CD Rates Summary September 12, 2017

POSTED ON TUESDAY, SEPTEMBER 12, 2017 BY Ken Tumin

The odds of a December Fed rate hike went up a little from last week. Some of that increase may be attributable to speeches by Fed officials. Cleveland Fed President Loretta Mester and New York Fed President William Dudley. Economist Tim Duy interpreted Mester’s view about rate hikes in his Fed Watch blog:

Mester's commitment to the faith on the inflation forecast means that as of now, she is probably sticking with the current rate path, including a December hike.

Duy summed up the speech by Dudley, who is influential at the Fed, by saying:

Fundamentally, Dudley wants to keep hiking as long as financial conditions keep easing.

Duy then summed up both speeches as support for a December rate hike:

Bottom Line: Hawks are still pushing for additional rate hikes, holding to the story that low inflation is all about transitory factors. This I think remains the dominant position on the FOMC.

We’ll know more about current state of inflation in the next few days. The Bureau of Labor Statistics is scheduled to release the Producer Price Index (PPI) for August on Wednesday and the Consumer Price Index (CPI) for August on Thursday. The consensus is an increase for both PPI and CPI. If these inflation indexes match or exceed the consensus numbers, the odds of a December rate hike should improve.

Another thing that may help us get more Fed rate hikes next year are additional inflation hawks at the Fed. With the resignation of Fed Vice Chairman Stanley Fischer (which is effective on October 13, 2017), President Trump will have four Board of Governor positions at the Fed to fill. In addition, he may decide to replace Janet Yellen as Fed Chair when her term expires in February. So far, President Trump has nominated only one person for a board member. That one Fed nomination is Randal Quarles, who was recently approved by the Senate Banking Committee last week.

The odds of a December Fed rate hike as indicated by the Fed funds futures went up a little this week. The odds of at least one more rate hike this year increased from 36.9% to 41.9%.

Most Treasury yields went up from last week. The primary exception is the 1-month T-Bill. Its yield shot up last Tuesday, but this didn’t last. The yield went back down to a value that was close to what it was before. The largest increase in yield was on the 5-year and 10-year Treasury notes. Both increased 10 bps from last week.

The following numbers are based on Daily Treasury Yield Curve Rates and the CME Group FedWatch.

Treasury Yields:

1-month: 0.99% down from 1.30% last week (0.52% on Jan 3)
6-month: 1.16% up from 1.13% last week (0.65% on Jan 3)
2--year: 1.33% up from 1.30% last week (1.22% on Jan 3)
5--year: 1.75% up from 1.65% last week (1.94% on Jan 3)
10-year: 2.17% up from 2.07% last week (2.45% on Jan 3)
30-year: 2.78% up from 2.69% last week (3.04% on Jan 3)

Fed funds futures' probabilities of future rate hikes by:

Sep 2017 - up by at least 25bps: 0% same as last week
Dec 2017 - up by at least 25bps: 41.9% up from 36.9% last week
Dec 2017 - up by at least 50bps: 0.8% up from 0.7% last week
Dec 2017 - down by 25bps: 0.8% down from 0.9% last week
Jun 2018 - up by at least 25bps: 59.9% up from 50.7% last week

Certificate of Deposit Rates

Several banks and credit unions came out with higher CD rates in September. That’s a positive sign considering the uncertainty over the December Fed rate hike.

Popular Direct increased its 2-year CD rate (1.85% APY) and 5-year CD rate (2.45% APY) to be at or near the top spots for banks.

GS Bank’s recent 5-year CD rate increase puts its 5-year CD rate (2.40% APY) just behind Popular Direct’s.

Credit unions continue to offer better CD deals. Several credit unions came out with new CD specials in September

Veridian Credit Union’s new CD specials include a 25-month CD (2.02% APY for $100k minimum) and a 39-month CD (2.17% APY for $100k).

USALLIANCE Financial ended its special Cooperative Rewards CDs in September, but it came out with higher rates on its longer-term CDs. It now holds the top spot or a 3-year term (2.17% APY, 36-month), and its 25-month CD rate (2.00% APY 25-month) is near the top for 2-year terms. Please see this blog post for a review of USALLIANCE and these CDs.

United States Senate Federal Credit Union increased its 5-year CD rates. Its Jumbo 5-year rate (2.55% APY for $60k minimum) is now just below the nationally-available rate leader, Mountain America Credit Union (2.60% APY for $500 minimum).

AgFed Credit Union came out with another one of its special no-penalty CDs. This new one has a 30-month term with a 1.85% APY. One withdrawal may be made during the original term of the CD with no penalty. Due to the no-penalty feature, this CD can be made into any term, from 7 days to 30 months. Thus, I’ve included it in the tables below for all terms of 3-years and under. The 1.85% APY makes it a great deal for terms under 18 months.

Below is my standard explanation of the strategy of using long-term CDs with mild early withdrawal penalties and how I include these effective yields in the tables below.

An alternative to short-term CDs is long-term CDs that have mild early withdrawal penalties. I include the effective yields of a few long-term CDs when closed early in the tables below. All of these have competitive long-term CD rates and an early withdrawal penalty of 6 months of interest or less. The combination of a high long-term CD rate combined with a mild early withdrawal penalty makes these CDs pretty good deals even when closed early. If you want to compare the effective yields of other CDs after the early withdrawal penalties, please refer to our CD Early Withdrawal Penalty calculator.

The risks of planning for early withdrawals of long-term CDs were highlighted by the deposit agreement change at Ally. The risks have also been seen at credit unions which have raised the early withdrawal penalties on existing CDs. I have more details in this blog post.

