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CD Rates Summary - December 2, 2020

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We didn’t see a large surge of rate cuts with the start of December. We’ve seen a higher number of CD rate cuts for the start of previous months this year. I looked back at my CD summaries for the start of the last three months. In September and October, my CD rate change lists totaled 31 for each month. The count went down to 22 for the start of November. For this month, the total is only 17, and 4 out of the 7 credit union CD rate changes included rate hikes. This suggests banks and credit unions may be reaching their CD rate bottoms.

The four credit unions that had rate hikes included USALLIANCE Financial, Connexus, NASA FCU and Veridian. USALLIANCE Financial increased the rates of two of its CD specials to over 1%. Connexus increased its 5-year CD yield to 1.01%. The other two credit unions didn’t have new CD rates that reached 1%, but their short-term CD special rates increased to noteworthy levels.

We’re seeing fewer rate cuts from the major online banks. That’s another positive trend. However, the new CD rates are disturbingly low. These include 5-year rates of 0.60%, 0.50% and 0.35% at Discover, Live Oak and Citizens Access. I don’t see any reason to lock into these low rates for five years. We’ve been tracking Discover Bank rates for more than 10 years, and its 5-year CD rate had never been below 1.50% before 2020.

Live Oak Bank has been temporarily boosting some of its CD rates in the last couple of months. In October, it increased its 1-year CD rate from 0.60% to 0.80%. Three weeks later, the 1-year rate fell while the 5-year CD rate increased from 0.60% to 1.00%. Last week, the 5-year rate fell to 0.50% while the 2-year rate increased from 0.60% to 0.80%. Based on this pattern, expect Live Oak’s 2-year CD rate to fall to around 0.50% in December while another CD receives a temporary rate boost.

Noteworthy CD rate changes from two weeks ago are included below (All percentages are APYs).

I’ve separated them into three groups: 1) the popular banks, 2) the less well-known banks that have been rate leaders, and 3) the credit unions with easy membership requirements.

Popular Online Banks:

  • Discover Bank (5yr 0.70% → 0.60%, 1yr 0.60% → 0.50%)
  • Live Oak Bank (5yr 1.00% → 0.50%, 2yr 0.60% → 0.80%, 1yr 0.70% → 0.50%)
  • Citizens Access (5yr 0.45% → 0.35%, 1yr 0.30% → 0.20%, 11m NP 0.25% → 0.15%)

Less well-known banks that have been rate leaders in the past:

  • First National Bank of America (4yr 0.90% → 0.85%, 1yr 0.70% → 0.60%)
  • State Bank of India (4yr SC 0.90% → 0.85%, 1yr SC 0.65% → 0.60%)
  • Limelight Bank (3yr 0.85% → 0.80%, 1yr 0.70% → 0.65%)
  • KS StateBank (5yr 0.55% → 0.60%, 1yr 0.25% → 0.30%)
  • MainStreet Bank (5yr 0.80% → 0.50%, 1yr 0.50% → 0.30%)
  • MY Safra Bank (5yr 0.40% → 0.30%, 1yr 0.50% → 0.45%)
  • BankUnitedDirect (3yr 0.35% → 0.25%, 1yr 0.60% → 0.50%)

Credit unions that have easy membership requirements:

  • USALLIANCE Financial CU (3yr Spc 0.75% → 1.25%, 18m Spc 0.85% → 1.15%)
  • Connexus CU (5yr 0.91% → 1.01%, 1yr 0.61% → 0.71%)
  • NASA FCU (49m 0.80% → 0.90%, 15m 0.70% → 0.80%, 9m 0.65% → 0.75%)
  • Consumers CU (20m Sp Jbo 1.20% → 0.90%)
  • American 1 CU (5yr IRA 1.26% → 0.85%, 5yr 1.00% → 0.75%, 1yr 0.25% → 0.15%)
  • US Senate FCU (5yr 0.60% → 0.55%, 1yr 0.40% → 0.35%)
  • Veridian CU (1yr Jbo 0.95% → 0.55%, 7m Jbo 0.40% → 0.90%)

Brokered CD Rates

For non-callable brokered CDs, the rate changes were mixed, but there were more rate cuts than rate gains.

For CDs with terms of two years and under, the highest rates are either 0.05% or 0.10% at both Fidelity and Vanguard.

The highest rate for a 5-year non-callable CD is now 0.50% at both Fidelity and Vanguard. This is down 5 bps from two weeks ago.

