank	2.75% ($10k) 13-month CD Special	Dallas, Tarrant, and Travis Counties, Texas See review
3Rivers Federal Credit Union	2.75% ($20k) 13-month CD Special	7 northeast Indiana counties See review
American Eagle Bank of Chicago	2.75% ($1k) 14-month New Money Step Up CD	Cook and Kane Counties, Illinois See review

18-month CD Rates

United Bank	3.15% ($500) 19-month Flex Up CD	25 states See review
Advancial	3.14% ($50k) 18-month Jumbo Certificate	EMR See review
Veridian Credit Union	3.05% ($100k) 18-month Bump-Up Jumbo CD	Easy membership Account review
MutualOne Bank	3.04% ($1k) 19-month CD	See review
Kinecta Credit Union	3.00% ($1k) 18-month Promo Share Certificate	EMR See review
McGraw-Hill Federal Credit Union	3.00% ($1k) 19-month CD Promo	EMR See review
Live Oak Bank	2.90% ($2.5k) 18-month CD	Account review
Union Bank	2.90% ($10k) 18-23 month CD	See review
State Bank of India (IL)	2.89% ($2.5k) 15-month CD Special
Veridian Credit Union	2.85% ($1k) 18-month Bump-Up CD	Easy membership Account review
Limelight Bank	2.85% ($1k) 18-month CD	Internet bank See review
Popular Direct	2.85% ($10k) 18-month Popular Direct CD	Internet bank
KS StateBank	2.85% ($100k) 18-month Jumbo CD Internet Only Special	See review
Consumers Credit Union	2.85% ($100k) 15-month Jumbo CD Special	Easy membership Account review
Fidelity Brokered CD	2.85% (APR) 18-month non-callable CD	Issued by BoA, BoLX, CITB, DIS, WFB*
The Vanguard Group Brokered CD	2.85% (APR) 18-month non-callable CD	Issued by BoA, CITB, DIS, WFB*
First Internet Bank	2.84% ($1k) 18-month CD	Internet bank See review
Vio Bank	2.80% ($500) 18-month High Yield Online CD	Internet bank See review
Pacific National Bank	2.80% ($1k) 18-month Online Promo CD	Internet bank See review
Latino Credit Union	2.80% ($200k) 18-month Jumbo CD	Easy membership See review
GTE Financial	2.78% ($100k) 2.53% ($500) 18-month Add-On Promo CD	Easy membership See review
Consumers Credit Union	2.75% ($250) 15-month CD Special	Easy membership Account review
Service Credit Union	2.75% ($1k) 15-month CD Special	Military relationship See review
NASA Federal Credit Union	2.75% ($5k) 15-months Share Certificate	Easy membership See review
CommunityWide Federal Credit Union	2.75% ($2k) 18-month Share Certificate	Easy membership Account review
CD Bank	2.75% ($10k) 18-month CD	Internet bank See review
Ally Bank	2.26% (3.10% High Yield 5-Year CD closed after 18 months)	See review

Noteworthy Local Deals - 18-Month CDs

American Eagle Financial Credit Union	3.15% ($1k) 15-month Certificate	4 Connecticut counties See review
Rhode Island Credit Union	3.05% ($500) 18-month CD	Rhode Island
Amplify Credit Union	3.03% ($500) 18-month CD	Easy membership for Texas residents Account review
Provident Credit Union	3.01% ($10k) 18-month Term Share Certificate	10 northern California counties, plus City of Los Angeles Account review
Pawtucket Credit Union	3.00% ($1k) 15-month CD	Rhode Island, Massachusetts, Connecticut See review
FORUM Credit Union	3.00% ($500) 18-month CD	8 Indiana counties (Indianapolis)
IBM Southeast Employees Federal Credit Union	3.00% ($1k) 18-month Promotional Certificate	8 Florida and 12 Georgia counties Account review
Consumers Credit Union	3.00% ($1k) 19-month Grand Opening CD	Michigan's Lower Peninsula Account review
Homeland Credit Union	3.00% ($75k) 18-month Jumbo CD	9 Ohio counties See review
Community First Credit Union	2.90% ($10k) 19-month CD Special	13 northeastern Wisconsin counties See review
University of Iowa Community Credit Union	2.90%($100k), 2.80% ($10k), 2.70% ($1k) 15-month CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Homeland Credit Union	2.85% ($500) 18-month CD	9 Ohio counties See review
Cross River Bank	2.79% ($500) 18-month CD	New Jersey See review
NEFCU	2.75%($1k) 18-month Penalty Free Certificate	Nassau and Suffolk Counties, New York See review