Savings & Checking Account Rates

In the past I’ve covered savings and checking account rate changes in another weekly summary post. Each week I would publish one post with a recap of savings and checking account rate changes and another post with a recap of CD rate changes. Since there aren’t a lot of rate changes, I’m now alternating these posts. This week I’ll just publish this CD summary. Next week I’ll just publish the savings/checking summary. For both summaries I’ll include the same economic overview. 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 September 12, 2017

Under 1-Year CD Rates

Institution	Rates	Notes
Navy Federal Credit Union	3.00% ($10k max) 5-month Certificate Special	Military relationship Account review
AgFed Credit Union	1.85% ($1k) 30-month No Penalty CD	One withdrawal may be made during the original term with no penalty
Advancial	1.63% ($50k) 6-month Jumbo Certificate	Easy membership Account review
Veridian Credit Union	1.61% 9-month Jumbo CD ($100k)	Easy membership Account review
Crestmark Bank	1.55% ($100k), 1.30% ($25k) 9-month CD	Account review
Veridian Credit Union	1.51% 9-month CD Special	Easy membership Account review
Ally Bank	1.50% ($25k), 1.25% ($5k) 11-month No Penalty CD	Internet bank See review
Crestmark Bank	1.50% ($100k), 1.25% ($25k) 6-month CD	Account review
The Vanguard Group Brokered CD	1.40% 9-month non-callable CD	Issued by BoC*
Fidelity Brokered CD	1.40% 9-month non-callable CD	Issued by BotW*
First Internet Bank	1.32% 6-month CD	Easy membership See review
EverBank	1.31% (1yr intro rate, up to $250k) 0.86% ongoing rate	MMA - Account review
The Vanguard Group Brokered CD	1.30% 6-month non-callable CD	Issued by BoC, SMB*
Fidelity Brokered CD	1.30% 6-month non-callable CD	Issued by BoC, SMB*
The Palladian PrivateBank	1.30% Savings Account promo 6-month rate ($10K min/$500K max)	See review
HSCB	1.25% Promo Premier Savings (rate guaranteed through 8/31/17)	See review
Salem Five Direct	1.25% eOne Savings (rate guarantee through 7/1/18)	See review
EverBank	1.21% (1yr intro rate, up to $250k) 0.71% ongoing rate	Checking - Account review

Noteworthy Local Deals - Under 1-Year CDs

Citizens Community Credit Union	1.55% 280 to 912 Days Lifestyle CD	NE North Dakota See review
Maine Highlands Credit Union	1.51% 6-month IRA Certificate	Piscataquis County and 12 central Maine communities See review
Blue Gate Bank	1.51% ($25k) MMA (rate guarantee through 1/31/2018	Southern California See review
United Bank	1.36% Online Advantage MMA (6-month rate guarantee)	25 states See review
Wright-Patt Credit Union	1.32%($100k) 6-22 month Share Certificate	10 Ohio counties See review
Triangle Credit Union	1.30% 9-month CD Special	5 NH and 4 MA counties See review
EastBank	1.25% 7-month Special CD	NYC See review
Providence Bank	1.25% 9-month CD Special	Missouri and southwest Illinois See review
Synergy Bank, SSB	1.20% 10-month CD Special ($10k	Dallas/Fort Worth area

1-Year CD Rates

AgFed Credit Union	1.85% ($1k) 30-month No Penalty CD	One withdrawal may be made during the original term with no penalty
Advancial	1.78% ($50k) 1-year Jumbo Certificate	Easy membership Account review
Crestmark Bank	1.70%($100k), 1.45 ($25k) 12-month CD	Account review
Pacific National Bank	1.60% 12-month CD	See review
TIAA Direct	1.60% 12-month CD	Internet bank See review
EverBank	1.60% 1-year Yield Pledge CD	Internet bank See review
Popular Direct	1.60% ($10k) 1-year Popular Direct CD	Internet bank See review
First Internet Bank	1.57% 12-month CD	Internet bank See review
Air Force Federal Credit Union	1.56% 1-year Share Certificate	Easy membership Account review
VirtualBank	1.56% ($10k)12-month eCD	Internet bank See review
KS StateBank	1.55% ($100k) 1-year Jumbo CD Internet Only Special	See review
State Bank of Texas	1.55% ($100k) 1.45% ($25k) 12-month CD	See review
My e-BAnC by BAC Florida Bank	1.55% ($100k) 12-month Jumbo Time Deposit	See review
Amboy Direct	1.51% ($10k min/$250k max) 12-month eSavings CD	See review
Northwest Federal Credit Union	1.51% ($250k), 1.41% ($100k) 1-year CD	Easy membership See review
Service Credit Union	1.50% 11-month Certificate Special	Limited membership See review
SallieMae Bank	1.50% 12-month CD	Account review
BankDirect	1.50% ($10k) 12-month CD	Account review
Ally Bank	1.50% ($25k), 1.25% ($5k) 11-month No Penalty CD	Internet bank See review
The Vanguard Group Brokered CD	1.50% 1-year non-callable CD	Issued by BoC*
Fidelity Brokered CD	1.50% 1-year non-callable CD	Issued by BoC*

Noteworthy Local Deals - 1-Year CDs

Red Rocks Credit Union	2.00% ($100k), 1.75% ($50k), 1.50% ($10k) 12-month Share Certificate	Colorado See review
First National Bank	1.75% ($10k) 13-month CD Special w/checking	MD, NC, OH, PA, SC, and WV See review
Island Federal Credit Union	1.75% 11-month Certificate Special	Long Island, NY See review
First Bank & Trust	1.73% ($100k) 14-month Jumbo CD Special	Chicago See review
Mutual Federal Bank	1.71% 11-month Certificate Special	Chicago metro area See review
Texas Exchange Bank	1.61% ($10k) 12-month New Money CD	Texas See review
Mercantil Commercebank	1.61% 12-month Online Smart CD	Florida and Texas See review
P1FCU	1.61% 12-month Share Certificate Special	11 Idaho and 2 Washington counties
Bankers Trust Company	1.60% (base rate) 10-month Promotional CD	Cedar Rapids/Des Moines, IA and Phoenix, AZ See review
Frankenmuth Credit Union	1.60% 13-month CD Special	Michigan See review
Northfield Bank	1.60% 14-month CD	Northern New Jersey and NYC See review
Member One Federal Credit Union	1.60% ($25k) 14-month CD	Southwest Virginia See review
IC Federal Credit Union	1.59% 1-year Relationship CD Special	6 Massachusetts counties See review
Pioneer Federal Credit Union	1.55% 13-month CD Special	13 SW Idaho counties See review
AmeriCU	1.55% ($100k) 12-month Jumbo Partner Certificate	9 Upstate New York Counties See review
General Electric Credit Union	1.55% ($100k) 1-year Jumbo CD	Southwest Ohio
Bayer Heritage Federal Credit Union	1.51% 12-23 month Share Certificate	Portions of OH, SC, WV; Bayer Corporation employees See review
Seasons Federal Credit Union	1.51% 14-month Featured Certificate	Middlesex County, CT See review