For the longer-term CDs with terms over five years, rates have been rising. The highest is now 1.00% (10-year term at Fidelity). There were non-callable 7-year and 10-year CDs today at both Fidelity and Vanguard. The highest 7-year rate was 0.65% at both Fidelity and Vanguard. The fact that there were non-callable long-term CDs is a positive sign.

The callable feature gives the bank the right to redeem a CD early. That can save the bank money when interest rates fall. However, the CD holder loses out if rates fall and the CD is called early. When banks offer more callable long-term CDs, it’s a sign that they think rates are heading down. When the number of callable long-term CDs decline, banks may think rates have reached a bottom and will eventually be rising.

Brokered CD rates tend to lead direct CD rates. Since brokered CD rates are quite a bit lower than the top direct CD rates, that would suggest that direct CD rates will continue to fall, at least at the online banks that haven’t slashed rates to levels far below 1%.

Falling brokered CD rates was a trend that began in November 2018 when the top 5-year rates reached as high as 3.60%.

Direct CD Rates and Deals

Barksdale Federal Credit Union had been the rate leader for most CD terms. After last month’s rate cuts, that’s no longer the case. Only its 5-year CD (1.45% APY) remains on top.

Membership in Barksdale FCU is not open to everyone, but Barkdale’s field of membership is similar to that of Navy Federal in that former members of the US military (and their immediate family) are eligible to join. As stated on the online application, those who qualify for membership include “Honorably discharged or retired veterans or immediate family members who served in a branch of the Armed Services of the United States.”

For more details on Barksdale FCU, its CDs and membership, please refer to my September Barksdale CD review.

Advancial Credit Union has CD rates at the top in several categories. Its Jumbo 5-year CD yield (1.42%) is just a little below Barksdale’s. Advancial hasn’t always made it easy to join and open CDs. Based on info received from Advancial in November, people in any state can still join the association Connex to qualify for Advancial membership. Also, new CDs are available to new members. I have more details in this Advancial CD review.

The best mid-term CD deals are currently available from USALLIANCE Financial Credit Union which came out with two very competitive CD specials on Black Friday. These include a 36-month CD that earns 1.25% APY and an 18-month CD that earns 1.15% APY. Minimum deposit is only $500. I have more details in this USALLIANCE Financial CD review.

Another good mid-term CD deal is the 30-month CD at INSBANK Online (1.15% APY). Minimum deposit is only $2,500. A few months ago INSBANK launched this online division. Some of their CD rates have fallen since they launched, but all of the rates remain competitive. The 30-month CD currently has the highest rate.

Savings and Money Market Accounts

There are currently only five institutions with liquid accounts that offer yields of at least 1.00% without any small maximum balance, activity/checking requirements or unusual withdrawal limitations.

Three of the five are actually fintechs that have partnered with banks to hold the deposits in FDIC-insured accounts. These fintechs are Affirm, Chime and T-Mobile.

The fourth is Merchants Bank of Indiana which offers a money market account with an APY that has been holding at 1.00% since March. According to the Bank, people from any state are eligible to open this account via the Bank’s online application.

The fifth institution is Advancial Credit Union. Its Premium Money Market account has a 1.01% APY for a minimum balance of $100k. For those interested in Advancial CDs, this is another reason to join.

For more details about these five accounts, please refer to my latest liquid account summary.

Safety of the Banking System and Your Deposits

Even though the banking industry is in a much better position now than it was in 2008, the crisis is stressing the financial system. Weak banks and credit unions will have a higher chance of failing over the next year. Thus, this is the time to be extra careful that your deposits are within the FDIC and NCUA limits.

Federal Reserve and Interest Rate Summary

The Fed and economy review is now split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post.