2-Year CD Rates

Academy Bank	3.19% ($500) 24-month Bonus Rate CD Special	See review
Community Financial Services Bank	3.19% ($1k) 29-month CD Special	See review
Advancial	3.19% ($50k) 2-year Jumbo Certificate	EMR See review
ConnectOne Bank	3.15% ($500) 23-month Online CD	See review
Latino Credit Union	3.15% ($200k) 24-month Jumbo CD	Easy membership See review
State Bank of India (IL)	3.14% ($2.5k) 1-year Senior Citizen CD
State Bank of India	3.14% ($25k) 2-year Senior Citizen CD	See review
KS StateBank	3.10% ($500) 2-year CD	See review
KS StateBank	3.10% ($100k) 2-year Jumbo CD Internet Only Special	See review
Fidelity Brokered CD	3.10% (APR) 2-year non-callable CD	Issued by WFB*
The Vanguard Group Brokered CD	3.10% (APR) 2-year non-callable CD	Issued by WFB*
Virtual Bank	3.06% ($10k) 24-month eCD	See review
Popular Direct	3.05% ($10k) 2-year Popular Direct CD	Internet bank See review
Langley Federal Credit Union	3.04% ($50k) 29-month Jumbo Promotional Certificate	Easy membership See review
Georgia Banking Company	3.00% ($500) 2-year Certificate	See review
Greenwood Credit Union	3.00% ($1k) 24-month CD	EMR See review
Live Oak Bank	3.00% ($2.5k) 2-year CD	Internet bank Account review
Connexus Credit Union	3.00% ($5k) 24-month Share Certificate	EMR See review
Navy Federal Credit Union	3.00% ($10k) 24-month CD Special	Military relationship See review
CD Bank	3.00% ($10k) 24-month CD	Internet bank See review
NASB	2.94% ($1k) 24-month Online CD Special	See review
First Internet Bank	2.94% ($1k) 24-month CD	Internet bank See review
GTE Financial	2.94% ($100k) 2.68% ($500) 24-month Add-On Promo CD	Easy membership See review
M.Y. Safra Bank	2.91% ($5k) 24-month Online Promo CD	See review
CommunityWide Federal Credit Union	2.90% ($2k) 24-month Share Certificate	Easy membership Account review
SallieMae Bank	2.90% ($2.5k) 24-month CD	Account review
Ally Bank	2.47% (3.10% High Yield 5-Year CD closed after 2 years)	See review

Noteworthy Local Deals - 2-Year CDs

Sun East Federal Credit Union	3.50% ($500) 27-month CD Special	Portions of PA, DE, MD, NJ, and NY See review
Ocean State Credit Union	3.30% ($1k) 2-year CD Special	Easy membership, but requires in-branch visit See review
American Eagle Financial Credit Union	3.25% ($1k) 24-month Certificate	4 Connecticut counties See review
Mutual Security Credit Union	3.25% ($2.5k) 22-month CD Special	3 Connecticut counties See review
Pelican State Credit Union	3.20% ($500) 24-month CD	Easy membership for AR, LA, MS, and TX See review
First United	3.20% ($50k) 21-month Performance CD	13 Oklahoma and 16 Texas counties See review
Union Bank & Trust	3.15% ($25k), 3.04% ($1k) 27-month CD Special	CO, IA, KS, MO, NE, and SD See review
Evergreen Bank Group	3.05% ($10k) 29-month CD Special	Chicago metropolitan area See review
First Advantage Bank	3.03% ($10k) 24-month CD Special	Tennessee and Kentucky See review
Navigant Credit Union	3.00% ($500) 23-month CD	Rhode Island, Connecticut, Massachusetts Account review
Franklin Mint Federal Credit Union	3.00% ($500) 24-month CD Special	3 SE Pennsylvania and 1 Delaware counties See review
F&M Bank	3.00% ($1k) 24-month My Choice CD	7 middle Tennessee counties See review
First Eagle Bank	3.00% ($2.5k) 24-month CD Special	Connecticut See review
National Bank of New York City	3.00% ($2.5k) 24-29 month CD	NYC, Long Island, Westchester See review
Midwest BankCentre	3.00% ($5k) 24-month CD Special	Greater St. Louis metro area See review
The First State Bank	3.00% ($5k) 2-year CD	5 central Oklahoma counties See review
General Electric Credit Union	3.00% ($100k) 2-year Jumbo Certificate Special	16 Ohio, 5 Kentucky, and 5 Indiana counties See review
St. Jean's Credit Union	3.00% ($500) 25-month CD Special	3 Massachusetts counties See review
Pawtucket Credit Union	3.00% ($1k) 25-month CD Special	Rhode Island and portions of Massachussets and Connecticut Account review
Blue Hills Bank	3.00% ($500) 29-month Flexible CD	Eastern Massachusetts Account review

3-Year CD Rates

Navy Federal Credit Union	3.75% ($50) 40-month IRA Certificate Special	Military relationship See review
Veridian Credit Union	3.45% ($100k) 41-month Bump Up Jumbo CD Special	Easy membership See review
Mountain America Credit Union	3.35% ($500) 3-year Term Deposit	Easy membership See review
ableBanking	3.30% ($1k) 3-year CD	Internet bank See review
Popular Direct	3.30% ($10k) 3-year Popular Direct CD	Internet bank See review
M.Y. Safra Bank	3.26% ($5k) 36-month Online Promo CD	See review
KS StateBank	3.25% ($500) 3-year CD	See review
State Bank of India (IL)	3.25% ($2.5k) 3-year CD
Latino Credit Union	3.25% ($200k) 36-month Jumbo CD	Easy membership See review
Veridian Credit Union	3.25% ($1k) 41-month Bump Up CD Special	Easy membershipSee review
KS StateBank	3.25% ($100k) 3-year Jumbo CD Internet Only Special	See review
Fidelity Brokered CD	3.25% (APR) 3-year non-callable CD	Issued by DIS, GSB, WFB*
The Vanguard Group Brokered CD	3.25% (APR) 3-year non-callable CD	Issued by ALLY, DIS, GSB, WFB*
Advancial	3.24% ($50k) 3-year Jumbo Certificate	EMR See review
Connexus Credit Union	3.20% ($5k) 36-month Share Certificate	EMR See review
Greenwood Credit Union	3.15% ($1k) 30-month CD	National online application now available Account review
First Financial Northwest Bank	3.10% ($100k) 2.85% ($25k) 36-month CD	See review
Live Oak Bank	3.05% ($2.5k) 3-year CD	Internet bank Account review
Citizens Access	3.05% ($5k) 36-month CD	Internet bank Account review
First Internet Bank	3.04% ($1k) 36-month CD	Internet bank See review
GTE Financial	3.04% ($100k) 2.78% ($500) 30-month Add-On Promo CD	Easy membership See review
Virtual Bank	3.01% ($10k) 36-month eCD	See review
Ally Bank	2.69% (3.10% High Yield 5-Year CD closed after 3 years)	See review