18-month CD Rates

Veridian Credit Union	1.91% 15-month Jumbo CD ($100k)	Easy membership See review
Advancial	1.89% ($50k) 18-month Jumbo Certificate	Easy membership Account review
AgFed Credit Union	1.85% ($1k) 30-month No Penalty CD	One withdrawal may be made during the original term with no penalty
Veridian Credit Union	1.81% 15-month CD Special	Easy membership See review
Crestmark Bank	1.75% ($100k), 1.50% ($25k) 18-month CD	Account review
Atlantic Stewardship Bank	1.70% Special 20-month Power CD	Account review
Popular Direct	1.70% ($10k) 18-month Popular Direct CD	Internet bank
TIAA Direct	1.67% 18-month CD	Internet bank See review
EverBank	1.67% 1.5-year Yield Pledge CD	Internet bank See review
Ally Bank	1.64% (2.25% High Yield 5-Year CD closed after 18 months)	See review
EBSB Direct	1.61% 19-month CD	Internet bank See review
NASA Federal Credit Union	1.60% 15-month CD Special	Easy membership See review
Northpointe Bank	1.60% 15-month CD Special	See review
KS StateBank	1.60% ($100k) 18-month Jumbo CD Internet Only Special	See review
Fidelity Brokered CD	1.60% 18-month non-callable CD	Issued by ALLY, BoH, CB, CCB, EBSB, GSB, FBPR, MBFB*
Signal Financial Federal Credit Union	1.60% (2.40% 60-month CD closed after 18 months)	Easy membership requirements
The Vanguard Group Brokered CD	1.40% 18-month non-callable CD	Issued by WFB*

Noteworthy Local Deals - 18-Month CDs

Cedar Falls Community Credit Union	2.01% 15-month Jumbo Certificate	7 Iowa counties See review
University of Iowa Community Credit Union	2.00% ($250k), 1.90% ($100k), 1.80k ($1k) 16-month CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
PathFinder Bank	1.80% 17-month Fall CD Special	14 central New York counties See review
First United Credit Union	1.80% 18-month CD Special (checking relationship)	23 West Michigan counties See review
Members Choice Credit Union	1.80% ($50k),1.70% ($500) 18-month CD Special	Houston, Texas area See review
Washington Trust	1.80% 18-month CD w/checking	Rhode Island, Connecticut, Massachusetts See review
Republic Bank	1.80% 19-month CD	Chicago metropolitan area See review
Wright-Patt Credit Union	1.77%($100k),1.67% ($500) 19-month Share Certificate Exclusive	10 Ohio counties See review
Old Missouri Bank	1.76% 19-month CD	Missouri See review
National Bank of New York City	1.75% 18-23 month CD	NYC, Long Island, Westchester See review
Georgetown Bank	1.75% ($10k) 18-month Classic CD Special	Massachusetts and southern New Hampshire See review
Ion Bank	1.75% 19-month CD Special w/checking	Connecticut See review
ConnectOne Bank	1.71% 15-month Personal CD Special	New Jersey and New York See review
Collins Community Credit Union	1.71% ($250k), 1.66% ($100k), 1.61% ($50k) 15-month CD Special	38 eastern Iowa counties See review
Hanover Community Bank	1.70% 15-month CD	NYC metropolitan area See review
Michigan Schools and Government Credit Union	1.70% 18-month CD	Michigan's Lower Peninsula See review
First United Credit Union	1.70% 18-month CD Special	23 West Michigan counties See review

2-Year CD Rates

Veridian Credit Union	2.02% 25-month Jumbo CD ($100k min)	Easy membership
Advancial	2.00% ($50k) 2-year Jumbo Certificate	Easy membership Account review
USAlliance Financial	2.00% 25-month Certificate	Easy membership Account review
Veridian Credit Union	1.91% 25-month Special CD	Easy membership
AgFed Credit Union	1.85% ($1k) 30-month No Penalty CD	One withdrawal may be made during the original term with no penalty
InsBank	1.85% 23-month CD	See review
Popular Direct	1.85% ($10k) 2-year Popular Direct CD	Internet bank See review
GiftsforBanking.com	1.85% ($25k) 2-year CD Gifts	Internet bank See review
Crestmark Bank	1.85% ($100k), 1.60% ($25k) 24-month CD	Account review
First Internet Bank	1.81% 24-month CD	Easy membership See review
TIAA Direct	1.81% 24-month CD	Internet bank See review
EverBank	1.81% 2-year Yield Pledge CD	Internet bank See review
VirtualBank	1.81% ($10k) 2-year eCD	Internet bank See review
Signal Financial Federal Credit Union	1.80% 24-month Bump-Up CD	Easy membership Account review
Air Force Federal Credit Union	1.80% 2-year Share Certificate	Easy membership Account review
Signal Financial Federal Credit Union	1.80% (2.40% 60-month CD closed after 2 years)	Easy membership requirements
Ally Bank	1.79% (2.25% High Yield 5-Year CD closed after 2 years)	See review
KS StateBank	1.78% ($100k) 2-year Jumbo CD Internet Only Special	See review
SallieMae Bank	1.77% (60-month CD closed after 2 years)	Account review
Northwest Federal Credit Union	1.76% ($250k), 1.66% ($100k) 2-year CD	Easy membership See review
Bethpage Federal Credit Union	1.75% 25-month Certificate	Easy membership See review
Fidelity Brokered CD	1.75% 2-year non-callable CD	Issued by FBPR*
The Vanguard Group Brokered CD	1.75% 2-year non-callable CD	Issued by CCB*
Nationwide Bank	1.75% ($100k), 1.70% ($500) 24-month CD	Internet bankSee review

Noteworthy Local Deals - 2-Year CDs

Red Rocks Credit Union	2.25% ($100k), 2.00% ($50k), 1.75% ($10k) 24-month Share Certificate	Colorado See review
Adventure Credit Union	2.05% 23-month CD Special	11 west Michigan counties See review
Collins Community Credit Union	2.01% ($250k), 1.96% ($100k), 1.91% ($50k) 28-month CD Special	38 eastern Iowa counties See review
Primary Bank	2.00% 2-year Anniversary CD	New England See review
Truity Credit Union	2.00% 23-month CD Special	Parts of Oklahoma, Arkansas, Kansas See review
Ferguson Federal Credit Union	2.00% 24-month CD Special	12 southwest Mississippi counties See review
Bank of Sun Prairie	2.00% ($10k) 24-month CD Promotion	Wisconsin See review
TCF Bank	2.00% 26-month Promotional CD	AZ, CO, IL, MI, and WI See review
First Federal Credit Union	2.00% 29-month CD Special	Linn County, Iowa See review
Hanover Community Bank	1.85% 29-month CD	Nassau, Suffolk, Queens, and Kings Counties, New York See review
Greater Iowa Credit Union	1.81% 22-month CD Special	33 Iowa counties See review
Westerra Credit Union	1.80% ($10k) 25-month Bump-Up/Add-On CD	7 Colorado counties See review
Pioneer Federal Credit Union	1.80% 25-month CD Special	13 SW Idaho counties See review
Sandy Spring Bank	1.80% ($10k) 27-month Premier CD Special	Maryland and Northern Virginia See review