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 2, 2020

Under 1-Year CD Rates

InstitutionRatesNotes
Advancial0.96% ($50k) 6-month Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past
CommunityWide Federal Credit Union0.90% ($1k) 6-month Share CertificateEasy membership Account review
Veridian Credit Union0.90% ($100k) 7-month Jumbo CD Special (**NTS)Easy membership See review
Consumers Credit Union (IL)0.75% ($250k) 9-month Super-Jumbo CD Easy membership Account review
NASA Federal Credit Union0.75% ($10k) 9-month Share Certificate Special (**NTS)Easy membership Account review
LaFayette Federal Credit Union0.70% ($500) 7-month Fixed CD Easy membership Account review
CFG Bank0.68% ($500) 13-month Penalty Free CDAccount review
Marcus by Goldman Sachs0.65% ($500) 8-month No-Penalty CD Available to active AAPR members only Account review
USALLIANCE Financial0.60% ($500) 11-month No-Penalty Certificate SpecialEasy membership See review
iGObanking0.60% ($1k) 6-month iGOCD Account review
Ally Bank0.60% ($25k) 11-month No-Penalty CD Account review
First Internet Bank0.55% ($1k) 6-month CD (**NTS) Account review
Marcus by Goldman Sachs0.55% ($500) 7-month No-Penalty CD Account review
Marcus by Goldman Sachs0.45% ($500) 11-month No-Penalty CD Account review
The Vanguard Group Brokered CD0.05% (APR) 7-9 month non-callable CDIssued by ICB*
Fidelity Brokered CD0.05% (APR) 3-month non-callable CDIssued by ESSA*

Noteworthy Local Deals - Under 1-Year CDs

TEXAR Federal Credit Union1.25% ($1k) 6-month Share Certificate 4 Texas and 2 Arkansas counties See review
TruBank1.00% ($10k) 9-23 month Pick Your Term CD Central Iowa
InTouch Credit Union0.85% ($1k) 7-month CD 1 Michigan county, 3 Texas counties, 10 Nevada communities
TTCU Federal Credit Union0.85% ($100k) 6-month Income CD14 Oklahoma counties
EFCU Financial0.85% ($100k) 6-month Jumbo CD 9 Louisiana parishes See review

1-Year CD Rates

American Heritage Credit Union1.15% ($100k) 11-month Jumbo CD Special Easy membership, BUT this CD only available to existing American Heritage members and PA, DE, and NJ residents See review
Advancial1.01% ($50k) 1-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
CommunityWide Federal Credit Union0.90% ($1k) 12-month Share CertificateEasy membership Account review
Capital Educators Federal Credit Union0.85% ($250) 12-month Smart Step Certificate (**NTS)Easy membership Account review
USALLIANCE Financial0.85% ($500) 12-month Certificate SpecialEasy membership See review
State Bank of Texas0.85% ($25k) 12-month CD Account review
LaFayette Federal Credit Union0.80% ($500) 1-year Fixed CD (**NTS)Easy membership Account review
Primary Bank0.80% ($1k) 12-month CDAvailable in CT, ME, MA, NH, RI, and VT Account review
Paramount Bank0.75% ($1k) 12-month CD Account review
INSBANK Online0.75% ($2.5k) 12-month CD Account review
CFG Bank0.73% ($500) 12-month CD Account review
The Vanguard Group Brokered CD0.10% (APR) 1-year non-callable CDIssued by BHAP*
Fidelity Brokered CD0.10% (APR) 1-year non-callable CDIssued by BHAP*

Noteworthy Local Deals - 1-Year CDs

Coastal Community and Teachers Credit Union1.36% ($1k) 12-month CD6 Texas counties See review
General Electric Credit Union1.21% ($500) 11-month Share Certificate Special 16 Ohio, 5 Kentucky, 5 Indiana counties See review
Navy Army Community Credit Union1.20% ($100k) 1-year Jumbo CD 8 Texas counties See review
CSE Federal Credit Union1.11% ($1k) 1-year Share Certificate 3 Louisiana parishes See review
DuTrac Community Credit Union1.11% ($100k) 12-month Jumbo Certificate Special 16 Iowa, 4 Illinois, 1 Wisconsin counties See review

18-month CD Rates

American Heritage Credit Union1.25% ($1k) 15-month CertificateEasy membership, BUT this CD only available to existing American Heritage members and PA, DE, and NJ residents See review
USALLIANCE Financial1.15% ($500) 18-month Certificate Special (**NTS)Easy membership See review
Advancial1.07% ($50k) 18-month Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
Western Vista Credit Union1.00% ($10k) 19-month CD Special (**NTS)Easy membership See review
Vibrant Credit Union1.00% (no min) 15-month CD SpecialEasy membership See review
Evansville Teachers Federal Credit Union0.90% ($1k) 18-month CD (**NTS)Easy membership Account review
Hyperion Bank0.85% ($500) 18-month CD Account review
Primary Bank0.85% ($1k) 18-month CD Available in CT, ME, MA, NH, RI, and VT Account review
United Texas Bank0.75% ($1k) 12-month CD (**NTS) Account review
INSBANK Online0.85% ($2.5k) 18-month CD Account review
MutualOne Bank0.75% ($500) 18-month CD (**NTS) Account review
Paramount Bank0.75% ($1k) 18-month CD (**NTS)Account review
Pen Air Federal Credit Union0.70% ($500) 15-month Add-On CDEasy membership See review
Fidelity Brokered CD0.10% (APR) 18-month non-callable CDIssued by NB5¢*

