Miscellaneous
Latest Discussions
Department Of Commerce Federal Credit Union
I notice that docfcu offers cds up to 84 months long. Has anyone tried this credit union that likes it? Also under deposit account's "health rating", can someone tell if if health ... read more
Ledyard Bank 5% APY 6-Month CD
Ledyard Bank has a "6-Month CD Special" 5% APY with $1 minimum deposit. A Ledyard checking account is required. Interest is compounded daily and paid monthly. https://www.depositac... read more
Regrets Perspective Requested
which would you have greater regrets from:
a) you invest in 5 year term 4.4 percent cd and then shortly after making that investment, rates go up soon to 6 percent, or
b) you wait... read more
Savebetter Be Careful When You Have A CD Maturing
I like SaveBetter, but their process for maturing CD's is different and could lead to a renewal that you did not want.
Most banks that I have dealt with have a grace period of 7-1... read more
Don't Open Two Certificates With The Same Amount Of Dollars For Two Different Terms
Hi friends. Murphy's law at work. I opened two cd's in the name of my trust, for the same amount of money, but with two different terms and therefore two different maturity dates.
... read more
Savers....We're In Trouble. 1 Mo. U.S. Treasury Yields
28 Day Treasury
Coupon Equiv Yield
03/30/2023 4.69
03/31/2023 4.69
04/03/2023 4.65
04/04/2023 4.61
04/05/2023 4.57
04/06/2023 4.53
04/07/2023 4.52
04/10/2023 4.48
04/... read more
SPACE COAST CREDIT UNION EWP 2 YEARS INTEREST !!!!
Earlier this month I had helped an elderly neighbor re-work some CD's to gain him additional interest. Navy Federal was great and SunCoast CU was just OK.
Now that I finished help... read more
Credit Union Rate Match
A good CSR is a wonderful thing.
I just missed a deal at Quorum by one day. The funds had just hit my savings account and I called in to open a CD only to discover that the deal h... read more
March CPI-U Inflation Number Out Wednesday.
The March CPI-U number is out Wednesday and will be the final input to the inflation number associated with I-bond rate.
I think inflation is going to continue to continue to drop... read more
Federal Income Tax Filing Deadline
It's darn near "that time of year" once again!
Most taxpayers are already aware, with 15th of April this year falling on a Saturday, that our deadline to file our taxes, and/or pa... read more
My CUSO Introduction
Today I was introduced to CUSOs, completely unaware throughout the experience. CUSO stands for Credit Union Service Organization. I'm such a dummkopf, I thought I was speaking with... read more
2023 Bankrate Awards
Quorum FCU won best credit union. CFG won best regional bank. I do business with both of these FI's and like them.
What gives me pause is that Ally won best bank overall and best ... read more
UFB FDIC TITLING ACCOUNTS
My interaction w UFB requesting TITLING of my Savings account as POD for maximizing FDIC Insurance.
------------------------------
-Sent to UFB the following:
FDIC:
Trust Relatio... read more
What is happening at Capital One?
What’s happening at Capital One? Even Discover, Marcus, Ally, and American Express currently offer higher rates than Capital One’s savings account. Most of Capital One’s direct CD ... read more
Ally Online Unavailable Sun 4-2-23, 130am-330am
Message on Ally Website:
"We're taking a time out for tech maintenance this Sunday. Logins won’t be available starting at 1:30 AM, but everything should be back up and running by 3... read more
EWP...Tips For Negotiating 6 Month Penalty
Hello all:
Last week I received a lot of helpful information from the readers here when I was attempting to help a neighbor deal with some low coupon long term CD's at Navy Federa... read more
On The CIT Bank Site Today...
"First Citizens Bank, of which CIT Bank is a division, has acquired Silicon Valley Bridge Bank, N.A. Learn more at https://www.firstcitizens.com/svb."... read more
I Purchased 10 $1,000 I Bonds Today.
5 each for two different people as beneficiaries. Was surprised that it seemed that I had to do each separately. Would have been more convenient if a person could have made 2 submi... read more
5 Percent 5 Year Or 4.32 Percent 6 Year
If I get to chose between a 5 percent 5 year 100K cd and a 4.32 percent 6 year cd also for 100k, what criteria do I use to make the decision? Which would you choose?Some background... read more
The Rule Of 72
You already know the rule, but perhaps it has escaped your attention or slipped your mind. For savers generally and for retirees in particular:
It turns out the number "72" is div... read more