CD Rates Summary October 9, 2018

POSTED ON TUESDAY, OCTOBER 9, 2018 BY Ken Tumin

The September jobs report was released Friday. The unemployment rate declined to 3.7% in September, the lowest rate since 1969. However, the number of jobs created in September of 134,000 was below the consensus estimate of 185,000. The report was generally considered strong enough to keep the Fed on track with gradual rate hikes. Economist Tim Duy had this to say about the jobs report in his Fed Watch blog post:

The labor market retained sufficient strength to convince Powell & Co. to stick with the current policy path. Expect more rates hikes in the months ahead as the early reads on the third quarter, primarily October survey data, indicate that the economic momentum continues.

Important inflation data is scheduled for release this week. The Producer Price Index is scheduled for release on Wednesday, and the Consumer Price Index (CPI) is scheduled for a Thursday release. Any unexpected uptick in inflation will encourage the Fed to keep the rate hikes coming. It would also put upward pressure on long-term Treasury yields.

Treasury yields had large gains from last week, with yields reaching multi-year highs. The 10-year note and the 30-year bond had the largest rate increase, rising 16 bps and 17 bps, respectively. This resulted in a wider yield curve. The yield curve as defined by the 10-2 spread (the difference between the yields of the 10-year and 2-year Treasury notes) widened by 10 bps to 33 bps in the last week. This is a good sign for those waiting for higher long-term CD rates.

Treasuries continue to be a competitive alternative to CDs, especially for terms of 2-years and under. They become even more competitive when the tax advantages of Treasuries are considered. For more discussion on the pros and cons of Treasuries Notes compared to CDs, please refer to this DA Forum thread and this DA blog article.

The solid jobs report also impacted the Fed funds futures, which now show an 83.0% chance of a December Fed rate hike, up from 75.9% last week. There were also large increases in the odds for the Fed funds rate to be up by at least 50 bps by next March and up by at least 75 bps by next June.

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

Treasury Yields:

1-month: 2.17% up from 2.14% last week (1.03% a year ago)
6-month: 2.46% up from 2.41% last week (1.22% a year ago)
1-year: 2.65% up from 2.61% last week (1.35% a year ago)
2--year: 2.88% up from 2.82% last week (1.54% a year ago)
5--year: 3.05% up from 2.94% last week (1.97% a year ago)
10-year: 3.21% up from 3.05% last week (2.37% a year ago)
30-year: 3.37% up from 3.20% last week (2.91% a year ago)

Fed funds futures' probabilities of future rate hikes by:

Dec 2018 - up by at least 25 bps: 83.0% up from 75.9% last week
Mar 2019 - up by at least 50 bps: 57.9% up from 43.1% last week
Jun 2019 - up by at least 75 bps: 40.5% up from 26.2% last week

Certificate of Deposit Rates

The above graph shows the rate trends of the average CD rates. These average rates are based on all the rate data that we have collected over the years. This is an interactive graph. You can choose the term of the CDs (from 3 months to 5 years) and the look-back period (from 3 months to 5 years). As you can see in the graph, average CD rates for all terms have increased in the last year, but the largest gains have been on the short-term CDs.

Best Nationally-Available CD Rates

We continue to see new 3%+ CDs with terms under 3 years. Two new nationally-available ones have terms around 18 months. The first is the 19-month CD at MutualOne Bank (3.04% APY). The second is the 16-month Certificate Special at Premier America Credit Union (3.00% APY).

For terms around two years, 3% CDs from two banks and one credit union were added to the nationwide list. The highest rate is the 2-year Senior Citizens CD from State Bank of India (3.03% APY). Only those who are 60 years or older are eligible for the Senior Citizens CDs. ConnectOne Bank is offering a 23-month Online CD (3.00% APY,) and Navy Federal Credit Union is offering a 2-year Certificate (3.00% APY). Navy Federal CDs are available nationwide, but to be eligible for membership, you must have a military connection.

2-year brokered CD rates are fast approaching 3%. Both Fidelity and Vanguard were offering new-issue 2-year brokered CDs from Well Fargo today with a rate of 2.95%.

The top nationally-available 3-year CD rate continues to be 3.35% APY, but there are now two easy-membership credit unions that are offering this. Veridian Credit Union continues to offer its special 41-month Jumbo CD with a 3.35% APY. This requires a $100k minimum deposit. Mountain America Credit Union (MACU) increased its 3-year CD rate for October to 3.35% APY. This requires only a $500 minimum. MACU’s 5-year CD rate also went up for October, but the rate now matches the 3-year rate (3.35% APY).

As in the case for MACU, terms longer than three years don’t provide much yield advantage. The top 4-year CD rate is only 3.35% APY (from a new 45-month Jumbo CD special at Consumers Credit Union). Only one institution is offering a nationally-available 5-year CD rate that’s significantly higher than the top 3-year rate. That’s United States Senate FCU which increased its 5-year CD rates by 10 bps. Its top 5-year rate is now 3.63% APY for a $60k minimum deposit. Brokered 5-year CDs are now in second place with a 3.40% rate.

For terms of one year and under, 2.75% APY is still the highest rate for nationally-available CDs.

USALLIANCE Financial continues to offer a 12-month CD special that earns 2.75% APY ($500 minimum), and Andrews Federal Credit Union continues to offer a 9-month Certificate that earns 2.75% APY.

Savings & Checking Account Rates

I have just one quick note about the top savings account. Last week a new savings account rate leader emerged. EBSB Direct began offering 2.50% APY on its High-Yield Statement Savings Account for balances between $5,000 and $1 million.

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 October 9, 2018

Under 1-Year CD Rates

Institution	Rates	Notes
Andrews Federal Credit Union	2.75% ($250k max) 9-month Certificate Special	EMR See review
Montgomery County Employees Federal Credit Union	2.53% ($1k) 9-month Share Certificate Special	Easy membership See review
Service Credit Union	2.50% ($1k) 9-month Certificate	Military relationship See review
CD Bank	2.45% ($10k) 9-month CD	Internet bank See review
Fidelity Brokered CD	2.35% (APR) 9-month non-callable CD	Issued by IBSH, SSB*
The Vanguard Group Brokered CD	2.35% (APR) 9-month non-callable CD	Issued by BUN*
Communitywide FCU	2.30% ($2k) 6-month Share Certificate	Easy membership Account review
DollarSavingsDirect	2.25% ($1k) 6-month CD	Internet bank See review
EmigrantDirect	2.25% ($1k) 6-month CD	Internet bank See review
MySavingsDirect	2.25% ($1k) 6-month CD	Internet bank See review
Customers Bank	2.25% ($25k)	Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
Fidelity Brokered CD	2.25% (APR) 6-month non-callable CD	Issued by BMT, HADSB, HSTB*
The Vanguard Group Brokered CD	2.25% (APR) 6-month non-callable CD	Issued by BUN*
Live Oak Bank	2.20% ($2.5k) 6-month CD	Internet bank Account review
Limelight Bank	2.15% ($1k) 6-month CD	Internet bank See review
USALLIANCE Financial	2.12% ($500) 9-month Fixed Rate Certificate	Account review
United Bank	2.10% Advantage Money Market, 180-day rate guarantee	25 states See review
CD Bank	2.10% ($10k) 6-month CD	Internet bank See review
The Vanguard Group Brokered CD	2.10% (APR) 3-month non-callable CD	Issued by BoEA*
Fidelity Brokered CD	2.10% (APR) 3-month non-callable CD	Issued by HVB, MZTB, SNVO*
Popular Direct	2.05% ($10k) 6-month Popular Direct CD	Internet bank See review
Chartway Federal Credit Union	2.00% ($100) 12-month CD No Penalty	Easy membership See review
Ally Bank	2.00% ($25k), 1.95% ($5k) No-Penalty 11-month CD	Internet bank See review

Noteworthy Local Deals - Under 1-Year CDs

Kohler Credit Union	2.75% ($10k) 9-month Share Certificate	8 Southeast Wisconsin counties 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
Westbury Bank	2.30% 9-month CD	Eastern Wisconsin 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
Frankenmuth Credit Union	2.15% ($100k) 9-month CD	Michigan See review
Arapahoe Credit Union	2.10% ($100) 3-5 month CD	EMR for Colorado residents See review
Sunstate Bank	2.10% ($2.5k) 7-month Promo CD	South Florida See review