Noteworthy Local Deals - 18-Month CDs

CSE Federal Credit Union1.26% ($1k) 18-month Share Certificate3 Louisiana parishes See review
TEXAR Federal Credit Union1.25% ($1k) 18-month Share Certificate (**NTS)4 Texas and 2 Arkansas counties See review
Members Choice Credit Union1.11% ($500) 18-month Share Certificate5 NE Kentucky counties
First Bank Richmond1.11% 17-month CD SpecialCentral Indiana
Community First Credit Union1.10% ($1k) 18-month CD13 NE Wisconsin counties See review

2-Year CD Rates

Advancial1.13% ($50k) 2-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
Superior Choice Credit Union1.05% ($100k), 1.00% ($50k), 0.95% ($25k), 0.90% ($10k), 0.85% ($2.5k) 2-year Share Certificate Easy membership Account review
Evansville Teachers Federal Credit Union1.04% ($1k) 2-year CDEasy membership Account review
INSBANK Online0.95% ($2.5k) 2-year CD Account review
Wings Financial Credit Union0.95% ($250k), 0.90% ($100k) 2-year Certificate Easy membership See review
Northrop Grumman Federal Credit Union0.92% ($40k) 24-month Bonus Term CD Easy membership See review
Hyperion Bank0.90% ($500) 24-month CD Account review
Primary Bank0.90% ($1k) 2-year CD Available in CT, ME, MA, NH, RI, and VT Account review
United Texas Bank0.85% ($1k) 24-month CD Account review
MutualOne Bank0.80% ($500) 24-month CD Account review
The Vanguard Group Brokered CD0.10% (APR) 2-year non-callable CDIssued by FFB*
Fidelity Brokered CD0.05% (APR) 2-year non-callable CDIssued by PREB*

Noteworthy Local Deals - 2-Year CDs

Coastal Community and Teachers Credit Union1.51% ($1k) 24-month CD6 Texas counties See review
Frontier Bank1.40% ($1k) 24-month Add-Away CD IA, MN, NE, ND, SD See review
Navy Army Community Credit Union1.30% ($100k) 2-year Jumbo CD 8 Texas counties See review
Navigator Credit Union1.30% ($100k) 24-month Jumbo Share CD 2 AL and 1 MS counties See review
Chicago Municipal Employees Credit Union1.25% ($25k), 0.75% ($10k), 0.65% ($1k) 24-month Share CertificateCity of Chicago employees; portions of Cook County

3-Year CD Rates

USALLIANCE Financial1.25% ($500) 36-month Certificate Special (**NTS)Easy membership See review
Advancial1.19% ($50k) 3-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
INSBANK Online1.15% ($2.5k) 30-month CDAccount review
Evansville Teachers Federal Credit Union1.15% ($1k) 3-year CD Easy membership Account review
Wings Financial Credit Union1.11% ($250k), 1.06% ($100k) 3-year CertificateEasy membership See review
Ideal Credit Union1.11% ($70k) 36-month CD Easy membership See review
United Texas Bank1.05% ($1k) 36-month CD Account review
Hyperion Bank1.00% ($500) 36-month CD Account review
Primary Bank0.90% ($500) 36-month CD Available in CT, ME, MA, NH, RI, and VT Account review
MutualOne Bank0.90% ($500) 48-month CD Account review
Fidelity Brokered CD0.30% (APR) 3-year non-callable CDIssued by NYCM*
The Vanguard Group Brokered CD0.20% (APR) 3-year non-callable CDIssued by FFB, MBC*

Noteworthy Local Deals - 3-Year CDs

Coastal Community and Teachers Credit Union1.61% ($1k) 36-month CD 6 Texas counties See review
The Pioneer Savings Bank1.50% ($500) 3-year CD SpecialCleveland metro area See review
Chicago Municipal Employees Credit Union1.45% ($25k), 0.85% ($10k), 0.75% ($1k) 36-month Share Certificate City of Chicago employees; portions of Cook County
Navigator Credit Union1.45% ($100k) 36-month Jumbo Share Certificate 2 AL and 1 MS counties See review
Education First Credit Union1.41% ($500) 3-year CD (**NTS)6 Texas counties See review