3-Year CD Rates

USAlliance Financial	2.17% 36-month Certificate	Easy membership Account review
Veridian Credit Union	2.17% ($100k) 39-month Jumbo Special CD	Easy membership See review
Advancial	2.11% ($50k) 3-year Jumbo Certificate	Easy membership Account review
Service Credit Union	2.05% 30-month CD Special	Military relationship See review
Veridian Credit Union	2.01% ($1k) 39-month Special CD	Easy membership See review
Signal Financial Federal Credit Union	2.01% (2.40% 60-month CD closed after 3 years)	Easy membership requirements
INOVA Federal Credit Union	2.00% 30-month Certificate	EMR See review
Salem Five Direct	2.00% 36-month eCD	See review
Connexus Credit Union	2.00% 36-month Share Certificate	Easy membership (Added to Summary on 3/30) See review
TIAA Direct	2.00% 36-month CD	Internet bank See review
EverBank	2.00% 3-year Yield Pledge CD	Internet bank See review
GS Bank	2.00% 3-year CD
Kinecta Credit Union	2.00% ($100k) 30-month Jumbo Share Certificate	Easy membership See review
Crestmark Bank	2.00% ($100k), 1.75% ($25k) 36-month CD	Account review
KS StateBank	1.98% ($100k) 3-year Jumbo CD Internet Only Special	See review
SallieMae Bank	1.97% (60-month CD closed after 3 years)	Account review
M.Y. Safra Bank	1.96% 36-month Online Promo CD	See review
Hope Federal Credit Union	1.96% ($95k) 36-month Jumbo Share Certificate
Ally Bank	1.95% (2.25% High Yield 5-Year CD closed after 3 years)	See review
Fidelity Brokered CD	1.95% 3-year non-callable CD	Issued by BCB*
First Internet Bank	1.94% 36-month CD	Easy membership See review
iGObanking	1.90% 36-month iGOCD	See review
Popular Direct	1.90% ($10k) 3-year Popular Direct CD	Internet bank
AgFed Credit Union	1.85% ($1k) 30-month No Penalty CD	One withdrawal may be made during the original term with no penalty
The Vanguard Group Brokered CD	1.85% 3-year non-callable CD	Issued by AMEX CB, AMEX FS, COBNA, COBUSA, GSB*

Noteworthy Local Deals - 3-Year CDs

University of Iowa Community Credit Union	2.60% ($250k), 2.50% ($100k), 2.40% ($1k) 35-month CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
InvesTex Credit Union	2.25% 3-year Promo Rate CD	North Houston, Texas area See review
Triangle Credit Union	2.25% 35-month CD Special	5 NH and 4 MA counties See review
Primary Bank	2.25% 3-year CD	New Hampshire See review
East Boston Savings Bank	2.21% 30-month CD	Boston metropolitan area See review
Farmers State Bank	2.15% 39-month CD	3 NE Iowa counties See review
BTH Bank	2.10% 30-month Worry-Free CD	Texas See review
Mercantil Commercebank	2.10% 36-month Online Smart CD	Florida and Texas See review
Citadel	2.10% 36-month CD Special	5 southeast Pennsylvania counties See review
Perpetual Federal Savings Bank	2.07% 36-month CD	Central Ohio See review
Firelands Federal Credit Union	2.06% 36-month Promotional Certificate	5 northcentral Ohio counties See review
First Ipswich Bank	2.05% 30-month CD Special	Massachusetts' North Shore and Cape Ann See review
1st Gateway Credit Union	2.05% 40-month CD Special	Eastern Iowa, Western Illinois
Haverhill Bank	2.02% 36-month CD	NE Massachusetts and nearby New Hampshire See review
VITAL Federal Credit Union	2.01% 36-month CD	Spartanburg County, South Carolina See review
American United Federal Credit Union	2.00% 36-month Share Certificate (bump rate or 0.10% rate increase)	Salt Lake and Tooele Counties, Utah See review
Grow Financial Federal Credit Union	2.00% 30-36 month Share Certificate	EMR in FL, NC, SC; military relationship See review
Vibrant Credit Union	2.00% 33-month CD Special	Iowa, Illinois Quad Cities area
Fairport Savings Bank	2.00% 35-month CD Special	New York State See review

4-Year CD Rates

Hanscom Federal Credit Union	2.50% 48-month Certificate w/Premier Checking	Easy membership See review
Advancial	2.29% ($50k) 4-year Jumbo Certificate	Easy membership Account review
American Heritage Federal Credit Union	2.26% 48-month Share Certificate	EMR See review
NASA Federal Credit Union	2.25% 49-month CD Special
Capitol Federal Savings Bank	2.25% 50-months Traditions CD Special	See review
USAlliance Financial	2.22% 348-month Certificate	Easy membership Account review
TIAA Direct	2.16% 48-month CD	Internet bank See review
EverBank	2.16% 4-year Yield Pledge CD	Internet bank See review
Northern Bank Direct	2.15% 48-month CD	Internet bank See review
Latino Credit Union	2.15% 48-month CD	Easy membership See review
Third Federal Savings and Loan	2.15% 49-month CD Special	See review
Signal Financial Federal Credit Union	2.12% (2.40% 60-month CD closed after 4 years)	Easy membership requirements
Mountain America Credit Union	2.10% 4-year Term Deposit	Easy membership
Fidelity Brokered CD	2.10% 4-year non-callable CD	Issued by AMEX FS, AMEX CB, BMW, CCB, COBNA, COBUSA*
First Internet Bank	2.07% 48-month CD	Internet bank See review
Melrose Credit Union	2.07% 4-year Share Certificate	Currently operating under an NCUA conservatorship
SallieMae Bank	2.07% (60-month CD closed after 4 years)	Account review
Crestmark Bank	2.05% ($100k), 1.80% ($25k) 48-month CD	Account review
M.Y. Safra Bank	2.05% 48-month Online Promo CD	See review
Ally Bank	2.03% (2.25% High Yield 5-Year CD closed after 4 years)	See review