1-Year CD Rates

USALLIANCE Financial	2.75% ($500) 12-month Promo Rate CD	Account review
State Bank of India	2.74% ($25k) 12-month Senior Citizen CD	See review
Virtual Bank	2.68% ($10k) 12-month eCD	See review
BankPurely	2.65% ($1k) 12-month PurelyCD	Internet bank See review
iGObanking	2.65% ($1k) 12-month iGOCD	See review
First Internet Bank	2.65% ($1k) 12-month CD	Internet bank See review
Limelight Bank	2.65% ($1k) 12-month CD	Internet bank See review
Live Oak Bank	2.65% ($2.5k) 1-year CD	Internet bank Account review
SallieMae Bank	2.65% ($2.5k) 12-month CD	Account review
TIAA Bank	2.65% ($5k) 1-year Yield Pledge CD	Internet bank See review
M.Y. Safra Bank	2.65% ($5k) 12-month Online Promo CD	See review
Alliant Credit Union	2.65% ($25k) 12-17 month Jumbo Share Certificate	Internet bank See review
NASB	2.63% ($1k) 12-month Online CD Special	See review
United Texas Bank	2.60% ($1k) 12-month CD	See review
PenFed Credit Union	2.60% ($1k) 12-month Money Market Certificate	Easy membershipAccount review
CD Bank	2.60% ($10k) 12-month CD	Internet bank See review
PurePoint Financial	2.60% ($10k) 12-month CD	Internet bank See review
State Bank of Texas	2.60% ($25k) 12-month Jumbo CD	Account review
Fort Knox Federal Credit Union	2.60% ($500) 14-month CD Special	Easy membership
Vio Bank	2.55% ($500) 12-month High Yield Online CD	Internet bank See review
Bank5 Connect	2.55% ($500) 12-month Connect CD	Account review
Marcus by Goldman Sachs	2.55% ($500) 12-month High Yield CD
Congressional Bank	2.55% ($25k) 12-month High Yield CD	Account review
Fidelity Brokered CD	2.55% (APR) 1-year non-callable CD	Issued by BH, SNVO, SPBP*
The Vanguard Group Brokered CD	2.55% (APR) 1-year non-callable CD	Issued by SBPB*
GTE Financial	2.53% ($100k) 2.27% ($500) 12-month Add-On Promo CD	Easy membership See review
Colorado Federal Savings Bank	2.51% ($5k) 1-year CD	Internet bank Account 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
General Electric Credit Union	2.90% ($100k) 1-year Jumbo Certificate Special	16 Ohio, 5 Kentucky, and 5 Indiana counties See review
Texas Exchange Bank	2.85% ($10k) 12-month CD	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
Ocean State Credit Union	2.80% ($1k) 1-year CD Special	Easy membership, but requires in-branch visit See review
First Federal Savings Bank	2.78% 11-month CD Special	5 northcentral Indiana counties See review
Aurora Schools Federal Credit Union	2.75% ($5k) 12-month Certificate Special	Easy membership for Colorado residents See review
Affiliated Bank	2.75% ($10k) 13-month CD Special	Dallas, Tarrant, and Travis Counties, Texas See review
American Eagle Bank of Chicago	2.75% ($1k) 14-month New Money Step Up CD	Cook and Kane Counties, Illinois See review
Westfield Bank	2.73% ($2.5k) 13-month CD Special	Ohio See review
Reliance Bank	2.65% ($1k) 13-month Add-On CD Special	Missouri and Illinois See review
Ocean Bank	2.65% ($2.5k) 13-month CD	2 South Florida counties See review
Cross River Bank	2.63% ($500) 12-month CD	New Jersey See review
IC Federal Credit Union	2.59% ($500) Special 1-year CD	6 eastern Massachusetts counties See review
First Advantage Bank	2.55% ($10k) 14-month CD Special	Tennessee and Kentucky See review

18-month CD Rates

MutualOne Bank	3.04% ($1k) 19-month CD	See review
Premier America Credit Union	3.00% ($1k) 16-month Fall CD Special	Easy membership Account review
Consumers Credit Union	2.85% ($100k) 15-month Jumbo CD Special	Easy membership Account review
Veridian Credit Union	2.85% ($100k) 18-month Bump-Up Jumbo CD	Easy membership Account review
Luther Burbank Savings	2.83% ($1k) 18-month Step Up CD	See review
Popular Direct	2.80% ($10k) 18-month Popular Direct CD	Internet bank
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
Synchrony Bank	2.75% ($2k) 15-month CD	Internet bank See 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
Limelight Bank	2.75% ($1k) 18-month CD	Internet bank See review
Veridian Credit Union	2.75% ($1k) 18-month Bump-Up CD	Easy membership Account review
Kinecta Credit Union	2.75% ($1k) 18-month Promotional CD	EMR See review
CommunityWide Federal Credit Union	2.75% ($2k) 18-month Share Certificate	Easy membership Account review
Union Bank	2.75% ($10k) 18-23 month CD	See review
Banc of California	2.75% ($25k) 18-month CD	Account review
TIAA Bank	2.71% 1.5-year Yield Pledge CD	Internet bank See review
Live Oak Bank	2.70% ($2.5k) 18-month CD	Account review
M.Y. Safra Bank	2.70% ($5k) 18-month Online Promo CD	See review
PurePoint Financial	2.70% ($10k) 18-month CD	Internet bank See review
CD Bank	2.70% ($10k) 18-month CD	Internet bank See review
State Bank of Texas	2.70% ($25k) 18-month Jumbo CD	Account review
Fidelity Brokered CD	2.70% (APR) 18-month non-callable CD	Issued by CCB, HAMNI, WFB*
The Vanguard Group Brokered CD	2.70% (APR) 18-month non-callable CD	Issued by CCB, MODB, WFB*
Vio Bank	2.65% ($500) 18-month High Yield Online CD	Internet bank See review
Pacific National Bank	2.65% ($1k) 18-month Online Promo CD	Internet bank See review
Veridian Credit Union	2.20% ($100k) (3.25 41-month Bump-Up Jumbo CD closed after 18 months)	Easy membership Account review
Ally Bank	2.19% (3.00% High Yield 5-Year CD closed after 18 months)	See review
Main Street Bank (MI)	2.19% (3.25% 60-month CD closed after 18 months)	See review

Noteworthy Local Deals - 18-Month CDs

Kohler Credit Union	3.25% ($10k) 18-month Share Certificate	8 Southeast Wisconsin counties See review
American Eagle Financial Credit Union	3.15% ($1k) 15-month Certificate	4 Connecticut counties See review
Pawtucket Credit Union	3.00% ($1k) 15-month CD	Rhode Island, Massachusetts, Connecticut See review
Washington Trust Company	3.00% ($500) 18-month Promotional CD w/checking	Rhode Island, Connecticut, Massachsetts See review
Homeland Credit Union	3.00% ($75k) 18-month Jumbo CD	9 Ohio counties 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
Homeland Credit Union	2.85% ($500) 18-month CD	9 Ohio counties See review
EECU	2.80% ($1k) 17-month Special Certificate	Easy membership for Texas residents See review
RelyOn Credit Union	2.80% ($1k) 18-month Certificate Special	Dallas and Kaufman Counties, Texas See review
Cross River Bank	2.79% ($500) 18-month CD	New Jersey See review
BCB Community Bank	2.75% ($50k) 15-month Summer Savings CD	Central and Northern NJ, Staten Island, Long Island Account review
Chemical Bank	2.75% ($100) 17-month CD Special	Michigan, Ohio, and Indiana See review
Savings Institute Bank & Trust	2.75% ($500) 17-month Access CD	Connecticut and Rhode Island See review
Reliance Bank	2.75% ($1k) 19-month Add-On CD Special	Missouri and Illinois See review
Vinton County Bank	2.75% ($2.5k) 21-month CD Special	27 Ohio counties
USE Federal Credit Union	2.70% ($1k) 17-month CD Special	EMR for Oklahoma See review
Member One Federal Credit Union	2.65% ($10k) 19-month Share Certificate	Southwest Virginia Account review