4-Year CD Rates

Advancial1.28% ($50k) 4-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
Wings Financial Credit Union1.21% ($250k), 1.16% ($100k) 4-year CertificateEasy membership See review
Hyperion Bank1.20% ($500) 48-month CD Account review
Primary Bank1.20% ($1k) 4-year CDAvailable in CT, ME, MA, NH, RI, and VT Account review
Evansville Teachers Federal Credit Union1.20% ($1k) 4-year CD (**NTS)Easy membership See review
Barksdale Federal Credit Union1.20% ($1k) 48-month CertificateMilitary relationship See review
Hiway Credit Union1.20% ($25k), 1.10% ($10k), 1.00% ($500) 48-59 month CD Easy membership See review
United Texas Bank1.15% ($1k) 48-month CD Account review
MutualOne Bank0.90% ($500) 48-month CD Account review
First National Bank of America0.85% ($1k) 48-59 month CD
Fidelity Brokered CD0.35% (APR) 4-year non-callable CDIssued by MBC*
The Vanguard Group Brokered CD0.30% (APR) 4-year non-callable CDIssued by TAB*

Noteworthy Local Deals - 4-Year CDs

Navigator Credit Union1.80% ($100k) 48-month Jumbo Share CD 2 AL and 1 MS counties See review
Chicago Municipal Employees Credit Union1.65% ($25k), 0.90% ($10k), 0.80% ($1k) 48-month Share CertificateCity of Chicago employees; portions of Cook County
La Joya Area Credit Union1.61% ($1k) 48-month CD Hildago County, Texas
Texas Citizens Bank1.56% ($10k) 48-month One Bump CD Houston metro area
Sea Comm Federal Credit Union1.55% ($1k) 4-year CD 4 New York and 3 Vermont countiesSee review

5-Year CD Rates

Barksdale Federal Credit Union1.45% ($1k) 60-month CertificateMilitary relationship See review
Advancial1.42% ($50k) 5-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
Wings Financial Credit Union1.41% ($250k), 1.36% ($100k) 5-year CertificateEasy membership See review
Hiway Credit Union1.35% ($25k) 60-month CD Easy membership See review
Service Credit Union1.30% ($500) 60-month Share Certificate (**NTS)Easy membership See review
Primary Bank1.30% ($1k) 5-year CDAvailable in CT, ME, MA, NH, RI, and VT Account review
Hyperion Bank1.25% ($500) 60-month CD Account review
Ally Bank1.00% (no min) 5-year High Yield CD Account review
First National Bank of America1.00% ($1k) 60-month CD
North Country Bank1.00% ($1k) 60-month CD (**NTS)
The Vanguard Group Brokered CD0.50% (APR) 5-year non-callable CDIssued by BHAP*
Fidelity Brokered CD0.50% (APR) 5-year non-callable CDIssued by BHAP*

Noteworthy Local Deals - 5-Year CDs

Complex Community Credit Union2.10% (no min) 60-month CD Midland and Odessa, Texas See review
Navigator Credit Union2.10% ($100k) 60-month Jumbo Share CD2 AL and 1 MS counties See review
Massena Savings and Loan2.05% ($1k) 60-month CD (**NTS)St. Lawrence County, New York
Southwest 66 Credit Union2.00% ($500) 60-month Share Certificate Midland and Odessa, Texas See review
Lexington Federal Credit Union2.00% ($500) 60-month Share Certificate Rochester, New York See review

Over 5-Year CD Rates

Evansville Teachers Federal Credit Union1.30% ($1k) 6-year CDEasy membership See review
SRP Federal Credit Union1.26% ($5k) 7-year Flex CDEasy membership See review
Northrop Grumman Federal Credit Union1.25% ($40k) 84-month Bonus Term CDEasy membership See review
AFFCU1.15% ($2.5k) 84-month Share CertificateEasy membership See review
First National Bank of America1.10% ($1k) 84-month Time CD
Third Federal Savings and Loan1.00% ($500) 72-month CD Account review
Fidelity Brokered CD1.00% (APR) 10-year non-callable CDIssued by LOB*
PenFed Credit Union0.90% ($1k) 7-year Money Market Certificate Easy membership See review
KS State Bank0.75% ($500) 7-year CD Account review
Marcus by Goldman Sachs0.70% ($500) High-Yield 6 Year CD Account review
MySavingsDirect0.70% ($1k) 60-120 month My Term CD (**NTS) Account review
The Vanguard Group Brokered CD0.70% (APR) 10-year non-callable CDIssued by LUASB*
Fidelity Brokered CD0.65% (APR) 7-year non-callable CDIssued by LUASB*
The Vanguard Group Brokered CD0.65% (APR) 7-year non-callable CDIssued by LUASB*