Noteworthy Local Deals - 3-Year CDs

Credit Union One of Oklahoma	3.56% ($2.5k-$100k) 35-month Promotional Share Certificate	6 Oklahoma counties See review
Northeast Credit Union	3.50 ($1k) 35-month Share Certificate	New Hampshire and south York County, Maine See review
Pelican State Credit Union	3.50% ($500) 36-month CD	Easy membership for AR, LA, MS, and TX See review
Solvay Bank	3.50% ($500) 36-month CD Special w/checking	6 central New York counties See review
Centris Credit Union	3.41% ($90k) 40-month Jumbo CD	3 Nebraska and 1 Iowa counties See review
University of Iowa Community Credit Union	3.40%($100k), 3.40% ($10k), 3.20% ($1k) 35-month Bump Option CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
1st MidAmerica Credit Union	3.39% ($1k) 35-month CD	21 southern Illinois and 1 Missouri counties
Franklin Mint Federal Credit Union	3.36% ($500) 36-month CD	Easy membership for Pennsylvania and Delaware See review
Cobalt Credit Union	3.35% ($1k) 30-month Certificate Special	5 Nebraska and 9 Iowa counties See review
Four Points Federal Credit Union	3.35% ($10k) 30-month Certificate Promotion	Easy membership for AR, IN, MI, NV, NC, OH, and OK See review
First United	3.35% ($50k) 30-month Performance CD	13 Oklahoma and 16 Texas counties See review
Tinker Federal Credit Union	3.35% ($1k) 33-month Special Term Certificate	3 Oklahoma counties See review
Navy Army Community Credit Union	3.33% ($1k) 30-month CD	8 South Texas counties See review
General Electric Credit Union	3.33% ($500) 33-month Share Certificate	16 Ohio, 5 Kentucky, and 5 Indiana counties See review
National Bank of New York City	3.30% ($2.5k) 36-41 month CD	NYC, Long Island, Westchester See review
Cross River Bank	3.25% ($500) 36-month CD	New Jersey See review
TruMark Financial Credit Union	3.20% ($75k) 36-month Jumbo CD	5 SE Pennsylvania counties See review

4-Year CD Rates

State Bank of India	3.44% ($25k) 4-year Senior Citizen CD	See review
KS StateBank	3.40% ($500) 4-year CD	See review
ableBanking	3.40% ($1k) 4-year CD	Internet bank See review
KS StateBank	3.40% ($100k) 4-year Jumbo CD Internet Only Special	See review
Fidelity Brokered CD	3.40% (APR) 4-year non-callable CD	Issued by GSB, WFB*
The Vanguard Group Brokered CD	3.40 (APR) 4-year non-callable CD	Issued by GSB, WFB*
Community Financial Services Bank	3.39% ($1k) 49-month CD Special	See review
Georgia Banking Company	3.35% ($500) 4-year Certificate	See review
Popular Direct	3.35% ($10k) 4-year Popular Direct CD	Internet bank See review
Consumers Credit Union	3.35% ($100k) 45-month Jumbo CD Special	Easy membership Account review
Advancial	3.30% ($50k) 4-year Jumbo Certificate	EMR See review
Latino Credit Union	3.30% ($200k) 48-month Jumbo CD	Easy membership See review
Consumers Credit Union	3.25% ($250) 45-month CD Special	Easy membership Account review
First Financial Northwest Bank	3.25% ($100k) 3.00% ($25k) 48-month CD	See review
Connexus Credit Union	3.20% ($5k) 42-month Share Certificate	EMR See review
Third Federal Savings & Loan	3.15% ($500) 45-month CD Special	See review
Main Street Bank (MI)	3.15% ($500) 48-month CD	See review
First Internet Bank	3.14% ($1k) 48-month CD	Internet bank See review
Ally Bank	2.80% (3.10% High Yield 5-Year CD closed after 4 years)	See review