2-Year CD Rates

Latino Credit Union	3.15% ($200k) 24-month Jumbo CD	Easy membership See review
Langley Federal Credit Union	3.04% ($50k) 29-month Jumbo Promotional Certificate	Easy membership See review
State Bank of India	3.03% ($25k) 2-year Senior Citizen CD	See review
ConnectOne Bank	3.00% ($500) 23-month Online CD	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
Popular Direct	2.95% ($10k) 2-year Popular Direct CD	Internet bank See review
The Vanguard Group Brokered CD	2.95% (APR) 2-year non-callable CD	Issued by WFB*
Fidelity Brokered CD	2.95% (APR) 2-year non-callable CD	Issued by WFB*
GTE Financial	2.94% ($100k) 2.68% ($500) 24-month Add-On Promo CD	Easy membership See review
CommunityWide Federal Credit Union	2.90% ($2k) 24-month Share Certificate	Easy membership Account review
KS StateBank	2.85% ($500) 2-year CD	See review
Luther Burbank Savings	2.85% ($1k) 24-month CD Special	See review
KS StateBank	2.85% ($100k) 2-year Jumbo CD Internet Only Special	See review
NASB	2.84% ($1k) 24-month Online CD Special	See review
Virtual Bank	2.81% ($10k) 24-month eCD	See review
ableBanking	2.80% ($1k) 2-year CD	Internet bank See review
Greenwood Credit Union	2.80% ($1k) 24-month CD	EMR See review
SallieMae Bank	2.80% ($2.5k) 24-month CD	Account review
Live Oak Bank	2.80% ($2.5k) 2-year CD	Internet bank Account review
M.Y. Safra Bank	2.80% ($5k) 24-month Online Promo CD	See review
PurePoint Financial	2.80% ($10k) 24-month CD	Internet bank See review
Congressional Bank	2.80% ($25k) 24-month High Yield CD	Account review
State Bank of Texas	2.80% ($25k) 24-month Jumbo CD	Account review
Veridian Credit Union	2.47% ($100k) (3.25 41-month Bump-Up Jumbo CD closed after 2 years)	Easy membership Account review
Main Street Bank (MI)	2.46% (3.25% 60-month CD closed after 2 years)	See review
Ally Bank	2.39% (3.00% High Yield 5-Year CD closed after 2 years)	See review

Noteworthy Local Deals - 2-Year CDs

Ocean State Credit Union	3.30% ($1k) 2-year CD Special	Easy membership, but requires in-branch visit 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
Teachers Credit Union	3.06% ($2.5k) 22-month Share Certificate Special	Indiana and 2 southwest Michigan counties See review
Connex Credit Union	3.05% ($1k) 24-month CD Special	4 Connecticut counties 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
Core Bank	3.00% ($10k or $25k) 23-month CD Special	Nebraska and Kansas See review
Franklin Mint Federal Credit Union	3.00% ($500) 24-month CD Special	3 SE Pennsylvania and 1 Delaware counties See review
RelyOn Credit Union	3.00% ($1k) 24-month Certificate Special	Dallas and Kaufman Counties, Texas 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
EECU	3.00% ($1k) 29-month Special Certificate	Easy membership for Texas residents See review
Blue Hills Bank	3.00% ($500) 29-month Flexible CD	Eastern Massachusetts Account review

3-Year CD Rates

Mountain America Credit Union	3.35% ($500) 3-year Term Deposit	Easy membership See review
Veridian Credit Union	3.35% ($100k) 41-month Bump-Up Jumbo CD	Easy membership Account review
Great Lakes Credit Union	3.33% ($1k) 33-month CD Special	Easy membership Account review
Greenwood Credit Union	3.25% ($1k) 30-month CD	National online application now available Account review
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	Easy membership Account review
Fidelity Brokered CD	3.15% (APR) 3-year non-callable CD	Issued by 3rd FED*
KS StateBank	3.10% ($500) 3-year CD	See review
First Financial Northwest Bank	3.10% ($100k) 2.85% ($25k) 36-month CD	See review
KS StateBank	3.10% ($100k) 3-year Jumbo CD Internet Only Special	See review
The Vanguard Group Brokered CD	3.10% (APR) 3-year non-callable CD	Issued by CITI, UBS, WFB*
Virtual Bank	3.01% ($10k) 36-month eCD	See review
Garden Savings Federal Credit Union	3.04% ($500) 3-year Share Certificate	Easy membership Account review
GTE Financial	3.04% ($100k) 2.78% ($500) 30-month Add-On Promo CD	Easy membership See review
CommunityWide Federal Credit Union	3.00% 36-month Share Certificate	Easy membership Account review
Main Street Bank (MI)	3.00% ($500) 36-month CD	See review
Luther Burbank Savings	3.00% ($1k) 36-month CD Special	See review
M.Y. Safra Bank	3.00% ($5k) 36-month Online Promo CD	See review
Citizens Access	3.00% ($5k) 36-month CD	Internet bank Account review
Popular Direct	3.00% ($10k) 3-year Popular Direct CD	Internet bank See review
PurePoint Financial	3.00% ($10k) 36-month CD	Internet bank See review
Veridian Credit Union	3.00% ($100k) 36-month Jumbo CD Special	Easy membershipSee review
Veridian Credit Union	2.75% ($100k) (3.25 41-month Bump-Up Jumbo CD closed after 3 years)	Easy membership Account review
Main Street Bank (MI)	2.74% (3.25% 60-month CD closed after 3 years)	See review
Ally Bank	2.61% (3.00% High Yield 5-Year CD closed after 3 years)	See review

Noteworthy Local Deals - 3-Year CDs

Northeast Credit Union	3.50% ($1k) 35-month Special Share Certificate	New Hampshire and south York County, Maine 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), 3.30% ($10k), 3.20% ($1k) 39-month Bump Option CD Special	All of Iowa and 4 Illinois counties, University of Iowa relationship See review
First United	3.35% ($50k) 30-month Performance CD	13 Oklahoma and 16 Texas counties See review
VIA Credit Union	3.35% ($50k) 33-month Certificate Special	12 Indiana 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
Northeast Credit Union	3.33 ($1k) 30-month Special Share Certificate	New Hampshire and south York County, Maine See review
Cross River Bank	3.25% ($500) 36-month CD	New Jersey See review
National Bank of New York City	3.25% ($2.5k) 36-41 month CD	NYC, Long Island, Westchester See review
TruMark Financial Credit Union	3.20% ($75k) 36-month Jumbo CD	5 SE Pennsylvania counties See review
Homeland Credit Union	3.15% ($75k) 30-month Jumbo CD	9 Ohio counties See review
Lewis Clark Union	3.15% 36-month Share Certificate	4 Idaho and 3 Washington counties See review
RelyOn Credit Union	3.10% ($1k) 30-month Certificate Special	Dallas and Kaufman Counties, Texas See review
Firelands Federal Credit Union	3.10% ($500) 36-month Share Certificate	5 north-central Ohio counties See review
Pioneer Valley Credit Union	3.05% ($1k) 37-month Share Certificate Special	Easy membership for CT, MA, NY, RI, VT See review
Sturgis Bank & Trust Company	3.05% ($5k) 38-month Best in the Market CD	Southwest Michigan and Northern Indiana See review

4-Year CD Rates

Consumers Credit Union	3.35% ($100k) 45-month Jumbo CD Special	Easy membership Account review
Fort Knox Federal Credit Union	3.30% ($500) 46-month CD Special	Easy membership
Latino Credit Union	3.30% ($200k) 48-month Jumbo CD	Easy membership See review
NASA Federal Credit Union	3.00% ($5k) 49-months Share Certificate Special	EMR See review
KS StateBank	3.29% ($500) 4-year CD	See review
KS StateBank	3.29% ($100k) 4-year Jumbo CD Internet Only Special	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
The Vanguard Group Brokered CD	3.25% (APR) 4-year non-callable CD	Issued by CITI, UBS, WFB*
Fidelity Brokered CD	3.25% (APR) 4-year non-callable CD	Issued by CITI, UBS, WFB*
Community Financial Services Bank	3.19% ($1k) 49-month CD Special	See review
State Bank of India	3.19% ($25k) 4-year Senior Citizen CD	See review
Main Street Bank (MI)	3.15% ($500) 48-month CD	See review
CommunityWide Federal Credit Union	3.10% 48-month Share Certificate	Easy membership Account review
Citizens Access	3.05% ($5k) 48-month CD	Internet bankAccount review
Popular Direct	3.05% ($10k) 4-year Popular Direct CD	Internet bank See review
Vio Bank	3.00% ($500) 48-month High Yield Online CD	Internet bank See review
Citizens State Bank	3.00% ($1k) 48-month CD	Account review
Connexus Credit Union	3.00% ($5k) 42-month Share Certificate	Easy membership Account review
Main Street Bank (MI)	2.88% (3.25% 60-month CD closed after 4 years)	See review
Ally Bank	2.71% (3.00% High Yield 5-Year CD closed after 4 years)	See review