Noteworthy Local Deals - 4-Year CDs

InvesTex Credit Union	2.50% 4-year Promo Rate CD	North Houston, Texas area See review
Institution for Savings	2.50% ($250k) 4-year Money Market CD (also requires $250K in MMA)	Parts of Massachusetts
Tech Credit Union	2.43% ($100k) 50-month Jumbo Compound CD	4 NW Indiana and 2 NE Illinois counties See review
Pelican State Credit Union	2.41% 48-month CD	Rapides Parish, LA; EMR in AR, LA, MS, TX See review
Jefferson Financial Credit Union	2.38% ($10k) 48-month Share Certificate	4 Louisiana Parishes See review
Deere Employees Credit Union	2.35% 48-month Share Certificate	Employees and retirees of Deere & Company See review
IH Mississippi Valley Credit Union	2.32% 48-month CD	18 Illinois and 10 Iowa counties See review
Tech Credit Union	2.30% 50-month Premium Compound CD	4 NW Indiana and 2 NE Illinois counties See review
Bayer Heritage Federal Credit Union	2.28% 48-59 month Share Certificate	Portions of OH, SC, WV; Bayer Corporation employees See review
Perpetual Federal Savings Bank	2.28% 48-month CD	Central Ohio See review
Pioneer Valley Credit Union	2.27% 49-month Share Certificate Special	Easy membership requirement in CT, MA, NH, NY, RI, VT See review
ASI Federal Credit Union	2.27% 48-month CD	Greater New Orleans metro area See review

5-Year CD Rates

Mountain America Credit Union	2.60% 5-year Term Deposit	Easy membership
United States Senate Federal Credit Union	2.55% ($60k), 2.49% ($20k), 2.43% ($1k) 60-month CD	Easy membership
Langley Federal Credit Union	2.53% (w/Active Rewards), 2.43% (w/o Active Rewards) 60-month CD	Easy membership Account review
Advancial	2.49% ($50k) 5-year Jumbo Certificate	Easy membership Account review
State Bank of India (IL)	2.48% ($50k) 5-year Senior CD
Popular Direct	2.45% ($10k) 5-year Popular Direct CD	Internet bank
Hope Federal Credit Union	2.43% ($95k) 60-month Jumbo Share Certificate
Melrose Credit Union	2.42% 5-year Share Certificate	Currently operating under an NCUA conservatorship
GS Bank	2.40% 5-year CD
Signal Financial Federal Credit Union	2.40% 60-month CD	Easy membership Account review
Utah First Federal Credit Union	2.40% 60-month CD	Easy membership See review
State Bank of India (IL)	2.38% 5-year CD
Michigan State University Federal Credit Union	2.38% ($100k) 5-year Jumbo CD	Easy membership Account review
SallieMae Bank	2.35% 60-month CD	Account review
Synchrony Bank	2.35% ($25k), 2.30% ($2k) 60-month CD	Internet bank See review
Fidelity Brokered CD	2.35% 5-year non-callable CD	Issued by CCB*
GTE Financial	2.32% 60-month Certificate	Easy membership Account review
First Internet Bank	2.30% 60-month CD	Easy membership See review
TIAA Direct	2.30% 60-month CD	Internet bank See review
EverBank	2.30% 5-year Yield Pledge CD	Internet bank See review
The Vanguard Group Brokered CD	2.30% 5-year non-callable CD	Issued by AMEX CB, AMEX FS*

Noteworthy Local Deals - 5-Year CDs

InvesTex Credit Union	2.75% 5-year Promo Rate CD	North Houston, Texas area See review
Kemba Credit Union	2.75% 66-month Special CD	14 SW Ohio, 8 Northern Kentucky, and 2 SE Indiana counties See review
First Bank of Tennessee	2.62% 60-month Quarterly COD	Tennessee See review
Pelican State Credit Union	2.61% 60-month CD	Rapides Parish, LA; EMR in AR, LA, MS, TX See review
American United Federal Credit Union	2.60% 60-month CD (includes 0.10% rate increase)	Salt Lake and Tooele Counties, Utah See review
Cyprus Credit Union	2.60% 60-month CD and Dream CD	Utah See review
Shell Federal Credit Union	2.60% ($50k), 2.55% ($50) 60-month Share Certificate	Harris County, Texas See review
Jefferson Financial Credit Union	2.58% ($10k) 60-month Share Certificate	4 Louisiana Parishes See review
Wasatch Peaks Credit Union	2.55% 60-month CD	3 Utah countiesSee review
America First Credit Union	2.55% 60-month Regular Certificate	5 Utah, 2 Arizona, 2 Nevada counties See review
Achieva Credit Union	2.55% ($75k) 60-month IRA Plus	10 Florida counties See review
Indiana Members Credit Union	2.53% 60-month CD	Central Indiana Account review
Bayer Heritage Federal Credit Union	2.53% 60-month Share Certificate	Portions of OH, SC, WV; Bayer Corporation employees See review
ASI Federal Credit Union	2.53% 60-month CD	Greater New Orleans metro area See review
SouthEast Bank	2.51% 60-month CD Special	East and Middle Tennessee See review
Idaho Central Credit Union	2.50% 60-month Promo CD	27 Idaho and 1 Nevada counties See review
University Federal Credit Union	2.50% 60-month CD	Salt Lake County, Utah See review
General Electric Credit Union	2.50% 5-year CD	Southwest Ohio
Bank of Utica	2.50% 5-year CD	Utica, NY area
Utah Community Credit Union	2.50% 60-month Regular CD	Juan, Sanpete, Salt Lake, and Wasatch Counties, Utah See review
Granite Credit Union	2.50% 60-month Certificate	Salt Lake County, Utah See review