Noteworthy Local Deals - 4-Year CDs

Northeast Credit Union	3.82% ($500) 48-month Share Certificate	New Hampshire and south York County, Maine See review
Pelican State Credit Union	3.61% ($500) 48-month CD	Easy membership for AR, LA, MS, and TX See review
Cross River Bank	3.56% ($500) 48-month CD	New Jersey See review
Tech Credit Union	3.557% ($100k) 50-month Jumbo Compound CD	4 NW Indiana and 2 NE Illinois counties See review
Bank of Utica	3.50% ($500) 4-year to 5-year CD	3 upstate New York counties See review
The Fahey Banking Company	3.50% ($500) 48-month CD w/qualifying Kasasa checking	Ohio See review
Tech Credit Union	3.428% 50-month Premium Compound CD	4 NW Indiana and 2 NE Illinois counties See review
United Federal Credit Union	3.40% ($500) 48-month Certificate Special	EMR for AR, IN, MI, NV, NC, OH, OK See review
National Bank of New York City	3.40% ($2.5k) 48-53 month CD	NYC, Long Island, Westchester See review
National Bank of New York City	3.35% ($2.5k) 42-47 month CD	NYC, Long Island, Westchester See review
Campus Federal	3.30% ($1k) 48-month CD	Easy membership for Louisiana residents
Lewis Clark Union	3.26% 48-month Share Certificate	4 Idaho and 3 Washington counties See review
P1FCU	3.25% ($500) 48-month Share Certificate	12 Idaho and 2 Washington counties See review
Rocky Mountain Credit Union	3.25% ($1k) 48-month Share Certificate	8 southwest Montana counties See review
First Service Credit Union	3.25% ($50k), 3.15% ($1k) 48-month Certificate	Fort Bank, Harris, and Waller Counties, Texas See review
TruMark Financial Credit Union	3.25% ($75k) 48-month Jumbo CD	5 SE Pennsylvania counties See review
Meridian Bank	3.05% ($500) 48-month CD	Southeastern Pennsylvania See review

5-Year CD Rates

United States Senate Federal Credit Union	3.63% ($60k), 3.57% ($20k), 3.51% ($1k) 60-month CD	Easy membership
Fidelity Brokered CD	3.55% (APR) 5-year non-callable CD	Issued by GSB, WFB*
The Vanguard Group Brokered CD	3.55% (APR) 5-year non-callable CD	Issued by GSB, WFB*
Mountain America Credit Union	3.51% ($500) 5-year Term Deposit	Easy membership See review
KS StateBank	3.51% ($500) 5-year CD	See review
State Bank of India (IL)	3.51% ($2.5k) 5-year CD
Mountain America Credit Union	3.51% ($100k max) 5-year Term Deposit Plus (unlimited additional deposit)	Easy membership See review
Michigan State University Federal Credit Union	3.51% ($100k) 5-year Jumbo CD	Easy membership See review
Third Federal Savings & Loan	3.50% ($500) 59-month CD Special	See review
Georgia Banking Company	3.50% ($500) 5-year Certificate	See review
Utah First Credit Union	3.50% ($500) 60-month CD	Easy membership
PenFed Credit Union	3.50% ($1k) 5-year Money Market Certificate	Easy membership See review
McGraw-Hill Federal Credit Union	3.50% ($1k) 60-month CD Promo	EMR See review
Connexus Credit Union	3.50% ($5k) 60-month Share Certificate	EMR See review
Popular Direct	3.50% ($10k) 5-year Popular Direct CD	Internet bank See review
State Bank of India	3.49% ($25k) 5-year Senior Citizen CD	See review
Advancial	3.38% ($50k) 5-year Jumbo Certificate	EMR See review
First Internet Bank	3.35% ($1k) 60-month CD	Internet bank See review
M.Y. Safra Bank	3.35% ($5k) 60-month Online Promo CD	See review
Latino Credit Union	3.35% ($200k) 60-month Jumbo CD	Easy membership See review
MutualOne Bank	3.30% ($5k) 61-month CD	See review
Greenwood Credit Union	3.00% ($1k) 60-month CD	EMR See review

Noteworthy Local Deals - 5-Year CDs

Founders Federal Credit Union	4.06% ($500) 60-month Share Certificate	South Carolina See review
Bank of Utica	4.00% ($500) 5-year CD	3 upstate New York counties See review
The Fahey Banking Company	4.00% ($500) 60-month CD w/qualifying Kasasa checking	Ohio See review
First Guaranty Bank	3.75% ($500) 5-year CD Special	9 Louisiana parishes and 5 Texas counties See review
Pelican State Credit Union	3.71% ($500) 60-month CD	Easy membership for AR, LA, MS, and TX See review
Alaska USA Federal Credit Union	3.70% ($250k), 3.55% ($100k), 3.45% ($50k), 3.35% ($25k), 3.30% ($10k) 60-month CD	Alaska, Washington, San Bernardino County (CA), Maricopa County (AZ) See review
Texas Bay Credit Union	3.56% ($50k) 60-month Jumbo Certificate	Greater Houston metro area See review
Mercantil Bank	3.50% ($500) 60-month Online CD	Florida and Texas See review
Rocky Mountain Credit Union	3.50% ($1k) 60-month Share Certificate	8 Montana counties See review
Knoxville TVA Employees Credit Union	3.50% ($2.5k) 60-month Certificate Special (new money)	8 east Tennessee counties See review
BMO Harris Bank	3.50% ($5k) 60-month Special Rate CD	AZ, FL, IL, IN, KS, MN, MO, and WI See review
National Bank of New York City	3.45% ($2.5k) 54-59 month CD	NYC, Long Island, Westchester See review
Knoxville TVA Employees Credit Union	3.40% ($2.5k) 60-month Certificate Special (not new money)	8 east Tennessee counties See review
Texas Bay Credit Union	3.35% ($1k) 60-month Certificate	Greater Houston metro area See review
Lewis Clark Union	3.35% 60-month Share Certificate	4 Idaho and 3 Washington counties See review
P1FCU	3.35% ($500) 60-month Share Certificate	12 Idaho and 2 Washington counties See review

