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08-06-2018, 06:57 AM
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#61
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Thinks s/he gets paid by the post
Join Date: Jun 2013
Posts: 2,522
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 Quote:
Originally Posted by Livefree
It is. Just not sure I want to go longer than 2 years at this point.
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As I mentioned above, as if Friday, Wells Fargo and JP Morgan were showing 2 year at 3.3% in my brokerage fixed income screener(callable).
Sent from my iPad using Early Retirement Forum
__________________
"Luck favors the prepared mind"
Pasteur
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08-06-2018, 08:43 AM
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#62
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Thinks s/he gets paid by the post
Join Date: Mar 2004
Posts: 3,433
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Quote:
Originally Posted by copyright1997reloaded
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They are still offering the RF/EMI shielding version, but as each one is custom-made, please allow for 1 month manufacturing & testing time.... 
https://sdrtraveller.com/products/1m...nt=43001521806
omni
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08-06-2018, 09:10 AM
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#63
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Thinks s/he gets paid by the post
Join Date: Jul 2002
Posts: 1,587
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Citizens Access (online subsidiary of Citizens Bank) has hit 2% on online only savings.
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08-06-2018, 09:31 AM
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#64
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Recycles dryer sheets
Join Date: Jul 2015
Posts: 61
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I just opened up a money market account at Lakeland Bank (many locations in NJ) at 2.05%. Guaranteed until October 2019. Not an online account. (I moved it from another bank that was giving me 1.6%). That's $1000 in interest extra a year. I guess I'd keep moving it for at least $500/yr. Why not? - it takes less than an hours worth of my time for me.
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08-06-2018, 09:33 AM
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#65
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,717
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Anyone think we will see 4% CDs by Year End?
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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08-06-2018, 09:51 AM
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#66
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Thinks s/he gets paid by the post
Join Date: Jan 2008
Posts: 1,670
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Quote:
Originally Posted by Golden sunsets
As I mentioned above, as if Friday, Wells Fargo and JP Morgan were showing 2 year at 3.3% in my brokerage fixed income screener(callable).
Sent from my iPad using Early Retirement Forum
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I just ordered some Wells new issue mature 8/16/20: 2.8% - settlement is next week so final yield might vary. I avoid callable CDs and bonds. Too much risk.
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08-06-2018, 02:13 PM
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#67
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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Quote:
Originally Posted by Golden sunsets
As I mentioned above, as if Friday, Wells Fargo and JP Morgan were showing 2 year at 3.3% in my brokerage fixed income screener(callable).
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I bought a few of those Wells Fargo CDs.
The interest schedule is:
2.55% through 8/2019
3.0% through 2/2020
5% through 8/2020
The very high likelihood is that they will call in Feb 2020 when the rate would go to 5% for the final 6 months. You get to 3.264% only if they pay the CDs for the full 2 years and don't call. If they call at 2/2020 it comes to 2.7%.
However, the way I looked at it was that 2.55% is better than the 1 year rate today. Should they not call at 1 year and go another 6 months or year, it's gravy.
I also bought the HSBC incarnation for 5 years:
3.0% through 2/2021
3.625% through 2/2022
3.875% through 8/2022
4.375% through 2/2023
4.875% through 8/2023
Again, 3.0% is a good rate for the first 2.5 years, anything after that will be gravy.
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08-06-2018, 04:54 PM
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#68
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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: 38,139
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I was able to upgrade two of my CDs online, no problems. Hope you get your call back!
__________________
Retired since summer 1999.
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08-06-2018, 05:27 PM
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#69
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Recycles dryer sheets
Join Date: Oct 2009
Posts: 246
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Quote:
Originally Posted by fixedonly
freedom cu has 30 month 3.56%
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Just picked two up today. Easy over the phone since I'm already a member and have another CD there.