Over 5-Year CD Rates

Fidelity Brokered CD	2.60% 10-year non-callable CD	Issued by DIS, GSB*
Apple Federal Credit Union	2.60% 120-month CD
The Vanguard Group Brokered CD	2.60% 10-year non-callable CD	Issued by GSB*
The Vanguard Group Brokered CD	2.50% 7-year non-callable CD	Issued by DIS*
GS Bank	2.45% 6-year CD
Fidelity Brokered CD	2.45% 7-year non-callable CD	Issued by DIS, FBHP, GSB*
KS StateBank	2.40% 7-year CD	See review
Northrop Grumman Federal Credit Union	2.38% ($40k) 84-month Bonus Term CD	Easy membership
Discover Bank	2.35% 10-year CD
Elements Financial	2.30% 10-year CD	Easy membership
Apple Federal Credit Union	2.25% 84-month CD
PenFed Credit Union	2.22% 7-year Money Market Certificate	Easy membership See review
Andrews Federal Credit Union	2.20% 84-month Share Certificate	See review
Elements Financial	2.15% 7-year CD	Easy membership
Navy Federal Credit Union	2.15% ($100k), 2.10% ($1k) 7-year CD	Military relationship See review

Noteworthy Local Deals - Over 5-year CDs

Indiana Members Credit Union	3.04% 84-month CD	Central Indiana Account review
PeoplesChoice Credit Union	3.04% 120-month CD	York and Cumberland Counties, Maine
EFCU Financial	2.75% 84-month Super 7 Variable Rate CD	9 Louisiana parishes Account review
Black Hills Federal Credit Union	2.70% ($200k) 7-8 year Ultimate CD (w/checking)	South Dakota See review
Sharefax Credit Union	2.68% ($15k) 80-month Gold Share Certificate	Southwestern Ohio
Credit Human (formerly San Antonio Federal Credit Union)	2.60% 10-year Share Certificate	San Antonio, TX
Appalachian Community Credit Union	2.57% 72-month Share Certificate	5 TN, 3 VA, 4 KY counties See review
Indiana Members Credit Union	2.53% 84-month CD	17 Central Indiana counties See review
Citizens Bank Minnesota	2.52% 96-month Share Certificate	Southern Minnesota
MidFirst Direct	2.50% 84-month CD	AZ, AR, CA, CO, FL, MO, NH, NV, NY, OK, TX, WY See review
Financial Center First Credit Union	2.50% 84-month Share Certificate	10 central Indiana Counties (greater Indianapolis)
Island Federal Credit Union	2.50% 84-month Certificate	Nassau and Suffolk Counties, NY See review
First National Bank (PA)	2.45% 10-year CD Special ($10k)	PA, MD, OH, WV

*ALLY (Ally Bank), AMEX CB (American Express Centurion Bank), AMEX FS (American Express Federal Savings), BCB (Barclays Bank), BoC (Bank of China), BoH (Bank of Hope), BotW (Bank of the West), CB (Cathay Bank), CCB (Comenity Capital Bank),COBNA (Capital One Bank NA), COBUSA (Capital One Bank USA), DIS (Discover Bank), EBSB (East Boston Savings Bank), FBHP (First Bank Highland Park), FBPR (Firstbank Puerto Rico), GSB (GS Bank), MBFB (MB Financial Bank), SMB (SallieMae Bank), WFB (Wells Fargo Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

USAlliance Financial

2.28% 36-month Cooperative Rewards CD

Easy membership Account review

CDs Removed, No Longer Available - Local

Argentine Federal Savings	2.25% 7-month CD Special	Kansas City metro area See review
Coastal Heritage Bank	1.25% 9-month CD	Massachusetts' South Shore
CenterBank	1.70% 17-month Anniversary Special CD	Greater Cincinnati area See review
University of Iowa Community Credit Union	2.20% ($250k), 2.10% ($100k), 2.00% ($1k) 26-month CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
Blue Hills Bank	2.00% 23-month Bump Up CD Promo	Boston area See review
Blue Hills Bank	2.50% 59-month Bump Up CD Promo	Boston area See review

CDs Removed, Rate Too Low - National

GTE Financial	1.76% 36-month Certificate	Easy membership Account review
GTE Financial	2.02% 48-month Certificate	Easy membership Account review
Synchrony Bank	2.00% ($2k) 48-month CD	Internet bank See review
Bay State Savings Bank	2.00% 48-month CD
Popular Direct	2.00% ($10k) 4-year Popular Direct CD	Internet bank
MutualOne Bank	2.27% 61-month CD	See review
Ally Bank	2.25% 5-year High Yield CD	Internet bank See review

CDs Removed, Rate Too Low - Local

TCF Bank	1.50% 13-month Promotional CD	AZ, CO, IL, MI, and WI See review
West Town Bank & Trust	1.50% Personal Classic Checking (rate guarantee for one year)	Chicago metro area and Eastern North Carolina See review
First Community Credit Union	0.90% 24-month CD	5 MO and 3 IL counties, City of St. Louis See review
Cornerstone Financial Credit Union	1.30% ($50k) 36-month Super Jumbo Certificate	EMR in Tennessee and Kentucky See review
Cornerstone Financial Credit Union	1.25% ($25k) 36-month Jumbo Certificate	EMR in Tennessee and Kentucky See review
Bayer Heritage Federal Credit Union	1.77% 36-47 month Share Certificate	Portions of OH, SC, WV; Bayer Corporation employees See review

deplorable 1 | Sep 13, 2017 | Comment #1

Nice to see Popular Direct raising the 5 year CD. I'm still holding off on anything above 3 years for now until I see how things shake out. The banks could easily afford to give 5% on capped CD's. I think they want to have people lock up long term CD's at ultra low rates just before they hike them. Eventually they will have to raise longer term CD's as long as there is upward pressure on rates.

4USA | Sep 13, 2017 | Comment #5

More wishful thinking. The new normal top rate is 3%, not 5%. The economy and monetary policy is based on DEBT. not savings. If you want to tank the economy and create a real depression raise the rates to a point where you kill home loans, car loans and every other credit stream that keeps modern society humming along...headed for the cliff no doubt, but that's a topic for another day. It's a DEBTORS world, something the average saver just cannot wrap their brains around. Besides, up to a certain age one should be a conservative investor and then transition to saver mode as old age arrives. Capital growth (7-10% annually) followed by capital preservation (just beat inflation).

deplorable 1 | Sep 14, 2017 | Comment #6

Funny how this "new normal" and "debtors world" only came about after 8 years of the Obama administration. Before that 5% was the norm. Funny how young people don't have a memory past the last 8 years. My first mortgage was 7.25% and I survived. My parents had one @10%. There are plenty of people who will pay high interest rates for all types of loans just look at car loans, construction loans, corporate loans and credit card debt. No the economy will not shut down from a few rate hikes it never has and never will. Why do you wrongly assume that I don't have investments as well as CD's and bank accounts? I have individual stocks, bond funds, REIT's, CEF's and mutual funds some of which are paying up to 20% dividend yields. I just like to have a portion of my money safe from the ups and downs of the stock market. I actually have some 5% FDIC insured capped savings accounts right now. I used to beat inflation just with interest in every year that Obama was not president. I guess I'm still beating inflation if you count the interest I make off of the bank's money with 0% no fee credit card balance transfers.