Noteworthy Local Deals - 4-Year CDs

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
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
Firelands Federal Credit Union	3.40% ($500) 48-month Share Certificate	5 north-central Ohio counties See review
National Bank of New York City	3.30% ($2.5k) 48-53 month CD	NYC, Long Island, Westchester See review
Lewis Clark Union	3.25% 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
National Bank of New York City	3.25% ($2.5k) 42-47 month CD	NYC, Long Island, Westchester 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
Chemung Canal Trust Company	3.03% ($10k) 48-month CD Special	12 New York and 1 Pennsylvania counties See review
City CU	3.00% ($500) 48-months CD	7 Texas counties (Dallas) See review
Pinnacle Bank	3.00% ($1k) 4-year CD	Phoenix and Scottsdale area, Arizona See review
State Bank	3.00% ($1k) 48-month CD	Northwest Ohio and Northeast Indiana 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
The Vanguard Group Brokered CD	3.40% (APR) 5-year non-callable CD	Issued by CITI, UBS, WFB*
Fidelity Brokered CD	3.40% (APR) 5-year non-callable CD	Issued by GSB*
State Bank of India	3.39% ($25k) 5-year Senior Citizen CD	See review
KS StateBank	3.37% ($500) 5-year CD	See review
Mountain America Credit Union	3.35% ($500) 5-year Term Deposit	Easy membership See review
Mountain America Credit Union	3.35% ($100k max) 5-year Term Deposit Plus (unlimited additional deposit)	Easy membership See review
Latino Credit Union	3.35% ($200k) 60-month Jumbo CD	Easy membership See review
PenFed Credit Union	3.30% ($1k) 5-year Money Market Certificate	Easy membershipAccount review
State Bank of India (IL)	3.30% ($2.5k) 5-year CD
MutualOne Bank	3.30% ($5k) 61-month CD	Account review
First Financial Northwest Bank	3.30% ($100k) 3.15% ($25k) 60-month CD	See review
State Department Federal Credit Union	3.29% ($500) 60-months CD	Easy membership
Main Street Bank (MI)	3.25% ($500) 60-month CD	See review
Utah First Credit Union	3.25% ($500) 60-month CD	Easy membership
First Internet Bank	3.25% ($1k) 60-month CD	Internet bank See review
Service Credit Union	3.25% ($1k) 5-year Share Certificate Special	Military relationship See review
Connexus Credit Union	3.25% ($5k) 60-month Share Certificate	Easy membership Account review
M.Y. Safra Bank	3.25% ($5k) 60-month Online Promo CD	See review
Popular Direct	3.25% ($10k) 5-year Popular Direct CD	Internet bank See review
Citizens State Bank	3.20% ($1k) 60-month CD	Account review
CommunityWide Federal Credit Union	3.20% 60-month Share Certificate	Easy membership Account review

Noteworthy Local Deals - 5-Year CDs

The Fahey Banking Company	4.00% ($500) 60-month CD w/qualifying Kasasa checking	Ohio 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
Firelands Federal Credit Union	3.60% ($500) 60-month Share Certificate	5 north-central Ohio counties See review
Texas Bay Credit Union	3.56% ($50k) 60-month Jumbo Certificate	Greater Houston metro area See review
Peoples Community Bank	3.54% ($1k) 60-month CD Special	Virginia's Northern Neck and Ferry Farm area
First Guaranty Bank	3.50% ($500) 5-year CD Special	9 Louisiana parishes and 5 Texas counties 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
Arapahoe Credit Union	3.40% ($100) 60-month Certificate	Easy membership for Colorado residents See review
Knoxville TVA Employees Credit Union	3.40% ($2.5k) 60-month Certificate Special (not new money)	8 east Tennessee counties See review
National Bank of New York City	3.35% ($2.5k) 54-59 month CD	NYC, Long Island, Westchester 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
Commerce National Bank & Trust	3.30% ($500) 60-month CD	Central Florida See review
ValleyStar Credit Union	3.30% ($2.5k) 60-month Share Certificate	11 VA counties, 7 VA cities, 3 NC counties, 3 NC cities See review
TruMark Financial Credit Union	3.30% ($75k) 60-month Jumbo CD	5 SE Pennsylvania counties See review

Over 5-Year CD Rates

Fidelity Brokered CD	3.55% (APR) 10-year non-callable CD	Issued by GSB*
The Vanguard Group Brokered CD	3.55% (APR) 10-year non-callable CD	Issued by GSB*
The Vanguard Group Brokered CD	3.50% (APR) 7-year non-callable CD	Issued by GSB*
Fidelity Brokered CD	3.50% (APR) 7-year non-callable CD	Issued by GSB*
KS StateBank	3.39% ($500) 7-year CD	See review
PenFed Credit Union	3.30% ($1k) 7-year Money Market Certificate	Easy membershipAccount review
AFFCU (formerly Air Force Federal Credit Union)	3.20% ($2.5k) 7-year CD	Easy membership See review
M.Y. Safra Bank	3.25% ($5k) 72-month Online Promo CD	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
First National Bank of America	3.15% ($1k) 84-month Time CD
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	3.35% ($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
Eastman Credit Union	3.05% 6-year ($100k) Investment Certificate	7 Tennessee, 7 Virginia, 2 Texas counties Account review
Indiana Members Credit Union	3.04% ($1k) 84-month CD	Central Indiana Account review
Amplify Credit Union	3.03% 84-month ($10k) Share Certificate	5 south central Texas counties Account review

*3rd FED (Third Federal S&L), BH (Bank Hapoalim), BMT (Bryn Mawr Trust), BoEA (Bank of East Asia), BUN (BankUnited), CCB (Comenity Capital Bank), CITI (Citibank NA), GSB (GS Bank), HADSB (Haddon Savings Bank), HAMNI (Hamni Bank), HSTB (Homestreet Bank), HVB (Huntingdon Valley Bank), IBSH (Investors Bank Short Hills), MODB (Modern Bank), MZTB (Mizrahi Tefahot Bank), SBPB (Simmons Bank Pine Bluff), SNVO (Synovus Bank, SSB (Southside Bank), UBS (UBS Bank USA), WFB (Wells Fargo Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

Synchrony Bank	2.65% 13-month CD	Internet bank See review
Quorum Federal Credit Union	3.00% 30-month Term Savings	Easy membership Account review
Salem Five Direct	3.00% ($10k) 36-month eCD	Account review

CDs Removed, No Longer Available - Local

Pioneer Valley Credit Union	2.80% 13-month Share Certificate Special	Easy membership for CT, MA, NH, NY, RI, VT See review
floridacentral Credit Union	4.07% ($50k) 15-month Promo CD	10 Florida counties See review
floridacentral Credit Union	3.56% ($25k) 15-month Promo CD	10 Florida counties See review
First County Bank	2.60% 15-month No Penalty CD	Connecticut See review
Horizon Credit Union	3.09% (w/checking) 26-month New Deposit Special Certificate	Washington State, 8 Idaho and 14 Montana counties See review
General Electric Credit Union	3.05% 3-year Share Bump Certificate	16 Ohio, 5 Kentucky, and 5 Indiana counties See review
Washington Trust Company	3.00% 4-year Promotional CD	Rhode Island, Connecticut, Massachsetts See review
Scient Federal Credit Union	3.00% ($500) 50-month Special Rate Share Certificate	Easy membership for residents of CT, MA, NY, and RI See review
General Electric Credit Union	3.30% 5-year Share Bump Certificate	16 Ohio, 5 Kentucky, and 5 Indiana counties See review

CDs Removed, Rate Too Low - National

None

CDs Removed, Rate Too Low - Local

American Eagle Financial Credit Union	0.50% 9-month CD	4 Connecticut counties
Ocean State Credit Union	2.25% 1-year CD	Easy membership, but requires in-branch visit See review
Rockland Federal Credit Union	2.50% 15-month Share Certificate	6 Massachusetts counties See review
Ocean State Credit Union	2.75% 2-year CD	Easy membership, but requires in-branch visit See review
Achieva Credit Union	3.10% ($75k), 3.05% ($25k) 60-month IRA/457B Plus	Easy membership See review
Achieva Credit Union	2.95% ($500) 60-month IRA/457B	Easy membership See review

Post Publication Edits

10/10/2018: Live Oak Bank CDs added.
10/10/2018: Virtual Bank 36-month eCD added.