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08-06-2018, 05:34 PM
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#70
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Recycles dryer sheets
Join Date: Nov 2015
Location: Colorado
Posts: 128
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Just got 1yr at Fidelity 2.3%
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08-06-2018, 05:56 PM
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#71
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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Quote:
Originally Posted by Callitaday2022
Just got 1yr at Fidelity 2.3%
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If you're dealing with Fidelity, at this time, it's better to opt for the equivalent maturity Treasuries as opposed to the CD. Rates breakeven at about 15 months - less than that, treasury yields are higher and the intersest is free from state taxes. For example, instead of your 2.3% 1 year CD, you could have gotten 2.48% 1 year treasury and again, interest on the treasury is free from state taxes.
It is very easy/straightforward to purchase treasuries on Fidelity's website - just play around with it, you'll probably quickly figure it out. If not, do not be shy about calling and speaking with a representative who will gladly walk you through it.
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08-06-2018, 06:00 PM
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#72
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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: 38,139
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Quote:
Originally Posted by njhowie
If you're dealing with Fidelity, at this time, it's better to opt for the equivalent maturity Treasuries as opposed to the CD. Rates breakeven at about 15 months - less than that, treasury yields are higher and the intersest is free from state taxes. For example, instead of your 2.3% 1 year CD, you could have gotten 2.48% 1 year treasury and again, interest on the treasury is free from state taxes.
It is very easy/straightforward to purchase treasuries on Fidelity's website - just play around with it, you'll probably quickly figure it out. If not, do not be shy about calling and speaking with a representative who will gladly walk you through it.
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Do you work for Fidelity? LOL!
__________________
Retired since summer 1999.
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08-06-2018, 06:02 PM
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#73
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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Quote:
Originally Posted by audreyh1
Do you work for Fidelity? LOL!
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No, but obviously I am a big fan.
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08-06-2018, 07:05 PM
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#74
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Location: Southern California
Posts: 3,999
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Quote:
Originally Posted by Henry Lili
Just picked two up today. Easy over the phone since I'm already a member and have another CD there.
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It looks like they only charge a six month early withdrawal penalty, so at 3.56% for 3 years that looks like the best overall deal out there. I think I'm going to move my money over tomorrow.
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08-06-2018, 09:11 PM
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#75
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Recycles dryer sheets
Join Date: Oct 2009
Posts: 246
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Quote:
Originally Posted by Ready
It looks like they only charge a six month early withdrawal penalty, so at 3.56% for 3 years that looks like the best overall deal out there. I think I'm going to move my money over tomorrow.
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That's correct. Six months penalty is the deal. Only a seven day Grace period at renewal to pull money out versus the more usual ten. Not a big deal just thought I'd make mention .
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08-06-2018, 09:44 PM
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#76
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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: 38,139
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Most of the new rates can be found in a timely manner at https://www.depositaccounts.com/blog/
__________________
Retired since summer 1999.
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08-07-2018, 08:44 AM
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#77
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Posts: 12,651
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Penfed 1-year CD 2.45%
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Even a blind clock finds an acorn twice a day.
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08-09-2018, 07:38 AM
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#78
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,717
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Rocky Mountain Credit Union (RMCU) recently raised the rates on its long-term Share Certificates, with the 60-month (3.50% APY)
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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08-10-2018, 08:04 AM
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#79
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,717
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Here it is the first 4% CD (Limited funds though) $75k let us hope this is a trend.
Achieva Credit Union (Achieva) is currently offering amazingly competitive rates on its 60-month IRA/457B Plus (4.20% and 4.10% APY) and 60-month IRA/457B (4.00% APY).
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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08-10-2018, 08:25 AM
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#80
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Location: Southern California
Posts: 3,999
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Quote:
Originally Posted by ShokWaveRider
Here it is the first 4% CD (Limited funds though) only $75k let us hope this is a trend.
Achieva Credit Union (Achieva) is currently offering amazingly competitive rates on its 60-month IRA/457B Plus (4.20% and 4.10% APY) and 60-month IRA/457B (4.00% APY).
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If I'm reading their website correctly, the 4.20% rate has a $75K minimum, not maximum. If so, that's a great rate. Too bad it's only for retirement accounts.
It looks like it's only available to local Florida residents too.
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