I think a LOT of DAers will have multiple CDs maturing the end of August, as a whole bunch of FIs had CD Specials in the past with their maximum maturity being August 31, 2025.
I didn't get them all, but definitely got some of them. MACU's 5.25% is taken care of by having opened the 5% MACU 18-mo Add-On back in the spring to shift it to (for 13 more months at 5%) but it has a 100k max, so there was still what to do with the ones from other FIs.
In the end, I decided to drain all of my liquid funds to use for some good summer CD Specials, since I don't have confidence there will be great Sept CD specials. When the CDs mature the end of next month, I'll use them to replenish the drained liquid funds. That got me to a good part of what will mature in August besides MACU, but the rest I'll have to see what's out there when they mature.
NASA currently has some good specials for July, but they're only until the end of July, not August. But remember, certain FIs (NASA, SallieMae, Bask, many others) give you 10 days to fund a CD after opening, so if any of the FIs that do this have good specials the end of August, you can always "open" an unfunded CD the very end of Aug, and if no better specials come out the beginning of Sept, then fund it within those extra 10 days (if there's something better elsewhere just don't fund it, and it will cancel without penalty).
But I think a lot of DAers will be checking out CD rates the end of next month :)
