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Joined: Oct 30, 2011Comments: 16
Forum Threads: 18Forum Posts: 90
Rep Points: 302

Recent Community Posts

Safety Of Online Banking
Updated: Oct 15, 2016 by Ricochet  |  7 comments  |  Miscellaneous

Hi. I'm thinking of opening up an online savings account at either Ally, Synchrony, or American Express for their better interest rates than the banks in read more

Quroum 1.40% 10-Month Term Account Over?
Updated: Oct 5, 2016 by Anon456  |  4 comments  |  Bank Deals

It's no longer on current rate chart, Quorum's Current Rates | Quorum

Big Rate Changes At Ally? (Update: False Alarm)
Updated: Sep 26, 2016 by RJM  |  8 comments  |  Bank Deals

Surprised nobody is talking about it.  . But the bottom line is a decline on savings & money market rates and a massive increase in the read more

30-Month CD Promotion
Updated: Sep 26, 2016 by RJM  |  5 comments  |  Bank Deals

Unless my eyes deceived me, I saw an ad on Ally's website for a limited-time promotion of a 1.50% APY "Select CD."  The promotion runs through read more

Deposit Accounts Email
Updated: Sep 26, 2016 by Anon456  |  4 comments  |  Ask The Community

I received the following email from Deposit Accounts showing large rate drops at Ally Bank.  I don't see the drops at Ally.  Anyone receive read more

The End Of Social Security
Updated: Sep 15, 2016 by paoli2  |  7 comments  |  Financial News

Today's doom and gloom report: one famous economist, James Dale Davidson, boldly states… “We could see the end of Social Security as soon as 2017,  read more

Buying Cds From Out Of Town And Maturity Problems
Updated: Sep 10, 2016 by paoli2  |  28 comments  |  Ask The Community

After all my years of purchasing CDs from all over the US, I have run into a problem which some may not be aware of.  It seems certain credit unions, read more

How Does Somebody Use Their Money From Their Checking Or Savings Account To Buy A Car?
Updated: Sep 2, 2016 by Ally6770  |  9 comments  |  Ask The Community

I'm not asking how someone manages to come up with the money or save it effectively over time. I'm asking if someone already has the money, how does the read more

Transferring Money To And From Online Only Banks
Updated: Sep 1, 2016 by Ally6770  |  6 comments  |  Ask The Community

I've only been using brick and mortar banks, but I think I want to start a savings account with the only banks like Ally, American Express, Synchrony, or read more

Waiting Until 70 For SS
Updated: Aug 26, 2016 by Bozo  |  9 comments  |  Miscellaneous

I have read several articles lately about those who have waited to collect SS until 70. If they are not working they have to sign up for Medicare. read more

Slow Go To Get Money Out
Posted: Aug 23, 2016 by Anon456  |  0 comments  |  Bank Reviews

FYI - just had large CD mature. Turns out ACH to external account is limited to $10K, and only 6 transactions per month. They participate at shared read more

US Alliance How To?
Updated: Aug 16, 2016 by klink  |  5 comments  |  Ask The Community

For those that have or had CD accounts with US Alliance, how did you redeem your certificates upon maturity? I have read their disclosures and they say read more

No Out Of State Accounts
Posted: Jul 7, 2016 by Anon456  |  0 comments  |  Bank Reviews

If you do not already have an account, and live out of state, you are out of luck. Local state customers ONLY.