Over 5-Year CD Rates

Michigan State University Federal Credit Union	3.76% ($100k) 7-year Jumbo CD	Easy membership See review
The Vanguard Group Brokered CD	3.65% (APR) 7-year non-callable CD	Issued by GSB*
Fidelity Brokered CD	3.65% (APR) 10-year non-callable CD	Issued by GSB*
KS StateBank	3.60% ($500) 7-year CD	See review
The Vanguard Group Brokered CD	3.60% (APR) 10-year non-callable CD	Issued by GSB*
Fidelity Brokered CD	3.60% (APR) 7-year non-callable CD	Issued by GSB*
First National Bank of America	3.55% ($1k) 84-month Time CD
PenFed Credit Union	3.50% ($1k) 7-year Money Market Certificate	Easy membership See review
M.Y. Safra Bank	3.35% ($5k) 72-month Online Promo CD	See review
AFFCU (formerly Air Force Federal Credit Union)	3.20% ($2.5k) 7-year CD	Easy membership See review
Navy Federal Credit Union	3.25% ($100k), 3.10% ($1k) 7-year CD	Military relationship See review
Marcus by Goldman Sachs	3.15% ($500) 6-year High Yield CD
Navy Federal Credit Union	3.15% ($100k), 3.05% ($1k) 6-year CD	Military relationship See review
Vio Bank	3.15% ($500) 120-month High Yield Online CD	Internet bank See review
Apple Federal Credit Union	3.15% ($500) 120-month CD
Vio Bank	3.10% ($500) 84-month High Yield Online CD	Internet bank See review

Noteworthy Local Deals - Over 5-year CDs

Lebanon Federal Credit Union	3.51% ($500) 66-month CD Special	Lebanon County, Pennsylvania
Credit Human (formerly San Antonio Federal Credit Union)	3.35% ($1k) 120-month Share Certificate	San Antonio, TX
Kemba Credit Union	3.25% ($500) 72-month CD Special	14 SW Ohio, 8 northern Kentucky, 2 SE Indiana counties Account review
Fairfax County Credit Union	3.25% ($2.75) 72-month Share Certificate	Fairfax County, Virginia Account review
Gesa Credit Union	3.25% ($500) 84-month Certificate	Washington State Account review
Roselle Savings Bank	3.25% ($1k) 84-month CD	7 Northern New Jersey counties
Randolph-Brooks Credit Union	3.25% ($1k) 84-month CD	San Antonio and Austin, TX, relationship to Randolph Air Force Base
Security Service Federal Credit Union	3.25% ($50k), 3.20% ($25k), 3.15% ($500) 7-year CD	Select areas in Texas, Colorado, and Utah
Afena Credit Union	3.20% ($100k) 84-months Share Certificate	Grant and Wabash Counties, IN

*ALLY (Ally Bank), BCNA (Banc Calif NA), BOA, (Bank of America), BoC (Bank of China), BoLX (Bank of Lexington), CBNA (Citizens Bank NA), CENB (Centric Bank Harrisburg PA), CITB (CIT Bank), DIS (Discover Bank), GSB (GS Bank), MBPA (Meridian Bank PA), NBMA (Needham Bank MA), PKWBT (Parkway B&T IL), SMB (SallieMae Bank), SToI (State Bank of India), TXCB (Texas Capital Bank), WFB (Wells Fargo Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

Great Lakes Credit Union	7.00% ($1k min/$7k max) 7-month 7-7-7 Share Certificate	EMR See review
Montgomery County Employees Federal Credit Union	2.53% ($1k) 9-month Share Certificate Special	Easy membership See review
Luther Burbank Savings	2.83% ($1k) 18-month Step Up CD	See review
Synchrony Bank	2.75% ($2k) 15-month CD	Internet bank See review
Kinecta Credit Union	2.75% ($1k) 15-month Promotional CD	EMR See review