QED | Oct 11, 2018 | Comment #122

I buy certificates of deposit; NOT stocks. Nobody cares about my stock market strategies, or anyone else's. So this is solely about the outlook for interest rates, again NOT stocks.

That said, the stock market is important NOT for its own sake, but instead because its direction can influence interest rates going forward. And this morning's stock futures presage loss of a thousand DOW points in two days. It might happen or not; I dunno. Regardless, a falling stock market does not augur well for higher long term interest rates. Ditto for Trump's criticism (of the Fed) that interest rates are rising too rapidly. The Fed is 100% independent of Trump. But Trump is POTUS and his constant criticism cannot be completely ignored. To the extent the Fed heeds (stock) market carnage and Trump, short interest rates are also in jeopardy, right along with long rates. So bottom line, unless things turn around, the tea leaves are not right now pointing toward higher interest rates of any sort.

Of course this could all be a short term blip . . . a temporary condition. Maybe others are nervous about the outcome of the midterm elections, like I am. Whatever it is, it's today's reality.

deplorable 1 | Oct 11, 2018 | Comment #123

I agree with you QED which is why I think Powell will take a pause when the FED rate gets to 4%. This does not mean however that CD rates won't get to 5% again. There will be some special offerings that are above the FED rate in 2019 again barring no major political shifts. I found this article this morning which suggests that the FED will continue to hike rates and let the market adjust:
https://www.cnbc.com/2018/10/10/the-fed-is-undergoing-a-major-change-and-the-market-is-having-a-fit.html?__source=yahoo%7Cfinance%7Cheadline%7Cstory%7C&par=yahoo&yptr=yahoo
While the president supposedly doesn't have any direct control over the FED I think Obama wanted interest rates kept low and the FED complied and eventually Powell will stop hiking rates at some point if Trump continues to disapprove.

Stop Bullying | Oct 11, 2018 | Comment #125

Trump needs to stop bullying the Fed with his public statements. My God Trump was the one who appointed him just last year. Seems like Trump is always looking for some excuse to avoid accountability by imposing blame on others which is why turnover is so high in the WH.

To Stop Bullying | Oct 11, 2018 | Comment #126

#125, I do not think you know what the Trump strategy is and what is his next move. He has unique style of governing and you either love it or hate it. He always has his mind on the citizens and he takes accountability for everything, but the MSM twisted so much of the facts with intend to make it look bad, 92% of the media reports only negative or indoctrinated facts to look bad.

highrate | Oct 11, 2018 | Comment #137

trump doesn't know what his next strategy is. He will likely pick it up from Fox news

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deplorable 1 | Oct 11, 2018 | Comment #155

Well said. Trump has been taking fire from all sides while still getting things done which is a nearly impossible feat to accomplish with all the corruption in D.C. and I'm including the so called "moderate" Republicans.

Billy Hilly | Oct 12, 2018 | Comment #179

I do not think that Trump knows what is strategy is!

deplorable 1 | Oct 11, 2018 | Comment #128

I think that Trump is trying to stop the stock market from panicking about FED rate hikes with his comments in the same way that the former FED chief would talk down rate hikes to calm the market. Nothing Trump does is random and he is much smarter than the media gives him credit for. For example his latest quote: "You don't hand matches to a arsonist and you don't give power to a angry left wing mob!" referring to the Democrats lol brilliant and so true.

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up north | Oct 11, 2018 | Comment #131

If you trusted Dear Trump so much, you'd be placing your eggs in the stock market, not whinging for higher CD yields on an internet board. Just my observation.

deplorable 1 | Oct 11, 2018 | Comment #154

@up north: I like diversification and the safety of FDIC insurance for a good part of my savings. Not to mention liquid cash for a large emergency fund. I only keep about 50% in the market in high yield dividend paying stocks in order to keep averaging over 5% overall no matter which way the market or interest rates go. I learned my risk tolerance back in 2008 when I was 80% in the market so I dialed my exposure back a bit by saving more cash.

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highrate | Oct 11, 2018 | Comment #141

the media far overestimates Trump's intelligence

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Rosedala | Oct 11, 2018 | Comment #157

#156: I more than agree with you. I think you meant your message to go to Rosalita, no? :)

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Just sayin' | Oct 11, 2018 | Comment #127

@QED #122 - I'm not convinced the FED will stop rate hikes following a 1,000pt drop in the DOW. The DOW has gained about 9,000pt since Trump was elected. IMO, the DOW is still too high and the current interest rate too low. If the FED stops meddling in the market today, interest rates will likely move higher, and the DOW and housing market lower.

Inflated Market | Oct 11, 2018 | Comment #135

@Just sayin...Time to take the patient completely off the morphine and get rates back to neutral if not higher as inflation is high in many areas. Of course there is going to be a long bout of withdrawal symptoms re volatility in the stock market which has to be expected.

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Comments

Sort by Date | Sort by Votes

135 Comments.

boston02116 | Oct 10, 2018 | Comment #1

I was expecting better CD promos after the recent rate hike. Maybe we were getting spoiled?

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gregk | Oct 10, 2018 | Comment #27

No, #1, - it's the banks and credit unions that have gotten spoiled.

Dee | Oct 11, 2018 | Comment #145

I agree the banks, credit unions and Wall Street are soooo spoiled!!!! We have had 0 to 1% for a decade. 5,6,7% used to plan average forever. What in the world happened??

The FEDs | Oct 10, 2018 | Comment #3

What is not normal this time is the inflation rate is at 2% but 10 year notes/bonds are at 3.2%. Why are we making more money than the inflation rate? This was never in the history of USA and suggests something is not right with our FED or the Banks or the treasury. One of them or all of them are concealing something, are we going to find out before or after our money in the banks are frozen?
I agree with #2 post, it is very unusual setting to keep the government open for business.

deplorable 1 | Oct 10, 2018 | Comment #14

I have always been able to beat the inflation rate with interest in most years with the notable exception of 2008-2016. We are actually getting back to normal.

milty | Oct 10, 2018 | Comment #15

I actually did very well between 2009 and 2016 . . . in stocks :-) but also had some long term CDs yielding over 2%.

Att | Oct 10, 2018 | Comment #71

I did very well with muni bonds paying 4 to 5% tax free. Some of them are being called but I can put some of the money in higher paying CDs. I'm going to purchase a bond below par that pays 3.65 coupon rate till 2025 and if is not called pays a yield of 4.15%.

QED | Oct 10, 2018 | Comment #4

I am respectful of the posts up thread. It's because, at this point, I really have no clue. Chalk a lot up to politics of the situation. Not clear to me changeover of power in the House can do more than stall current advance. I ask myself: will such changeover actually REVERSE progress we've made?

Way I see it, economy has to come in generally HOT if (longer) interest rates are to reach even Sharonview-like levels. That's not gonna happen if House focus shifts to impeachment of Trump and Kavanaugh, instead of America's advancement. Gridlock will not foster the economic growth we need to force interest rates, longer rates I mean, up. But even with the House in different hands, interest rates could just hold generally steady for the upcoming two years. Would that be a signal to buy some of these shorter (2-3 year) CDs at current interest rates? I dunno, but it's an option I will have to consider if the House changes hands. Meanwhile, at present, cash is king for me. I want to know the outcome of the midterm elections before I commit one way or the other. And four weeks is NOT too long to wait for this information! I can live comfortably earning 2.25% APY on my (liquid) money for that short interval of time.

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politics? | Oct 10, 2018 | Comment #9

Still can't figure out how certain comments get deleted?