Bozo | Sep 14, 2017 | Comment #7

Deplorable 1 (re comment #6), it has been a very depressing couple of months trying to find a home for an after-tax CD which matured in late July. I finally threw in the towel and bought a CD from a brokerage. The effective rate (after float and fees) pretty much matches inflation, and the term is relatively short (11 months), but it's like treading water. The only folks who make out like bandits are the US Treasury, since it's a taxable CD. Ah, the price we pay for capital preservation.

Bozo | Sep 14, 2017 | Comment #8

Moving right along (re my comment #7), cynics might say we are already into negative interest rates, when inflation and taxes are factored into the equation. Really hard to make a real return on fixed-income these days. Nobody wants or needs our (retail) money.

I think I shared the anecdote of a year or so back. I was in conversation with my local banker, and asked why CD rates were so horrid. She quite candidly said "you're retail money; we can obtain funds for lending purposes wholesale". So, I replied, "why offer any rates above 2% at all?" She candidly replied, "to draw in new money for cross-marketing." Not surprisingly, folks with new deposit accounts also might have home mortgages, car loans, and credit cards. New money. Regrettably, we're "old money".

Paid off our mortgage, no car loans, credit card paid in full each month. To a bank or credit union, we're not exactly a "target-rich environment".

deplorable 1 | Sep 14, 2017 | Comment #12

@Bozo: So what was the best rate you could get on a brokered CD? If I can't find a good CD rate I just start working a few new bank bonuses. I have been able to get from $100-$500 in bonuses from time to time which have had the equivalent of a 10% return for the 6 months or so I had to tie up the cash. Doctor of credit and hustler money blog have some decent bank bonus lists that are nationally available. Just look for the ones that don't require direct deposit unless you don't mind the hassle. Some local deals are good as well. There is a Huntington $200 checking account bonus that I do once a year. Citibank had a nice $400 bonus last year. Locking cash up at a low rate for 7 years just doesn't work for me as I like to "hustle and flow" as Obama would say. I look at making money with my money as a job where I get to determine my hours and success based on effort.

Bozo | Sep 14, 2017 | Comment #16

Deplorable 1 (re comment #12), the 11 month MS with a stated rate of 1.9% After float and fees, the effective rate was less. I admire your willingness (and ability) to chase down those balance transfers and other bonuses. But, as you note, that's a "job". I'm retired.

deplorable 1 | Sep 14, 2017 | Comment #20

Well Bozo I used to work a physical job in a hot shop for as much as 18 hours a day on my feet so I don't consider sitting in a comfortable chair on the computer in air conditioning much in the way of work. You have to keep the brain active as you get older anyway or you might turn into a senile old liberal or something.

Bozo | Sep 15, 2017 | Comment #21

Deplorable 1, "senile old liberal" sorta nailed it. Or something (maybe senile old conservative). Isn't it ironic I'm a lifelong, registered, Republican (in a very blue district in a very blue state), and yet my views in many parts of the country would be deemed tilting left. I keep my brain active reading the New York Times (delivered each day, the print edition), then checking out the Washington Post on-line edition. I then peruse the Economist, and Bloomberg. Maybe I'm a RINO.

deplorable 1 | Sep 15, 2017 | Comment #28

It's that liberal New York Times Bozo! That stuff will rot your brain. The reason Trump calls the media "fake news" is because of the liberal slanted reporting of the news. It's not just what they report it's "HOW" they report it or what they intentionally leave out or fail to report.

Bozo | Sep 16, 2017 | Comment #31

Deplorable 1 (re comment #28). Funny, but true, story. I went back to Leawood, Kansas, back in 2010, to help care for my Mom, who was in a nursing home. Every morning, I'd go out for my walk, and notice which driveways had newspapers, and which did not, and the color of the wrappings. It was pretty obvious who did not read a newspaper, who did, and what they read. The New York Times was invariably wrapped in blue. I suspect the delivery person for the NYT in Leawood had one paper per mile, on average. I would agree, the NYT is a very "coastal" publication. But it is still the gold standard for journalism.

Bozo | Sep 16, 2017 | Comment #32

Further to my comment #31, my main criticism of the NYT is the printing plant here on the left coast. They have gone to this cheap paper which curls. Often, the pages are truncated, or the printing itself is illegible. Then, of course, there's the issue of no home delivery at all. We call the toll-free number, are assured our paper will be delivered, with no result.

Note to the NYT, all I want in the morning is a paper, a cup of coffee, and a nice easy chair.

deplorable 1 | Sep 16, 2017 | Comment #37

@Bozo: My wife subscribes to our local paper for the Sunday coupons. Almost every other Sunday she has to call and threaten to leave just to get the paper delivered so it's not just you. You can at least read the print though. I find reading articles on a 27" monitor easier although there is something to be said for the tactile feel of a paper or a book. Too bad there is no such thing as a paper written from a conservative perspective. The letters to the editor can be pretty good though.

Bozo | Sep 16, 2017 | Comment #38

Deplorable 1 (re comment # 37), home delivery is seriously funny. I always joke with my wife, "good luck", when she goes out to search for the morning papers. I do love the concept of "tactile feel".

Bozo | Sep 16, 2017 | Comment #39

The next time the folks don't deliver our papers, I'll remind them of the loss of "tactile feel".

Att | Sep 14, 2017 | Comment #10

I'm a saver but also have a mortgage with a 3.25% rate. My 1st home had an 8.5% SONYMA mortgage and the going rate at the time was 10.5%. So I'm getting some of the advantages of lower rates and also getting lower rates on my savings.. I do have income investments and some tax free that pay above my mortgage rate.

deplorable 1 | Sep 14, 2017 | Comment #11

@Att: Just wait until you have your mortgage paid off and you can't find a decent return on your savings. Low mortgage rates are great when you are first starting out but for the rest of us they are meaningless.