CDs Removed, No Longer Available - Local

Asian Bank	2.88% ($1k) 4-month CD Special	Portions of DE, PA, NJ, and NYC
Ocean State Credit Union	2.80% ($1k) 1-year CD Special	Easy membership, but requires in-branch visit See review
CoVantage Credit Union	3.25% ($5k) 17-month Certificate Special	19 northeast Wisconsin and 2 Michigan UP counties See review
Fox Communities Credit Union	3.08% ($10k) 15-month CD Special	12 northeast Wisconsin counties See review
Tremont Credit Union	3.08% ($10k) 15-month CD Special	3 Massachusetts counties See review
United Federal Credit Union	3.00% ($500) 16-month Certificate Special	EMR for AR, IN, MI, NV, NC, OH, OK See review
Washington Trust Company	3.00% ($500) 18-month Promotional CD w/checking	Rhode Island, Connecticut, Massachsetts See review
Cyprus Credit Union	2.90%($1k) 18-month 90th Anniversary Certificate Special	Easy membership for Utah residents See review
University of Iowa Community Credit Union	2.90%($100k), 2.80% ($10k), 2.70% ($1k) 19-month CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Core Bank	3.00% ($10k or $25k) 23-month CD Special	Nebraska and Kansas See review
IBM Southeast Employees Federal Credit Union	3.05% ($1k) 26-month Promotional Certificate	8 Florida and 12 Georgia counties Account review
Pathways Financial Credit Union	4.00 ($10k) 40-month Certificate Special	7 central Ohio counties See review
Pathways Financial Credit Union	3.50 ($10k) 30-month Certificate Special	7 central Ohio counties See review
University of Iowa Community Credit Union	3.40%($100k), 3.30% ($10k), 3.20% ($1k) 39-month Bump Option CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
United Federal Credit Union	3.20% ($500) 36-month Certificate Special	EMR for AR, IN, MI, NV, NC, OH, OK See review
United Federal Credit Union	3.40% ($500) 46-month Certificate Special	EMR for AR, IN, MI, NV, NC, OH, OK See review

CDs Removed, Rate Too Low - National

Greenwood Credit Union	2.50% ($1k) 12-month CD	EMR See review
Banc of California	2.70% ($25k) 18-month CD	Account review

CDs Removed, Rate Too Low - Local

Texas Exchange Bank	1.55% ($10k) 24-month New Money CD	Texas See review
Teachers Credit Union	2.48% ($2.5k) 22-month Share Certificate Special	Indiana and 2 southwest Michigan counties See review
Firelands Federal Credit Union	2.60% ($500) 48-month Share Certificate	5 north-central Ohio counties See review
Arapahoe Credit Union	3.30% ($100) 60-month Certificate	Easy membership for Colorado residents See review
Firelands Federal Credit Union	3.00% ($500) 60-month Share Certificate	5 north-central Ohio counties See review

Post Publication Edits

12/5/2018: Virtual Bank 12-month eCD rate raised.

12/6/2018: Greenwood CU 60-month CD rate lowered.

Brokered CD Bum | Dec 7, 2018 | Comment #24

This is a reminder that APR does not equal APY. The following are the APY for equivalent total interest returned on the highest APR brokered CDs.

3.10% APR 2YR = 3.05% APY 2YR
3.25% APR 3YR = 3.14% APY 3YR
3.40% APR 4YR = 3.23% APY 4YR
3.55% APR 5YR = 3.32% APY 5YR
3.65% APR 7YR = 3.30% APY 7YR
3.65% APR 10YR = 3.16% APY 10YR

lou | Dec 7, 2018 | Comment #25

Your list doesn't make any sense. You might want to fix it.

lou | Dec 7, 2018 | Comment #26

Since interest is not compounded on brokered CDs, shouldn't APR equal APY?

Brokered | Dec 7, 2018 | Comment #28

Interest on brokered CD's is paid (usually) every six months. This is no different than taking the interest from a regular CD as it is generated. Bank CD's (usually) compound the earned interest thus raising the base upon which interest is calculated. Hence the slightly greater return over the life of the CD. If the interest from a brokered CD is reinvested wisely, one can make MORE than the interest earned through compounding. The reverse is also true.

I like brokered CD's because they are simple. I know the fixed rate and time and I like the steady interest payments. I usually buy dividend paying utilities with the proceeds and then take dividends until I've made a decent profit on the price of the stock at which time I may or may not sell. I have a few utilities I've done this with and it's worked out quite well.

My wife had a small IRA (around 30K). She put it all into brokered CD's at 3.3%. Years later, when brokered D's were around 3%, we sold hers for a profit. She bought a utility at $27/share, paying over 5% dividend. It's now trading at $30/share with a steady dividend. There was no EWP on the brokered CD, in fact she sold it for more than original par and now makes a better return. We plan to liquidate the IRA next year to avoid the hassle of RMD. We will have pensions, SS and cash. No 401K or IRA worries. And, most of our cash will be in brokered CD's that, over time, have become laddered.

DOA | Dec 7, 2018 | Comment #29

Most brokered cd’s pay out interest every 6 months, but one can sometimes find a few that pay out monthly interest payments.

Brokered | Dec 7, 2018 | Comment #30

#29
Absolutely...which is why it's always important to read the "fine" print. I usually go long with 5-10 year CD's.

Att | Dec 7, 2018 | Comment #31

As long as a someone buys your brokered CD you can cash out. If no one wants to buy on secondary market you may not be able to cash out. If intrest rates go up the value of your CD on the secondary market can be less than your par cost like a bond.

DOA | Dec 7, 2018 | Comment #33

Here is pretty much what I normally experience on a purchase of a new issue brokerage cd. Once you get one, you need to keep it until maturity. If you sell it before maturity, you normally lose.

dollarsncents | Dec 7, 2018 | Comment #34

Precisely why I ladder almost all my CDs. Never any thoughts of cashing them before maturity and have always produced a very good average interest rate for decades.

No I don't always hit the highest interest rate when renewal time comes up, but then again I am never stuck with the lowest rates like people have seen in the past several years and no frantic rate chasing involved.