Deletion Therapist | Oct 10, 2018 | Comment #28

Do you loathe Donald Trump? If true, that's why your comments will get deleted, - even if they don't themselves refer to Donald Trump. Somehow the Administrators know your proclivities and will "send you a message" from time to time just as warning to be careful.

You say you love Donald Trump? .Did you make that clear in the deleted post(s)? If not, that omission is the evident reason.

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deplorable 1 | Oct 10, 2018 | Comment #10

Oh I get it any pro Trump comment gets deleted. If you are pro Obama/Hillary/Democrat anything goes. I was just responding to negative political comments.

sincerely | Oct 10, 2018 | Comment #12

deplorable 1 comment 10
It might be that its just getting tired of hearing political bias from either side.
Fed talk can be useful but it seems like the site should return to main topic of rate chasing at this point.

deplorable 1 | Oct 10, 2018 | Comment #13

OK point taken but I still find it difficult to completely separate politics from the interest rate discussion particularly when some of the comments are so far off base. I also think that politics is currently playing a large role in the economy, the stock market, inflation and thus the FED rates. When trying to accurately predict future interest rates it is necessary to understand the politics as well as the economy.

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sincerely | Oct 10, 2018 | Comment #20

Bankity, must you instigate ?

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Bankity | Oct 10, 2018 | Comment #24

Comment #23 Seriously.That is really a abhorrent thought process you have there.

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sincerely | Oct 10, 2018 | Comment #19

I agree but it seems to be your obsession. Whatever news channels people choose to watch pounds it into our heads every day. Your subtle comment #14 makes your point sans political commentary.

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deplorable 1 | Oct 10, 2018 | Comment #49

So why don't you tell me when my predictions have been wrong? Come on.

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Rosedala | Oct 10, 2018 | Comment #22

Oh deplorable, if what you say happens to be true, I'd be most disappointed in depositaccounts.com since it should be either all politic comments or none. :(

Eil | Oct 10, 2018 | Comment #25

hmmmm, so politically divided. But I'm certainly enjoying that "magic wand" effect and very thankful for rising rates and employment opportunities. So, for my opinion on it all, If we can keep America red, I'm sure everything is gonna be all right.

Bankity | Oct 10, 2018 | Comment #31

Nasdaq down nearly 6% in October, which could be worst month in 2 years

Winning? At some point people will realize the GOP is stealing the crack of their butts and selling it back to them and leaving us with a broken country,economy and environment.

spentcattle | Oct 10, 2018 | Comment #34

Ten year note at 3.21 think its time for five year CD's to go a bit bananas

Eil | Oct 10, 2018 | Comment #35

but, but, but.... (butts), aren't we still 40% above the Obama high? So what's a little transfer and rearranging of assets, anyway?

Bankity | Oct 10, 2018 | Comment #36

The point is, this is not helping anyone but people like us, with assets to move around. Sure the stocks plummeting create a buy time for me. But I have a social conscience. The wealth divide is growing wider by the minute. Do you relish living in a country like India. The rich are rich and poor live in ghettos. That is *not* "MAGA".

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deplorable 1 | Oct 10, 2018 | Comment #51

Sorry Milty I was responding to bankity for comment #41.

Eil | Oct 10, 2018 | Comment #79

In reply to comment #36: In India, there is an operating caste system with fake attempts of reform usually supported and conducted for political gain. But here in America, every citizen, regardless of upbringing, has a golden opportunity to succeed, if they are motivated, and follow the rule of law, opportunities are unlimited. So, no, I am not concerned about even a slight mirroring of India. But if our government slips to radical socialists (far left), then I would certainly be concerned about becoming Venezuela.

Sett | Oct 10, 2018 | Comment #102

#36, you are full of it, stop that nonsense of yours.

Just sayin' | Oct 11, 2018 | Comment #108

I agree with you that the rich poor divide has gotten worse. But this has nothing to do with Republicans or Democrats or "MAGA". I understand GINI got worse under Obama too. So stop this politics nonsense. If you are serious in finding a solution, perhaps you can help by supporting the current administration's economic policies, e.g. bringing back manufacturing jobs, instead of being an obstructionist.

Just sayin' | Oct 11, 2018 | Comment #109

I was responding to #36.

yuhuuuup | Oct 11, 2018 | Comment #158

Thanks for your point about a lot of you people using this site as a slush funds search for your big bucks . While most here are genuinely looking to to eek out a little extra income for our family. Myself gets tired of blog type posts that make 150 postings common with unrelated to topics. But you guys are the big fish in this bowl.

deplorable 1 | Oct 12, 2018 | Comment #174

@Bankity comment #36: This is the United States and nowhere else in the world are there greater opportunities to advance and change one's station in life. If people choose not to try and not to take advantage of the opportunities that are right in front of them then who's fault is that? This rich vs. poor or wealth divide argument is used by the left as a tool to get people to vote Democrat. It provides a easy scapegoat to remove all personal responsibility from the individual for their own life circumstances. It is the governments job to provide opportunities to advance but it is not the governments job to play robin hood Socialist and steal from one group to give handouts to another. This is the difference between being a conservative or a liberal.

Rosalita | Oct 11, 2018 | Comment #152

Yes, and the market increased 148% under Obama.

To Rosalita | Oct 12, 2018 | Comment #168

#152, no it did not, the market crashed and was reset to few thousand points just before obama took the presidency and it took 8 years for the stock market to recover to the same level as it was before the crash.
Obama has nothing to do with it, he was busy destroying America.

Inflated Market | Oct 12, 2018 | Comment #171

To Rosalita...The Fed had to take rates down to 0 which manipulated those gains at the detriment of savers and to the benefit of the bankers. Not a fan of Obama due to the oppression of savers under his regime.

gregk | Oct 10, 2018 | Comment #30

Anyone care to remember how repeatedly Trump has attacked the Fed for recent interest rate hikes, and suggested how ill-advised and undesirable they are in his judgment?

Bankity | Oct 10, 2018 | Comment #32

Fox News does not report that. Clearly.

deplorable 1 | Oct 10, 2018 | Comment #39

Trump doesn't want higher interest rates for one reason only..........the debt and the interest on the debt. If we had a balanced budget he would want rates much higher. Higher rates increase the deficit. Still the economy he created will force the FED to keep hiking interest rates particularly if inflation increases.

Bankity | Oct 10, 2018 | Comment #44

As if he gives a hoot about blowing up the deficit. My god. Just the Ayn Randian excuse to cut SS and Medicare.

deplorable 1 | Oct 10, 2018 | Comment #62

He does care at least about how that will make him look politically. I believe he wants to start paying down the debt as well. He has mentioned the high debt many times. The tax cuts are just now kicking in this will be the first tax year they are in effect. Why don't we wait until next fiscal year before passing any judgement? Obama's deficits were sky high his first term and that was with half the current debt. Oh how soon we forget.

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Bankity | Oct 10, 2018 | Comment #91

https://www.washingtonexaminer.com/opinion/trumps-tariffs-now-cost-americans-more-than-obamacare-taxes

dollarsncents | Oct 10, 2018 | Comment #92

Just another persons "opinion" in the washingtonexaminer.

And my opinion is that the advantages far out way the disadvantages of the newly implemented tariffs.

deplorable 1 | Oct 10, 2018 | Comment #95

Oh please the tariffs will be temporary until China caves. You need to endure some short term pain for long term gain. Just look at the reworked NAFTA(USMCA) deal. Trump will be getting these deals done.

up north | Oct 11, 2018 | Comment #132

China won't cave they will just start divesting in the US Bonds, Stocks and companies they own.

deplorable 1 | Oct 12, 2018 | Comment #172

Trump has just confirmed exactly what I said in the post above #39 in a recent interview. He said he doesn't like higher interest rates because of the interest we have to pay on the debt and that Obama was playing with "free" money as in not having to pay any interest on the debt because rates were at 0%. So my point is that if you like higher interest on savings as I do then the debt is a major problem and the only solution is to cut spending and stop all these social programs for able bodied people and illegal aliens who refuse to work that are bleeding us dry.

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deplorable 1 | Oct 12, 2018 | Comment #175

Because Bush spent money fighting terrorists after 9/11 and Obama spent money on government handouts. Also congress(both parties) wastes money on special interest lobbyist groups. Apparently you think Trump is supposed to wave a magic wand and make 21 trillion just disappear! Sorry the world doesn't work that way the debt needs to be paid down the same way it was run up(slowly over time) by making prudent fiscal decisions.

