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08-03-2018, 12:59 PM
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#41
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,197
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Quote:
Originally Posted by omni550
Pfft...pocket change.
omni
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Let's switch pockets.
__________________
TGIM
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08-03-2018, 01:04 PM
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#42
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Thinks s/he gets paid by the post
Join Date: Jun 2013
Posts: 2,518
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Quote:
Originally Posted by audreyh1
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.
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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.
__________________
"Luck favors the prepared mind"
Pasteur
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08-03-2018, 01:06 PM
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#43
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Thinks s/he gets paid by the post
Join Date: Jun 2013
Posts: 2,518
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Quote:
Originally Posted by ExFlyBoy5
Is there a maximum on the deposit amount per account? Curious why you want to open so many...
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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.
__________________
"Luck favors the prepared mind"
Pasteur
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08-03-2018, 05:06 PM
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#44
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Recycles dryer sheets
Join Date: Oct 2015
Posts: 198
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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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08-04-2018, 08:53 AM
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#45
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Location: Southern California
Posts: 3,995
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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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08-04-2018, 09:47 AM
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#46
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Thinks s/he gets paid by the post
Join Date: Jan 2010
Location: 5-sided building
Posts: 1,183
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Barclay is advertising 1.85% on their savings.
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08-04-2018, 10:05 AM
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#47
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Posts: 3,046
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Bloomberg is showing the 1 year Treasury @ 2.41%. No state tax on Treasuries as well.
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08-04-2018, 10:50 AM
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#48
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Confused about dryer sheets
Join Date: Aug 2018
Location: PACIFICA
Posts: 2
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freedom cu
freedom cu has 30 month 3.56%
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08-04-2018, 01:23 PM
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#49
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: W Wash
Posts: 1,643
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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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08-05-2018, 09:59 AM
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#50
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Location: Upstate
Posts: 2,944
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Quote:
Originally Posted by Dtail
Does anyone keep a million in cash?
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in Cash? Well, if you do, you might want one of these:
https://sdrtraveller.com/products/1m...ant=1064288871
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08-05-2018, 11:32 AM
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#51
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,197
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__________________
TGIM
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08-05-2018, 12:42 PM
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#52
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: Independence
Posts: 7,271
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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??
__________________
"Be kind whenever possible. It is always possible." Dalai Lama
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08-05-2018, 02:23 PM
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#53
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Recycles dryer sheets
Join Date: Dec 2005
Posts: 317
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Direct Federal Credit Union has 30 Month 3.05%
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08-05-2018, 02:28 PM
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#54
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,836
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Quote:
Originally Posted by Dtail
Does anyone keep a million in cash?
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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.
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08-05-2018, 02:45 PM
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#55
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by Car-Guy
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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Going through a brokerage can help with this. You are not having to deal with the different banks directly.
__________________
Retired since summer 1999.
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08-05-2018, 07:00 PM
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#56
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,925
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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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08-05-2018, 07:49 PM
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#57
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Location: Upstate
Posts: 2,944
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Quote:
Originally Posted by calmloki
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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Doesn't everyone keep a certain amount of "mad money"?
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08-05-2018, 11:40 PM
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#58
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Recycles dryer sheets
Join Date: Aug 2018
Posts: 75
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Quote:
Originally Posted by Livefree
Direct Federal Credit Union has 30 Month 3.05%
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This is a very nice rate !
__________________
The World Is A Book - You Choose How Many Pages to Read, Skim, or Skip. At times though, life limits your ability to pick up the book.
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08-06-2018, 03:27 AM
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#59
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,925
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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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08-06-2018, 06:34 AM
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#60
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Recycles dryer sheets
Join Date: Dec 2005
Posts: 317
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Quote:
Originally Posted by JustKickItForward
This is a very nice rate !
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It is. Just not sure I want to go longer than 2 years at this point.
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