Brokered | Dec 10, 2018 | Comment #41

I'm putting 250K in 3.6% 10-yr CD's. Rates may go up but I'd rather lock this rate like I did 3.3% CD's many years ago. I have another 100K coming in from PenFed in two weeks so I'll watch the FED and perhaps pause for a CD rate increase. In any case, it's all about net worth. I'm retired and not interested in chasing stocks or CD rates across the country.

Brokered | Dec 10, 2018 | Comment #40

We had 32K in 10-yr 3.3% CD's for several years. When rates were around 3.0% we sold it for a PROFIT and reinvested the money in a utility stock paying a great dividend. I wanted greater liquidity.

Brokered CD sale...
$32,000 in 3.3% 10-yr CD's
sold when rates were 3%
$33,041.05 deposited into account.

We earned 3.3% for several years and sold the principal for a profit (3.2%). If this was a typical CD we would have incurred the dreaded EWP.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.

Comments

Sort by Date | Sort by Votes

45 Comments.

Keith | Dec 5, 2018 | Comment #1

What about NewCenturyBank? They are advertising better cd rates than most of the banks and credit unions listed here. Is there something I’m missing with this bank?

topsyturvy | Dec 5, 2018 | Comment #5

it is an odd bank, they seem to require written application. also, their EWP is 2 years!

rockies | Dec 5, 2018 | Comment #7

Keith, as Ken points out in his write up "Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. New Century Bank has a low asset base." Having said that, I did reach out to them late last week. Here are a few other points in addition to topsyturvy's heads up on the 2 year EWP. No partial early withdrawals permitted. New Century reserves the right to not grant a request for any early withdrawal. CD's may only be held outside an IRA; there is no equivalent IRA CD. They do permit multiple CD's. There is no maximum investment per CD, but FDIC insurance limits apply. I think they could easily be buried by DA fans, so plan to be very patient if you decide to do something with them.

Ken Tumin | Dec 5, 2018 | Comment #13

I just learned that New Century Bank is no longer offering the 4.01% on its 5-year CD. We'll be removing it from our listings asap.

Robb | Dec 5, 2018 | Comment #2

Good to see Navy FCU back on the leader board even if it's on an IRA only deal.

Dunmovin | Dec 5, 2018 | Comment #4

Robb...only an “add-on” IRA CD. Hello, ken!

HighYield | Dec 5, 2018 | Comment #3

Thank you Ken. Excellent commentary, as always. And thanks for the heads-up about MySavingsDirect.com. I'm going all in, and will ride that 2.40% "savings train" till the end. :) They also have a short-term 6-month CD (2.35%) for the ultra-conservative old guys, like me. I hope that goes up too.
--Fred Mertz

DAfan | Dec 5, 2018 | Comment #6

Midflorida 3.00% 18 month CD

Michael Flynn | Dec 5, 2018 | Comment #8

What are the CD rates at New Century Bank?

MidAtlantic | Dec 5, 2018 | Comment #9

Ken describes the latest PenFed CD rates as disappointing and comments elsewhere are generally negative. However, the 5-year CD at 3.5% is the 4th highest rate on the search here. Three of the higher ones are 3.51%, then it goes 3.57% and the highest is 3.6%. In that context the rate is good. I know there are issues about their EWP, but overall PenFed remains well in line with the competition. I know there is a whole different issue about whether to go for 5 years at this point.

Trump Crash | Dec 5, 2018 | Comment #10

The right time to buy a 5 year CD was six months ago at 4%+.

Att | Dec 5, 2018 | Comment #14

We already had 4% CDs offered recently for 5 years (Connexus was one of them and I opened a 5 year with them) and every once in a while some institution offers a rate that is significant enough to open a CD, just like the old Penfed. . I'm pulling my money out of Penfed and let's see if the Fed raises rates and see if CD rates go up. Competition is a good thing

dim t | Dec 7, 2018 | Comment #35

Yes Att.

That is what six months ago means, in the past.

Robb | Dec 5, 2018 | Comment #15

That extreme EWP would definitely keep me away and is a big negative. If rates do go up over the next couple of years it would take a long time to break even if you were to break the CD. Can't see rewarding any institution for such a harsh EWP unless you were compensated with an extremely great rate which this is not.

Mak | Dec 6, 2018 | Comment #22

Robb, I don't like the EWP either but I don't think banks offer CDs with the intent on having them broken so I can understand the higher EWPs... also the 10 year bond is yielding 2.9% so a 3.5% CD is much better even after factoring in the state tax benefit.

Robb | Dec 8, 2018 | Comment #38

Mak there have been plenty of CDs offered earlier this year at rates above 3.5% with a 6 month EWP which have been much more attractive versus this PenFed deal. Got to pick your spots carefully.

Mak | Dec 9, 2018 | Comment #39

Robb, I ladder so I always have CDs coming due so I don't worry too much about the EWP ... Lately I've done the USSFC 3.63%, Garden State 4.08%, Connexus 4%, the Nasa 15 month 3.25% and I just opened one yesterday that I found a couple days ago at TruWest credit union 19 month 3.25%.

