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Old 08-03-2018, 12:59 PM   #41
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Pfft...pocket change.

omni
Let's switch pockets.
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Old 08-03-2018, 01:04 PM   #42
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Originally Posted by audreyh1 View Post
Crap!

There are limits of 6 withdrawals from their high yield savings account - but I don’t think that’s what you ran into as you deposited in checking.

Also, you can open multiple CDs at once.
That's what I thought I was trying to do, but I think I may have done it wrong, thus something redflagged me. The closed CD's went into our Ally Checking Account so it wasn't the too many WD issue. The thing that annoyed me was the customer rep couldn't override the situation or get me to the back office where they could fix it immediately. So here I sit and wait for the call to fix this.
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Old 08-03-2018, 01:06 PM   #43
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Is there a maximum on the deposit amount per account? Curious why you want to open so many...
I wanted flexibility in case I wanted some of the money to invest elsewhere or cover an expense. That way I wouldn't have to close out more than I needed to, so I opened four $25,000 Cd's and one $50,000 CD.
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Old 08-03-2018, 05:06 PM   #44
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Heartland Bank, a regional bank (various locations). Their Princeton IL bank has 2.10% 14 month CD offer as of 8/1/18. Minimum of $5,000. They said it has to be "new money" to their bank. I asked if a person couldn't use money that was already on deposit there ?? They said Yes, with special permission.

That's the best I've found searching on-line today at local institutions.
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Old 08-04-2018, 08:53 AM   #45
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US Senate Federal Credit Union has a 5 year 3.53% CD with a 1 year EWP.

Greenwood Credit Union has a 3 year 3.25% CD with a 6 month EWP.

I currently have a 2.25% CD with Barclays that will cost me 6 months worth of interest to terminate early but I'm thinking the Greenwood deal is hard to beat with only a 6 month EWP and a full percentage higher rate.
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Old 08-04-2018, 09:47 AM   #46
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Barclay is advertising 1.85% on their savings.
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Old 08-04-2018, 10:05 AM   #47
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Bloomberg is showing the 1 year Treasury @ 2.41%. No state tax on Treasuries as well.
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Old 08-04-2018, 10:50 AM   #48
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freedom cu

freedom cu has 30 month 3.56%
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Old 08-04-2018, 01:23 PM   #49
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This week's ST Treasury are 2.01 for 3 months and 2.20 for 6 month. Takes about 2 clicks to buy at Fido. If you had to sell, Fido only charges a $1/1000 bond--10k of value+10 bonds+$10 sales cost
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Old 08-05-2018, 09:59 AM   #50
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Does anyone keep a million in cash?
in Cash? Well, if you do, you might want one of these:
https://sdrtraveller.com/products/1m...ant=1064288871
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Old 08-05-2018, 11:32 AM   #51
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in Cash? Well, if you do, you might want one of these:
https://sdrtraveller.com/products/1m...ant=1064288871
It's sold out.
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Old 08-05-2018, 12:42 PM   #52
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No worries - a brown paper grocery bag will serve the purpose and can be sourced for under $220. Curious Copyright 1997 - you found that website how??
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Old 08-05-2018, 02:23 PM   #53
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Direct Federal Credit Union has 30 Month 3.05%
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Old 08-05-2018, 02:28 PM   #54
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Does anyone keep a million in cash?
Times 2+

To be honest, it's a bit of a PIA splitting these up at a bunch of different banks to stay under the 250k FDIC limits. Am considering combing some where the rates are best.
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Old 08-05-2018, 02:45 PM   #55
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Times 2+

To be honest, it's a bit of a PIA splitting these up at a bunch of different banks to stay under the 250k FDIC limits. Am considering combing some where the rates are best.
Going through a brokerage can help with this. You are not having to deal with the different banks directly.
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Old 08-05-2018, 07:00 PM   #56
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I just found this savings account, yielding 2.05% on the end of an article on savings/CDs/MM accounts.

https://www.salemfivedirect.com/#eonesavings
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Old 08-05-2018, 07:49 PM   #57
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No worries - a brown paper grocery bag will serve the purpose and can be sourced for under $220. Curious Copyright 1997 - you found that website how??
Doesn't everyone keep a certain amount of "mad money"?

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Old 08-05-2018, 11:40 PM   #58
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Direct Federal Credit Union has 30 Month 3.05%
This is a very nice rate !
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Old 08-06-2018, 03:27 AM   #59
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Citizens Access now coming in with 2.0% savings

This is an "online only" part of Citizens Bank - 13th largest retail bank in the US.

"No fees, for anything"

https://www.citizensaccess.com/onlin.../overview.html
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Old 08-06-2018, 06:34 AM   #60
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This is a very nice rate !

It is. Just not sure I want to go longer than 2 years at this point.
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