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Old 02-25-2019, 11:46 AM   #261
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Just applied for two CDS at Andrews with the Military Saves 3.21% for six months - we'll see if this works...
I thought they had stated only one of these special CDs per customer.
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Old 02-26-2019, 10:26 AM   #262
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Got off the phone with Andrews this morning - linked our Discover account to our Andrews share account so I could do an ACH transfer. Aaaaand Discover says the ACH initiated this morning will arrive at Andrews on 3-1. gonna be tight on timing. Andrews is open 10 to 2 on 3-2.
I just did the same with my discover account but to different institution. What is with the 4 ...almost 5 business days for ACH
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Old 02-26-2019, 10:31 AM   #263
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Opened an Andrews CU CD yesterday as well. Waiting for the transfer to happen from a WF account.
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Old 02-26-2019, 11:06 AM   #264
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I just did the same with my discover account but to different institution. What is with the 4 ...almost 5 business days for ACH
Discover was my hub account but Ally is doing better for us now. Wires are easier and a bit cheaper from Ally vs Discover as well. Both have high daily limits, which is good. ACH'd from Ally to Columbia CU on the same day - be interesting to see how soon it arrives. Gotta say (sorry) it is good you are looking at the same 4-5 business day transfer speed - was feeling like a second class citizen.
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Old 02-26-2019, 01:26 PM   #265
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Space Coast Credit Union Has New 15-Month CD, 3.29% APY

These folks a just down the road from us....
You must live or work in the counties they serve in florida to open an account.
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Old 02-26-2019, 02:27 PM   #266
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You must live or work in the counties they serve in florida to open an account.
Yes unfortunately Credit Unions do have restrictions, location, military affiliations etc., some are easier than others.
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Old 02-27-2019, 08:02 AM   #267
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Discover was my hub account but Ally is doing better for us now. Wires are easier and a bit cheaper from Ally vs Discover as well. Both have high daily limits, which is good. ACH'd from Ally to Columbia CU on the same day - be interesting to see how soon it arrives. Gotta say (sorry) it is good you are looking at the same 4-5 business day transfer speed - was feeling like a second class citizen.
Requested ACH transfers from Ally and Discover online on Sunday the 24th. I had done an ACH to the receiving bank 2 weeks ago from Ally; the receiving bank for Discover was new to them. Funds are available at the receiving bank this morning from the Ally transaction, the Discover transaction is in the saddlebags of the pony galloping between banks I guess.
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Old 02-27-2019, 04:40 PM   #268
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OK - sold my short term muni bond fund at Fidelity on Monday. Transferred the proceeds to Andrews on Tuesday. Opened the CD today.

The only thing it took me forever to find the spot to open it. All the links send you over to their alternate "application" site, even when you select that you are a current member. I finally found an small obscure "+" icon that when scrolled over said "add new product". It was in the middle of a row of obscure small icons, under a couple of rows of pop-down menus/tabs with ads in between! Arrrgh!

I think they keep changing the UI and hiding things! I new I'd found it before, but never remember the only link being an icon.

I have the CD opened and funded. We'll see what happens when they get my application from the other yucky site. I sent a secure message telling them to cancel that "application".
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Old 02-28-2019, 12:31 PM   #269
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Requested ACH transfers from Ally and Discover online on Sunday the 24th. I had done an ACH to the receiving bank 2 weeks ago from Ally; the receiving bank for Discover was new to them. Funds are available at the receiving bank this morning from the Ally transaction, the Discover transaction is in the saddlebags of the pony galloping between banks I guess.
Discover funds made it to Andrews this morning and now are in a 6-month CD. Ally was a day faster, but Discover was 1 day earlier than they had told me they would be.
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Old 03-01-2019, 04:27 PM   #270
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I was going to deposit $30K in the Andrews 6 month CD but noticed citibank has a promo where you earn $400 if you deposit $15K and keep it there for 2 months. You need to keep the accounts open for up to an additional 3 months more to collect the $400. You will need to leave $10K to avoid the $21 monthly fee. I opened an account for me and my wife. That's $800 for the average balance of about $25K for 5 months.
Checkout the link https://banking.citi.com/cbol/checki...1F0E49D5A875C9
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Old 03-03-2019, 11:51 AM   #271
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Rising Bank (St. Louis, MO) Online High Yield Savings account = 2.45%
$1000 minimum
No fees

https://open.risingbank.com/productSelection?prod=hys

CD rates also look good at this time
1 year = 2.85%
2 year = 2.95%
3 year = 3.0%

https://www.risingbank.com/rates#
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Old 03-18-2019, 04:22 PM   #272
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Space Coast Credit Union 3.8% 5 Year IRA CD.

I opened on today.
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Old 03-18-2019, 04:29 PM   #273
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Space Coast Credit Union 3.8% 5 Year IRA CD.

I opened on today.
Sweet!

Good job.
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Old 03-18-2019, 05:35 PM   #274
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Whoa!
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Old 03-20-2019, 08:30 AM   #275
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Space Coast Credit Union 3.8% 5 Year IRA CD.

I opened on today.
Nice rate! They have pretty restrictive membership qualifications (i.e. only certain counties in Florida)?
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Old 03-20-2019, 08:32 AM   #276
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Nice rate! They have pretty restrictive membership qualifications (i.e. only certain counties in Florida)?
Yes, a wide area of Florida though. For once a good rate came up somewhat near me. Most are quite restrictive.
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Old 03-20-2019, 01:01 PM   #277
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Fed has basically said they are done raising interest rates for the next two years. We've seen the top on CD yields. Grab whatever you can as yields will likely continue to slide.
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Old 03-20-2019, 01:22 PM   #278
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Fed has basically said they are done raising interest rates for the next two years. We've seen the top on CD yields. Grab whatever you can as yields will likely continue to slide.
It would be really interesting to see what rates would be if the market determined what risk is worth without central banks interfering.
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Old 03-20-2019, 01:43 PM   #279
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It would be really interesting to see what rates would be if the market determined what risk is worth without central banks interfering.
Agreed - I've thought the same forever.
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Old 03-20-2019, 02:01 PM   #280
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It would be really interesting to see what rates would be if the market determined what risk is worth without central banks interfering.

Particularly since without said 'interference' the market would likely be subject to far more drastic booms and busts as in the era prior to the Fed's existence.
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