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Old 06-28-2019, 07:20 AM   #421
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Most of us have no chance of reading what's behind that naked link. What does it say, other than Ally cut their rate (as most online banks have/will done/do?
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Old 06-28-2019, 12:09 PM   #422
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Most of us have no chance of reading what's behind that naked link. What does it say, other than Ally cut their rate (as most online banks have/will done/do?


See the extensive quote njhowie posted in the shadow box above the link
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Old 06-28-2019, 02:30 PM   #423
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Navy has a 10-month "special" - 2.75 APY, 2.71 Divvy. $50 min, $100K max. Limit 1 per person. 90 day EWP; can withdraw divs prior to maturity.
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Old 06-28-2019, 02:37 PM   #424
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We are all done for the next 24 months. Averaging 3.52% on our cash stash, 50% & 50% split basically evenly between taxable and qualified funds.
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Old 06-30-2019, 07:20 AM   #425
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Space Coast CU Florida Still paying premium rates for IRA Money and pretty good for Cashish too. A & A+ rated. https://www.sccu.com/

12 Months 3.00% 3.03%apy
18 Months 3.05% 3.09%apy
24 Months 3.25% 3.29%apy
30 Months 3.30% 3.34%apy
36 Months 3.45% 3.49%apy
48 Months 3.65% 3.70%apy
60 Months 3.80% 3.85%apy
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Old 06-30-2019, 08:06 AM   #426
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^^^^
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SCCU membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida, as well as to the immediate family of current members.
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Old 06-30-2019, 09:10 AM   #427
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I’m not surprised at the drops since short term rates have been dropping already.
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Old 07-01-2019, 02:52 PM   #428
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We are all done for the next 24 months. Averaging 3.52% on our cash stash, 50% & 50% split basically evenly between taxable and qualified funds.


Well done, SWR.
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Old 07-04-2019, 06:14 AM   #429
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I may have missed this on the posts but I thought this was a handy calculator for determining the impact of early withdrawal. https://cdcalc.herokuapp.com/#report

And this one provides a go/no good suggestion based on return after early withdrawal penalties https://www.depositaccounts.com/tool...alculator.aspx

Thanks shockwaverider about the Seattle Bank tip.
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Wealthfront
Old 07-08-2019, 04:53 AM   #430
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Wealthfront

Just saw an ad for Wealthfront front cash account paying 2.57%. $1 million FDIC, and unlimited transactions. Have no personal experience with them, but I guess that may invite a lot of sales calls for their advisory services.
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Old 07-08-2019, 10:37 AM   #431
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That Wealthfront Account looks intriguing. Close to TGTBT. How can they possibly pay so well and collect a middleman fee? Iíll just watch for now.
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Old 07-08-2019, 09:19 PM   #432
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Navy Federal Credit Union (NFCU) just posted a new CD deal today. 3.5% APY 5 year. $1K minimum/no max. 12 mo. EWP. Membership has some stringent restrictions.

Anchors aweigh!
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Old 07-08-2019, 09:20 PM   #433
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^^^ great deal. Unfortunately, I have checked into it in the past and I don't qualify.
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Old 07-09-2019, 05:44 AM   #434
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Navy Federal Credit Union (NFCU) just posted a new CD deal today. 3.5% APY 5 year. $1K minimum/no max. 12 mo. EWP. Membership has some stringent restrictions.

Anchors aweigh!
Ooh. I like this. We have a maturing Ally CD coming due at the beginning of August and I've been looking for a good rate. I hadn't wanted to go out 5 years, but that rate is very attractive. We have another CD at Navy and have found their platform easy to work with. NASA is another CU that we have found easy to work with and which frequently posts good rates. None at the moment though.
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Old 07-10-2019, 06:07 AM   #435
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For all the runners/joggers/walkers and folks who regularly exercise, here is a new one with a twist - (up to) 3.0% savings account.

https://fitnessbank.fit

if you're age 65 or over:
https://fitnessbank.fit/content/senior-fitness-savings (only 10,000 average daily steps vs. 12,500 for younger folks).

younger folks:
https://fitnessbank.fit/content/fitness-savings-0
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Old 07-10-2019, 07:08 AM   #436
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Crazy!

Wouldn’t work for me as I do lots of fitness activities that don’t translate to steps.
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Old 07-10-2019, 06:29 PM   #437
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With rates dropping, I transferred a bit more from Fido MMF to NFCU CD - started at 18 mos and have been adding as CD market softened. 3.2% with 14 mos remaining.
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Old 07-14-2019, 05:56 AM   #438
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This was just posted yesterday:

The Federal Savings Bank Offers Top-Rate 5-Year CD, 3.30% APY, new money, minimum $10,000.
Availability: Nationwide through online application.

However I'm planning on opening a 5 year 3.5% Share Certificate at Navy tomorrow. I'm lending myself money from our emergency account to open the CD until a CD matures at the beginning of August.
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