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Premium Bonds
Normally only a cd purchaser this past year and knowing very little about bonds I purchased bonds for the first time when rates on bonds surpassed rates on cd's. When I received my... read more
Delete Old Notifications
Is there a way to delete old notifications from my notifications list? I have alot of entries and would be easier to see most recent ones if i could do this.
(I appreciate everyon... read more
What Are 2 Acceptable Forms Of Government IDs To Join Department Of Commerce CU
Can anyone share their joining and account opening experience? It requires to upload 2 forms of ID. Driver license counts as 1. If one cannot locate SSN card and passport already e... read more
EWP On Andrews 84 Month CD Changes From 180 Days To 360 Days.
Has anyone recently closed early your 84 month CD which you opened before the new 360 days EWP phrase was added? Were you charged 180 or 365 days dividends?
According to current ... read more
How Does Relationship Rewards Work At Department Of Commerce FCU?
QUESTION 1: Does anyone really know how Relationship Rewards work at Department of Commerce FCU? In other words, how to achieve Gold Member status so that we can get extra 0.... read more
NASA - How Many Days To Fund CD?
I would like to become a member of NASA and open a CD. When I apply for membership online, do I have the ability to lock the rate while they process my application (they said it co... read more
What's The Point Of Callable Cds ?
Seems banks mostly only offer callable CDs (brokered). The first call is usually less than a year and you can usually buy a year CD with a better yield. What's the point?
Ya think... read more
I Want To Close A Bank Account. Can I Just Withdraw All The Funds Or Do I Have To Officially Close The Account?
I want to close a bank account. Can I just withdraw all the funds or do I have to officially close the account? Is there a difference? Will the bank automatically close an account ... read more
2 Week Treasury?
Ive never seen this before
UNITED STATES TREAS BILLS ZERO CPN 0.000
-- 02/28/2023 -- -- -- 4.487 Yes 02/14/2023 02/16/2023 CP SFP
RI... read more
I Bonds Lowest Yield
I hate to ask such a stupid question that I should be able to figure out. What is the lowest yield the I bond has ever paid. I get that everyone thinks it's a no brainer, but if it... read more
CD Rate Declines In 2023
I am wondering if anyone wants to try to predict what will happen to medium to long term CD Rates in 2023. I believe that starting in April or May the 5 year CD rates will be 50 to... read more
Department Of Commerce FCU Upgrade To Current Rates
This question is for timnok. According to your review post on Dept of Commerce FCU updated 11-30-22, you stated, "called this week and was able to upgrade my IRA and CDs VERY easil... read more
Does NASA Have the same "No EWP" loophole as GTE?
much discussion of SouthernGirl's great find of the bad GTE EWP language that said the EWP comes out of dividends - and many of us have used that to withdraw all our funds on low-y... read more
5 Year Cd Whose Early Withdrawal Penalty Gets Smaller As Maturity Approaches
Have you ever come across a 5 year cd whose early withdrawal penalty gets smaller and maturity approaches?
Example :
for a 5 year cd:
during the first year of ownership EWP is 3... read more
US Alliance EWP
Has anyone broken a CD with US Alliance? I am just wondering if they might be like GTE?
“If earned dividends are not sufficient to cover the penalty, the early withdrawal penalty ... read more
Underestimating Taxes
Because of the increased rates on cd's last year many people underestimated their 2022 quarterly federal (and state) estimated tax payments, myself included. I was under the impres... read more
GTE Early Withdrawal Penalty
Has anyone had an experience of breaking GTE CD and taking on Early Withdrawal Penalty?
I am coming across the situation arguing with GTE how to properly calculate EWP.
Can't figur... read more
Best Bank To Work As A Hub Account
Moving money from one bank to another very quickly is the requirement.
All suggestions welcome. Thanks... read more
I Bond Total Of Deposits Plus Interest
I've been buying Ibonds for several years now. On the TreasuryDirect website, my total balance for the Ibonds is only the amount that I actually deposited. I do not see any interes... read more
Frontwave Hard Credit Pull?
CSR told me they don't do a hard credit pull, only for loans. Anybody know for sure that's applied recently?... read more