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Kaight | Oct 10, 2018 | Comment #73

At the risk of returning to a discussion of interest rates:

I do not believe a declining stock market mitigates in favor of higher and higher long term interest rates. The stock market currently is falling like a stone. Hope things turn around ASAP.

Inflated Market | Oct 11, 2018 | Comment #110

The Feds manipulation of interest rates fueled rampant speculation in many assets including the stock market so now with rates rising the bubble gets popped. I hope we see a crash to take some of the risk out of the bloated stock market. Consider it the hangover effect after the punch bowl has been removed.

Rosedala | Oct 10, 2018 | Comment #78

To the person who commented with a few great links, kindly send them to me via PM please? Your comment has been deleted. I made the mistake of opening and reading one instead of copying them quickly.

deplorable 1 | Oct 10, 2018 | Comment #81

Google Mark Levin if you are really interested in what is going on. He is one of the few in the country who is not afraid of telling it like it is. You will also learn about U.S. history in the process.

Att | Oct 10, 2018 | Comment #82

I like some of the things Levin says but not everything he says is truth and not gospel and he liked to sell his books. He was for Ted Cruz and one of his relatives worked for Cruz. He jumped on the Trump train after being a Trump hater and would have no show if he didn't. He would be bashing Hillary everyday if she won. He is a very rich man with his "show" which caters to a specific audience just like CNN does.

The market is tanking today. We will see if it continues. Mortgage rates are over 5% for 30 years and will impact the housing market. Their are always winners and losers when rates change.

Bankity | Oct 10, 2018 | Comment #83

Levin is a conspiracy theorist. That is all anyone really needs to know.

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deplorable 1 | Oct 10, 2018 | Comment #87

The deep state is no conspiracy Bankity. Just wait until more FISA documents get released.

Bankity | Oct 10, 2018 | Comment #89

Comment #87 - Well today you have lost any shred of credibility you may have had, IMHO.

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deplorable 1 | Oct 10, 2018 | Comment #84

True I wasn't a big Ted Cruz fan either but look at the alternative in his state Texas. I think Mark was a bit late to the Trump party as well. However his comments on history, legal precedent, the Constitution and the rule of law are spot on.

deplorable 1 | Oct 10, 2018 | Comment #85

The stock market is throwing a tantrum over treasury yields today. It's as if the market didn't expect interest rates to rise. I think it is probably overblown and it is actually creating a buying opportunity in some REIT's that I follow. The market used to do this during the Obama years every time the FED suggested that they might decide to hike rates.

dollarsncents | Oct 11, 2018 | Comment #133

Oh, wow, 30 year mortgage rates are over 5%. There was a time when they were 12% and we all survived along with the economy.

Not only banks and CUs but people as well have grown too accustom to easy money over the past decade or so.

Ginzy | Oct 11, 2018 | Comment #147

When we bought our first house in the early eighties we felt lucky to get a 15.5% 30 year mortgage. Eventually re-financed to 11% 15 year before paying it off after 8years. Paying that much interest is a great incentive to pay it off. Today people are spoiled. I totally agree with your assessment dollarsncents.

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deplorable 1 | Oct 10, 2018 | Comment #80

Ok since this was supposed to be about CD rates anyway and my political comments always get deleted because I'm pro Trump I will try to stay on topic. I'm very disappointed in the current CD offerings at this time and since I have the Andrews 2.75% and HLIB 3.15% CD's already there is no point in locking any CD's at current rates. The good news is that the long term treasuries have finally started to inch up and I believe that 4% CD's or at least a 3.5% short term CD should be coming up shortly. In the meantime the 2.5% savings account from EBSB direct is a great place to park liquid cash. I will reiterate my long term CD rate prediction of 4% by the end of the year and 5% by next year providing everything stays the same politically.

QED | Oct 10, 2018 | Comment #88

Well sure your call for 4% and 5% is a possibility if the politics remains as is. Point being the politics could change radically in four weeks. So why would any sane person make longer term CD commitments now? And longer term means even two to three years, no less five years. Why not wait a few weeks so you can learn where things might be headed? It's not as if interest rates on liquid accounts are horrible!!

I'm waiting the few weeks. Then if the politics shifts massively I will buy CDs at current interest rates to bridge me over until the next election in 2020. If the politics does NOT shift, then I will hold out for the 4% to 5% interest rates we both agree could ensue in that circumstance.

People need to realize not all sides in the current political struggles value lower unemployment and generally good, or at least vastly improved, economic conditions in this country. If you paint yourself as champion of the poor, for example, it is downright WORRISOME when previously poor folks can find a job and better their living conditions. Why is this? Because then those previously poor folks do not need YOU!!

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Richard | Oct 10, 2018 | Comment #97

Sorry to interrupt the plethora of political commentary…however these brokered CD rate increases occurred today: Fidelity and Vanguard are now offering new issue, non-callable, brokered CDs by Wells Fargo Bank at 3.45% (5-yr), 3.30% (4-yr), 3.15% (3-yr), 3.00% (2-yr), 2.80% (18-mo) and 2.65% (13-mo).

QED | Oct 10, 2018 | Comment #98

Setting aside ALL politics, I just want to mention the DOW fell today by over EIGHT HUNDRED points. That is not something I view as at all constructive for those of us desiring higher interest rates. I do not believe the stock market can head south while simultaneously longer rates trend higher. Want higher long term interest rates? Root for a higher stock market, not for a bloodbath there.

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deplorable 1 | Oct 11, 2018 | Comment #106

Agreed I was a bit shocked to see a 800 point drop today! I think that the market will recover and that this is a bit overblown. The FED hiking rates at 1% a year is a pretty slow pace if you ask me. The economic numbers have not changed so I think this is overblown. The jobs numbers have been revised upward lately. Lets hope the market recovers quickly as a spiraling stock market won't be good for interest rates.

Bozo | Oct 11, 2018 | Comment #107

QED (re comment #98), it was (and always is) a good day to have a goodly chunk of one's asset allocation in fixed income. Last I checked, none of my IRA CDs, or after-tax CDs, or savings accounts, lost value today. Indeed, it's about the time of the month for PenFed to post dividends.

With respect to the equity portion of my asset allocation, I trimmed quite a bit last year (2017). Continued the re-balance this year with shifts from VTSAX to VBIAX.

It's so much easier to sell and take profits in a rising market.

Mak | Oct 11, 2018 | Comment #111

S&P 500 was lower in 2017 and depending on when in 2017 it could have been much lower than it is right now.

Inflated Market | Oct 11, 2018 | Comment #116

@Mak true but who would be chasing up stocks after a frothy 10 year bull run fed by loose monetary policy. Trailing PE on the SP 500 is 24ish quite high historically. With the Fed hiking and undergoing a massive balance sheet unwind risk remains elevated. The MACD on the monthly SP 500 chart is at multi-decade high levels another indication of a frothy market. Global markets weak during 2018. Good luck.

Bozo | Oct 11, 2018 | Comment #117

Mak (re comment #111), with all due respect, you missed my point. I trimmed in 2017, inasmuch as the market was higher (indeed, much higher) than in 2016. Sold into a rising market, as it were. In January of 2018, the market continued its upward trajectory, so I sold more (my prior posts on the blog refer). I never sell all my positions. I sell gains, and plop same into relatively safe vessels (IRA CDs, after-tax CDs, and savings accounts). In an ever-increasing stock market, I will lose out to a degree. But, as I have seen this movie more than once, I'll harvest my gains when they present themselves.

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??? | Oct 11, 2018 | Comment #119

the Russians are coming

To ??? | Oct 11, 2018 | Comment #129

#119, wrong, the deep state operatives and the traitors are in disguise as Russians.

??? | Oct 11, 2018 | Comment #140

So tell me what are YOU doing about it to prepare ? Makes no sense you guys running around in forums yelling Doom on us all. What is YOUR plan?

warren | Oct 11, 2018 | Comment #143

Bozo (re: comment #107), your method seems like an inefficient way to rebalance. I assume you realize that VBIAX is a balanced fund composed of 60% VTSAX and 40% VBTLX (where, VTSAX is 100% stocks and VBTLX is 100% bonds). It would be much more efficient to rebalance your assets by shifting from VTSAX to VBTLX (rather then from VTSAX to VBIAX).