Xcel CU - Worst Nightmare Ever. Time To Rethink Credit Unions?
Updated: Jun 21, 2016 by John Sears  |  9 comments  |  Miscellaneous

They made me join some lame $5 outfit, I did. They had me fund a Savings Acct. with $5.  I did. When I wanted to move over $240K to eventually fund read more

CD Specials Of Various Terms
Updated: May 12, 2016 by dlweiss0622  |  8 comments  |  Bank Deals

Veridian looks to have a set of CD specials all with $1000 minimum. Here's the rundown by APY: 7 month 0.5%  9 month 0.85% 15 month 1.11% 25 month read more

Customer Be Damned
Posted: May 12, 2016 by Anon456  |  0 comments  |  Bank Reviews

Management reserves the right to make changes on the fly. If it impacts you, the customer, ..... well too bad. It is their business, so I will take mine

Updated: May 9, 2016 by jimbeau  |  13 comments  |  Ask The Community

I have $250,000 in CD's that just matured and another $250,000 maturing in a couple of months and another $500,000 maturing next year.  I was read more

15 Month CD At 3% APY For Military Members
Updated: May 8, 2016 by Anon456  |  3 comments  |  Bank Deals

Navy Fed CU for Military Appreciation Month (of May), is offering a 3% APY, 15 month CD, max Funding is $10k.  You can read more about it read more

AZ State Only
Posted: Mar 28, 2016 by Anon456  |  0 comments  |  Bank Reviews

Just got in an email that they do NOT want to accept out of state customers at this time.

Direct Transfer Warning
Updated: Mar 5, 2016 by Anon456  |  3 comments  |  Miscellaneous

In January, I had three taxable CDs that needed attention, and 3 IRA CDs between myself and my wife. Taxable CD movement always takes some hand holding, read more

Alert For Those In HSBC Promo Advance Savings -- Changes
Updated: Jan 24, 2016 by me1004  |  40 comments  |  Miscellaneous

HSBC Bank has issued a notice that on Nov. 2, it will be changing statements and interest postings from monthly to quarterly. This is a very significant read more

How Many Direct CD's At Different Online Banks Is Too Many?
Updated: Jan 15, 2016 by Sevenpercent  |  7 comments  |  Ask The Community

Say you have laddered CD's maturing at different times, and you want the best rate in effect when it matures.  I can see how you could easily have read more

How To Avoid Double Taxation Of Unused Required Minimum Distributions?
Updated: Dec 22, 2015 by Ally6770  |  5 comments  |  Ask The Community

When retirees reach 70 1/2 and have to withdraw their Required Minimum Distribution from their IRAs they pay taxes on the amount and if it is a hefty read more

Happy Thanksgiving, Ken!
Updated: Nov 26, 2015 by pearlbrown  |  5 comments  |  Miscellaneous

Ken,  best wishes and sincere thanks to you, as well as to your colleagues and technical partners, for all the hard work, dedication, and read more

Harvest Certificate - 2.00% APY* 32-Month Savings Certificate From Elements Financial
Updated: Nov 5, 2015 by Anon456  |  1 comment  |  Bank Deals

Elements Financial is introducing its Harvest Certificate Special on November 4 – a 2.00% APY* Savings Certificate for a term of 32-months with nice, low read more

Social Security Question
Updated: Oct 31, 2015 by Ally6770  |  5 comments  |  Ask The Community

I just read today that the new budget will take away the ability to file and suspend which had been available to spouses.  So if I had planned to read more

Inactive Account Fees For Share Account
Updated: Aug 29, 2015 by RateSaver02  |  19 comments  |  Bank Deals

I just received the Fee Schedule for Valor Credit Union, effective 3/17/2015.  I note that there is an "Inactive account fee" for the $5.00 share read more

25 Month 2.01% CD
Updated: Jul 14, 2015 by scottj  |  19 comments  |  Bank Deals

Looks like it might be back? Just got this email. Not sure if it's a targeted offer Summer Savings Specials. 25 Month CD 2.01% APY. MyLife Money Market read more

2% Special Is Gone
Posted: Jul 14, 2015 by Anon456  |  0 comments  |  Bank Reviews

Looks like they quit offering the special as of 7/6/15. More on this later. I am working out an issue with them about this rate on an IRA transfer. read more

Update On Promo
Posted: Jul 1, 2015 by Anon456  |  0 comments  |  Bank Reviews

I have been an existing customer for years. They did have a provision to allow existing member to use the promo IF they referred a new customer. CSR told read more