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About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Bank Deals Blog: Nationwide Deals

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

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

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First Security Kasasa Cash (2.51% APY) Available Nationwide
Deal Summary: Kasasa Cash, 2.51% APY up to $50k; Kasasa Saver, 1.31% APY up to $50k.

Availability: Nationwide through online application.

First Security Bank & Trust’s (First Security) Kasasa Cash account earns 2.51% APY on qualifying balances up to $50k. Qualifying balances greater than $50k earn 0.20% APY, with non-qualifying balances earning 0.05% APY.

The Kasasa Cash account was unveiled more than four years ago, with a decidedly low 1.05% APY. The rate was increased to 2.51% APY in August 2018. The Kasasa Cash account is First Security’s...

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

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

Availability: Nationwide

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

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

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

Availability: Nationwide (internet bank)

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

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

Availability: Easy membership requirement.

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

The last time USALLIANCE had a competitive CD...

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Sun East Federal Credit Union Adds MAX-Yield MMA, 2.20% APY
Deal Summary: MAX-Yield Money Market Account, 2.20% APY, 13-month rate guarantee, $5k min/$250k max deposit, new money.

Availability: Easy membership requirement

Pennsylvania-based Sun East Federal Credit Union (Sun East) started September by offering a new version of its MAX-Yield Money Market Account. The latest MAX-Yield MMA earns 2.20% APY (guaranteed for 13 months following account opening) on balances between $5k and $250k. The minimum opening deposit is $5k of new money, defined as not being “existing Sun East Funds or Sun East transferred funds.”

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Credit Union of the Rockies Offers 24-Month Promo CD, 2.75% APY
Deal Summary: 24-month Promotion CD, 2.75% APY, $1k minimum deposit.

Availability: Residents of six Front Range/Mountain Colorado counties; possible easy membership requirement .

Credit Union of the Rockies (CUR) is currently offering four Promotional CDs: 24-month (2.75% APY), 36-month (2.50% APY), 48-month (2.60% APY), and 60-month (2.70% APY). Of the four, the 24-month is the most competitive. The minimum opening deposit is $1k, with no stated balance cap.

The fine print on the Savings Rate page states,

The Promotional CDs are also available as IRAs...

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CommonWealth One Federal Credit Union Has 60-Mo Jumbo CD, 3.21% APY
Deal Summary: 60-month Jumbo Share Certificate, 3.21% APY ($100k minimum), 3.16% APY ($50k minimum); 60-month Share Certificate, 3.11% APY ($1k minimum).

Availability: Easy membership requirement.

Virginia-based CommonWealth One Federal Credit Union (CommonWealth One) is offering a 60-month Jumbo Share Certificate with tiered APYs: 3.21% APY ($100k minimum) and 3.16% APY ($50k minimum). There's also a 60-month non-Jumbo Share Certificate that earns 3.11% APY ($1k minimum). These rates have been in effect since April. We'll have to see if these continue through September.

The Jumbo Share Certificate is also...

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"Reach New Heights" With AgFed's 18-Month CD, 2.20% APY
UPDATE 9/4/2019 - Rate lowered to 2.20% APY.

Deal Summary: 18-month Certificate Special, 3.00% 2.20% APY, $1k minimum deposit.

Availability: Easy membership requirement.

AgFed Credit Union (AgFed) has a history of offering limited-time competitive CD rates and/or CD Specials. The latest is an 18-month Certificate Special, promoted as helping members “reach new heights” with a 3.00% 2.20% APY. The minimum opening deposit is only $250 and there is no stated balance cap.

The 18-month Certificate Special is also available as an IRA, earning the same 3.00% 2.20%...

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2.75% APY 60-Month CD At Prime Alliance Bank
UPDATE 9/4/2019: Rates lower – 60-month (2.75% APY) and 48-month (2.70% APY).

Deal Summary: CDs – 60-month (3.15% 2.75% APY) and 48-month (3.05% 2.70% APY), $500 minimum deposit.

Availability: Nationwide through online application.

I’m starting this blog post with a quote from this week’s CD Rates Summary.

I’m pleased to update that statement: Utah-based Prime Alliance Bank (Prime Alliance) is currently offering 3.15% 2.75% APY and 3.05% 2.70% APY on its nationally available 60- and 48-month CDs, respectively. Either CD can be opened with a $500...

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