Milty | Dec 5, 2018 | Comment #11

The Sun East FCU CD ([email protected]%) appears to be available nationally with an easy membership path involving a $10 donation. Applying online is fairly smooth, but accessing a CSR can be slow at times.

alan1 | Dec 5, 2018 | Comment #12

#11 -- please elaborate on national availability. According to depositaccounts.com "Field of Membership Restrictions" and the "Related Posts" under "27 Month CD Special For 3.5% APY - New Money Only - 10/31/2018" that does not appear to be the case. People have reported that they were not able to join Sun East FCU because of geographical restrictions.
https://www.depositaccounts.com/banks/sun-east-cu.html

Thanks.

Milty | Dec 5, 2018 | Comment #16

Sorry, I originally posted before I saw those reviews regarding regional exclusions. However, just spoke to SECU and supposedly those exclusions have been recently lifted. I suggest those interested contact Sun East for their particular case.

rockies | Dec 6, 2018 | Comment #17

Ken notes in this post "The highest nationally available 5-year CD rate is now 3.75% APY, and it’s available at Greenwood Credit Union which has easy membership requirements." Just a reminder that "While all Greenwood CU CDs are available as IRAs (Traditional, Roth, CESA, and SEP), opening an IRA or trust account requires an in-branch visit." (as mentioned in Ken's November 6th post entitled 12 Month CD At Greenwood Credit Union). Therefore the practical reality is that this CD is only nationally available outside an IRA.....not inside an IRA

kman | Dec 6, 2018 | Comment #19

Looks like they just lowered it to 3%.

alan1 | Dec 6, 2018 | Comment #18

Greenwood's 5-year CD with an APY of the 3.75% may no longer be available. That offer is still listed on the credit union website's home page. However, the rate sheet lists an APY of 3.00%.

https://www.greenwoodcu.org/gcu-rates/certificate-of-deposits/

gregk | Dec 6, 2018 | Comment #20

Has the window on higher long-term CD rates closed now? I went all in on the Keesler 7 month (maturing in March), and the Ally bonus offer (4 accounts variously jointly owned, - with the money tied up until mid-January), thinking 5 year CD rates would still be on the rise early next year. But now I wonder. I may even renew all my maturing PenFed CD's in late January at 3.50% ( if the rate hasn't dropped by then). What a capitulation that would be. Grudging acknowledgement that those who grabbed 4% when they could might have done right. Even the 3.75% offer is off the table now. Is there any hope?

lou | Dec 6, 2018 | Comment #21

Over the yrs when people would tell me they knew where interest rates were going, I would always tell them how come you don't take that information and make millions investing in treasury futures. The answer is because no one knows.

So the question is: Has the economy slowed or is it experiencing some temporary bumpiness. I have a hunch the tariff issue will be beneficially resolved in the next 6 months and since there doesn't seem to be any other headwinds I can discern, the economy should remain healthy for the immediate future. As such, I still think we are going to see good CD deals in 2019. Hopefully, because a good economy is good for everyone, this is not wishful thinking.

Mak | Dec 6, 2018 | Comment #23

Exactly why I ladder

#27 - This comment has been removed for violating our comment policy.

CDL | Dec 7, 2018 | Comment #32

In Deposit Accounts latest CD Review, Noteworthy Local Deals - 3-Year CDs
Four Points Federal Credit Union
3.35% ($10k) 30-month Certificate Promotion
Easy membership for AR, IN, MI, NV, NC, OH, and OK See review"
Going to URL "see review" membership to" Four Points Federal Credit Union is open to individuals who live, work, worship, or attend school in Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, or Wyoming.

Milty | Dec 8, 2018 | Comment #36

Looks like the United Bank (CT) [email protected]% CD is gone.

Milty | Dec 8, 2018 | Comment #37

However, Popular Direct's 18-month CD is now at 2.95% from 2.85% . . . ah, what mad pursuit.

deplorable 1 | Dec 10, 2018 | Comment #42

Market USA FCU has a 20 month share certificate @ 3.35%. It's capped at $20,000 and it looks like anyone can join through the ACC(depending on residency?) or a $5 donation to the Market USA Cares Foundation. I thought this looked like a good deal.
https://www.marketusafcu.com/savings_checking/certificates.aspx

Milty | Dec 11, 2018 | Comment #43

Just noticed Popular Direct recently increased its savings account rate from 2.26% to 2.36%.

deplorable 1 | Dec 11, 2018 | Comment #44

Michigan only 3.10% savings account guaranteed for 6 months $50,000 min. in branch only.
https://www.levelonebank.com/FlashSavingsAccount
I may have to empty out my GM right notes account for this deal.

Richard | Dec 12, 2018 | Comment #45

The best rates available for 2-yr, 3-yr, 4-yr, and 5-yr term, new issue, call-protected, brokered CDs offered at Vanguard have decreased since December 4th. As of noon today the best rates offered at Vanguard are: 2-yr @ 3.00% [WFB], 3-yr @ 3.20% [WFB], 4-yr @ 3.35% [WFB], and 5-yr @ 3.50% [WFB].

jrz83 | Dec 13, 2018 | Comment #46

Vanguard is currently offering a 1-year, brokered CD (non-callable, new issue) by Safra National Bank (Maturity Date: 12/26/2019) at 2.80%. TD Ameritrade, Schwab, and Fidelity are offering the same Safra National Bank 1-year, brokered CD (with the same maturity date) at 2.75%.

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