Bozo | Oct 11, 2018 | Comment #151

warren (re comment #143), I never claimed to be efficient. It's mainly behavioral. I have a Vanguard portfolio consisting of VTSAX, VBTLX, VTIAX, VMMXX, and VBIAX. It's totally irrational, I agree, except for VTIAX. A rational three-fund portfolio would be VTSAX, VBTLX, and VTIAX. That said, I use VMMXX as a holding tank. I use VBIAX as a benchmark. Back to "behavioral": the psychological angst of VBTLX in a rising rate environment is more than I can bear. It is ever so much easier to swap into VBIAX. I can ignore the bloodbath in bond funds (to a degree).

warren | Oct 11, 2018 | Comment #159

Bozo (re: comment #151), your Vanguard portfolio mix sounds fine. If you feel comfortable with it and it has performed well for you then you should continue to use it. Your portfolio employs 3 out of the 4 funds utilized by Vanguard to create most of their target retirement funds (one example is VTTVX). I utilized the same VTTVX portfolio component funds (VTSAX, VBTLX, VTIAX, and VTABX) to create an asset allocation for a trust which I manage. The only component fund that your portfolio is missing from that list is VTABX. I have been "Vanguarding" since 1979.

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Just sayin' | Oct 11, 2018 | Comment #121

@QED (#98) @deplorable1 (#106) - A declining DOW and higher rates generally go hand in hand. As interest rates dropped following the last great recession, the DOW continued its upward climb. The reverse is also true. Sure, initial reaction to a sudden drop in DOW is oftentimes lower interest rate. But that is a temporary move to safety under high volatility environment. Once the dusts settle, interest rates will go where they belong.

deplorable 1 | Oct 11, 2018 | Comment #124

Yes but the market could actually trade sideways along with FED hikes as long as they don't hike rates too quickly. Up until recently the market was going up even with rate hikes due to such positive economic news. A big part of the problem is also the media's refusal to accurately report on all of the positive economic news because of their obvious anti-Trump/Republican bias. If a Democrat occupied the white house the economy would be the lead story every day and they would be trumpeting the 3.7% unemployment rate and 4.2% GDP to the rooftops. They have been trying to bury any good economic news.

Milty | Oct 10, 2018 | Comment #99

Boy, sure is gettin hot in here ;-) . . . must be keeping Ken busy, eh? Anyway, finally started moving some money into 2 year CD (3%) and higher yield savings (2.5%). Tired of waiting since ain't getting any younger.

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mix | Oct 10, 2018 | Comment #105

I think 13 week t-bills set to automatically reinvest several times are the way to go for the foreseeable future instead of chasing rates at different banks.

Bozo | Oct 11, 2018 | Comment #120

MIX (re comment #105): T-bills lost their luster when purchases were required through Treasury Direct. Have you ever encountered a more confusing portal? As a Vanguard client, VMMXX seems ever so much simpler.

MDH71 | Oct 11, 2018 | Comment #146

Bozo [comment #120]: Are you aware that you can purchase secondary issue T-bills at Fidelity without fees/commissions? Perhaps you can do the same at Vanguard. Also, don't forget to consider the tax advantages that T-bills have over the VMMXX money market fund.

Bozo | Oct 11, 2018 | Comment #150

MDH71 (re comment #146), good to know. Thanks for the heads up.

warren | Oct 14, 2018 | Comment #190

MDH71 (comment #146)...you can also buy new issue Treasuries (bills, notes, and bonds) at Fidelity, Schwab, and Vanguard without fees or commissions.

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up north | Oct 11, 2018 | Comment #136

If this happens kiss your decent CD rates good bye. Powell is on officially on the radar and since Trump always say he isn't going to do what he ends up doing. You may want to worry about this;
https://www.marketwatch.com/story/trump-says-he-doesnt-want-to-fire-powell-as-he-blames-fed-for-stock-market-drop-2018-10-11

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Jen | Oct 11, 2018 | Comment #160

3.20% for 21 month Certificate at AgFed Credit Union (Agriculture Federal). They just sent out an email to members.

Milty | Oct 11, 2018 | Comment #161

Although I enjoy some, it seems like way too much political trolling going on here now.

To milty | Oct 11, 2018 | Comment #165

Milty, this is true people opinions, not the biased MSM news, if you really care for this country, you will say your true mind, if not, you probably are to far gone with the brainwashing and can not create your own point of view. The politics is irreversibly interwoven with the money, the politics in Washington affects the whole economy and with the FED the whole country and beyond.

Milty | Oct 12, 2018 | Comment #169

Hard to say what is true when it comes to internet blogs, but this blog's purpose i thought was to discuss interest rates and not introduce one's political insights and associations into every post.

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To Milty | Oct 13, 2018 | Comment #186

Milty, the interest rates are connected with politics very close and you can not separate them.

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Rosedala | Oct 12, 2018 | Comment #167

Hi, could someone tell me how to stop receiving each comment (dozens per day!) and only get the ones I subscribe to please? I looked in settings but didn't find where to stop them. Of course I'd like to continue to receive all DA's messages of articles, ratings, etc. This avalanche of messages never happened before, it might be that since I'm using a different computer and re-subscribed to DA I clicked on a wrong button? Thanks for any help! :)

To rosedala | Oct 13, 2018 | Comment #185

Rosedala, welcome to LendingTree, they do that to all of their customers by giving your personal info to dozens of lenders and pocket the money they are making from you.

Rosedala | 1 minute ago | Comment #202

#185: I referred to the dozens of posters I receive from here in this thread. Not to outsiders. I'm not subscribed to LendingTree. Is there a button to choose which to stop and which not? Can you tell me? On another important matter - someone stated Ken no longer owns this website? What do you know about it? Thanx.

Posts | 22 hours ago | Comment #191

Un-subscribe and post as anonymous. Problem solved.

Milty | Oct 12, 2018 | Comment #180

FYI: for the 2yr CD, went with CD Bank. Opening the account was not too bad, but they could use more help for answering calls. Note that interest is posted semi-annually, but you can request to have your interest sent to you monthly.

deplorable 1 | Oct 13, 2018 | Comment #181

This is a big problem in the country. 61% of all Americans can't pass a simple financial literacy test according to this study:
http://www.finra.org/investors/highlights/can-you-ace-quiz-test-your-financial-literacy
I found this test to be very easy as most here on DA would. What is worrisome though is apparently these basic concepts are not taught in school or taught very poorly. A more interesting study would be out of the 61% that did not pass what percentage vote Democrat vs. Republican. The answer is obvious.

deplorable's misery | Oct 13, 2018 | Comment #182

Deplorable, what is obvious is you have a miserable life, and love to blame others. Sound familiar?

deplorable 1 | Oct 13, 2018 | Comment #183

I'm having a great time not miserable at all. Trump makes me laugh when he pushes back at the media by telling the truth. They don't know what to do as they have never had facts thrown back in their face before because Republicans were too weak to do so. Liberals are always angry and miserable and blaming others for their own lack of personal responsibility or effort. This is why the turn into a angry mob like Occupy/Antifa etc.

Just sayin' | Oct 14, 2018 | Comment #187

#182 - I am not sure what your point is. Being financially literate should be a requirement for all Americans. Are you okay if your children do not have such basic knowledge? It would have prevented many (but not all) bankruptcies and foreclosures if people know how to manage their finances better. Many will have a better retirement if they plan for it too.

Today's kids | Oct 14, 2018 | Comment #188

#187, obviously you do not have anyone in school age around you to tell you what they do, nothing, just socializing, copy each other homework, manipulate the school to think they know something, but reality is the opposite, they do not teach them to be independent, they must obey the orders from the superiors or they will flunk the class. Independent thinkers, bright kids, knowledgeable kids, opinionated kids are punished, the less they know the better they are. Ask any democrat, they will explain to you why.

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deplorable 1 | 4 minutes ago | Comment #201

Alright how about we keep the political discussion as pertaining to the interest rate discussion only?
Does that work for everyone? I firmly believe that if Democrats were to take over the House, Senate or both that interest rates would stagnate rather than rise. The reason being is that Trump would be more bogged down with obstruction and political bantering. This would make it more difficult if not impossible for him to accomplish his agenda.

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