Att | Sep 14, 2017 | Comment #13

You say the rest of us but can you speak for everybody on this site? I'm in my early 50's. Other people on this site may have mortgages, still work (Like me) and maybe even younger than me. I have many investments in various vehicles. I still have 13 years on my mortgage and have no plans to pay it off early. I'm saving for my kids education via 529's and happy with the amounts saved. I also get a state tax break up to 10K on my income tax when I make deposits to their accounts.

I consider myself somewhat conservative with my investments and have a large percentage in CDs and muni bonds.

With rates I try to find the deals on this site. The best one was with Penfed around 2010. They had a 5% CD for 10 years. I was able to fund it with a large sum and even used funds with a CD I closed and paid an EWP. Have I made mistakes investing? Sure but I'm mostly conservative with my diverse portfolio.

deplorable 1 | Sep 14, 2017 | Comment #17

@Att: I meant those of us with no mortgage debt. I never planned on paying my mortgage off early as I was earning 6-7% in savings with a 5.875% mortgage. Then came 0% interest rates and paying off the mortgage suddenly looked like a real smart move. I actually paid off my mortgage with a 0% no fee balance transfer for 21 months in order to spread it out a bit. With 0% no fee balance transfers and 0% 5-7 year auto loans available I don't think I will ever pay interest on a loan again. I mean why would I when I can borrow for free as long as I maintain a good credit score. So yeah I'm in the raise the interest rates on savings camp after a decade of low rates I think savers deserve a break for a change. Us savers have basically continued to bail out the banks from the housing crisis with lost interest on savings. We are the folks who paid our taxes(which went to bail out the banks) and our mortgages in full and on time yet have been punished while debtors and non payers have been rewarded with mortgage write downs and lower interest rates via the HARP program and others.

Att | Sep 15, 2017 | Comment #27

I'm a saver too but I doubt we will see decent rates again. I don't think The US economy will be as strong as it once was. Many other countries like Japan , Korea and even China are in the forefront of modern technology such as robotics, materials.
Our manufacturing capacities are continually being outsourced to other countries. Our debt is out of control and unfunded liabilities at all government levels are a major concern.

Glad you have mastered using 0% to payoff various debt and create income.

deplorable 1 | Sep 17, 2017 | Comment #41

@Att: I agree with you about other countries being on the forefront of technology. I bought a android smart tv box from China and had it hooked up to a old tube tv almost a decade before the so called "smart tv" came out. Even now the U.S. has nothing that can even come close to a newer unlocked android tv box for free unrestricted content. My first HD tv was a HDTV tuner that connected to my computer monitor via a VGA port from Taiwan way before computer monitors had tv tuners. We seem to get the left over old technology from other countries here and then it is restricted to pay only services vs. free content.

Att | Sep 17, 2017 | Comment #43

I'm talking about more important technologies like robotics and materials even AI. China has a booming robotics development industry that is growing quickly and will be soon equal to the US and Germany. They control the market in rare earth minerals.

mr. labor econ | Sep 15, 2017 | Comment #29

IN FAIRNESS,,,,IF SOMEONE WANTS TO COLLECT CREDIT CARDS,,,CREDIT UNION MEMBERSHIPS, CD'S AND OTHER FDIC PRODUCTS,,,,it's their business and this is the usa where you can do it as the law allows. personally the returns are criminally low, i won't be enticed to spend money to save money AND I NEVER LET SOME SHARP PENCIL TALK ABOUT THE SO CALLED INFLATION RATE, a favorite ploy of investor and wealth management side advisors looking to sell you something, since they live on the comm. INFLATION HITS EVERYONE DIFFERENTLY AND SMART PEOPLE WORK AROUND IT, though food and energy inflation take extra savyness on the part of a wise consumer. PEOPLE ARE PRIMAL COLLECTORS, and most collections depreciate, if your financial products pay off, good for you. that's my story and i'm stickin with it.

grannyluvsshaleoilbonds | Sep 17, 2017 | Comment #40

I like your writing style, mr. labor econ.

mr. labor econ | Sep 17, 2017 | Comment #42

i am the best around these parts….say something new, helpful, pithy or be brilliantly vicious if attacked by a troll stalker and remember don't be redundant and that brevity is the soul of wit.

suckeryoubuddy | Sep 14, 2017 | Comment #14

until the fed hikes the rates,,,,there is no practical reason for wasting time searching for sucker deals and chump specials with outliers and the usual suspect deposit gathering scheme e-banks that are really getting rich off YOU WHALES.....considering their overhead and what they are offering you.....IMO people are so money hungry for a rate they will mouse click to anyone offering a few lousey bips more,,,,to a humble depositor saver iti;s laughable ,,,to a whale,,,AND THAT IS THE FISH THEY ARE AFTER,,,,IT'S A FEW THOUSAND, MAYBE,,,,but they are still suckerin you ,,,,when the e-bank playing field is flat and it's all fdic....what you worry....GO FOR IT!

p.t. barnum | Sep 14, 2017 | Comment #15

i've always believed that there is nothing to stop employees of say,,, JERKWATER STATE BANK in godknowswhere, arkansas, from touting up or shilling up their too good to be true for a limited time only DEELZ with only a half dozen fine print requirements,,,,,,,from commenting all over this domain to drum up business,,,,,kinda like those infomercials that are supposed to be "real ordinary people" with the usual mc pitching softballs to them and the audience. there's one born every minute.

deplorable 1 | Sep 14, 2017 | Comment #19

Well you read the fine print FIRST before you apply and if you don't like it then you skip that one. If you can't be bothered to read then just call the bank and a friendly CSR will be happy to read and explain them to you.

deplorable 1 | Sep 14, 2017 | Comment #18

Those little sucker deals and chump specials as you call them paid off my mortgage 15 years early and added $100,000 to my bank account. You probably think that earning 2-7% in cash back rewards on credit cards is a waste of time too.

Bozo | Sep 15, 2017 | Comment #22

Deplorable 1 (re comment # 18), if you can manipulate the system, you get a big thumbs up. It appears perfectly legal, and just exploits flaws in the "system".

Skeptic | Sep 15, 2017 | Comment #23

#18
As usual no specifics. If it's too good to be true it probably is.

Skeptic | Sep 15, 2017 | Comment #24

not true....

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