Noteworthy Local Deals - Over 5-year CDs

State Nebraska Bank & Trust2.00% ($25k) 10-year Banking 4Ward CDNE Nebraska
First Peoples Community Federal Credit Union1.70% ($500) 72-month Share Certificate3 MD, 3 PA, and 3 WV counties Account review
Guaranty Bank1.60% ($1k) 72-month CD SW Missouri
Security First Credit Union1.56% ($100k), 1.46% ($50k), 1.41% ($25k), 1.36% ($1k) 84-month CD Rio Grande Valley, Texas See review
Royal Credit Union1.51% (no min) 72-month CD 16 Minnesota and 26 Wisconsin counties See review

*BHAP (Bank Hapoalim), ESSA (ESSA Bank & Trust), FFB (First Foundation Bank), IBC (International Bank Chicago), LOB (Live Oak Banking Company), LUASB (Luana Savings Bank), MBC (Merrick Bank Corp), NB5¢ (Newburyport Five Cent Savings), NYCM (New York Community Bank), PREB (Preferred Bank), TAB (Transportation Alliance Bank)

**New To Summary, as of December 2, 2020

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, New Accounts No Longer Available

Lafayette Federal Credit Union1.86% ($500 min/$100k max) 20-month Special Share CertificateAvailable November 10-30, 2020 Account review

CDs Removed, Rate Too Low

La Capitol Federal Credit Union0.70% ($2.5k) 6-month Share Certificate Easy membership Account review
My Banking Direct0.40% ($500) 7-month CD Account review
Veridian Credit Union0.55% ($100k) 12-month Jumbo CD SpecialEasy membership See review
Consumers Credit Union (IL)0.90% ($250k) 20-month Super Jumbo CD Easy membership See review
Limelight Bank0.70% ($1k) 18-month CD Account review
ConnectOne Bank0.35% ($500) 18-month CDAccount review
Chicago Municipal Employees Credit Union1.05% ($25k), 0.65% ($10k), 0.55% ($1k) 18-month Share CertificateCity of Chicago employees; portions of Cook County
Barksdale Federal Credit Union1.10% ($1k) 36-month CertificateMilitary relationship See review
Credit Union 11.21% ($100k), 1.15% ($500) 3-year Share CertificateAlaska
Blue Federal Credit Union1.10% ($100k), 1.00% ($50k) 48-month CD Easy membership See review
Blue Federal Credit Union1.20% ($100k), 1.10% ($50k), 1.00% ($2k) 60-month CD Easy membership See review
Live Oak Bank0.50% ($2.5k) 5-year CD Account review
FivePoint Credit Union1.21% ($99k) 60-month Term Share5 Texas counties See review
Discover Bank0.60% ($2.5k) 10-year CD Account review
Related Pages: 1-year CD rates, 5-year CD rates, nationwide deals, Internet banks
Comments
enelrad1123
  |     |   Comment #1
I didn't see Via Credit Union listed under local deals. Via Credit Union is still offering competitive rates on their 60-71 month CD, paying 1.51% APY and their 48-59 month CD paying 1.31% APY. It is available to residents of 12 Indiana counties. For more details, see Ken's November post about this on the Via Credit Union page.
#2 - This comment has been removed for violating our comment policy.
Mikey1
  |     |   Comment #4
Ive been very pleased and have experienced no problems with my T-Mobile Money account. Transfers process via Customers Bank. I pulled a sizable amount (well into five figures ) into an external account last week with no issues at all.
Rickny
  |     |   Comment #5
IMO I would not consider the T Mobile a Fintech. I think they would stand by there product as they are an established company and not a startup.
kcfield
  |     |   Comment #6
The US Postal Federal Credit Union continues to offer a 1.50% five year IRA CD. Membership is open to anyone through membership in the American Philatelic Society. It is important to remember that a few financial institutions offer significantly higher interest rates for IRA CDs than for regular CDs of the same term.
P_D
  |     |   Comment #7
After 2 years the 2.30% rate guarantee on my Northpointe Bank liquid savings account finally went kaput. It went down to 0.45% today. I only have a small portion of my deposits in that account that I use for cash flow. But still I can do better than that... so I guess it's goodbye to Northpointe. Thanks for the memories!

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