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Old 01-25-2019, 01:00 PM   #161
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Jealous, just locked into 2.90% up here in the Bay Area. I knew thing's would change the minute I pulled the trigger.
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Old 01-25-2019, 08:37 PM   #162
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Finally a decent rate available in Southern California. Premier America Credit Union (open to LA and Ventura County residents) now has a 17 month 3.20% CD. EWP is 180 days worth of dividends, which I can live with.

I think this is where I'm going to park much of my short term cash.
I put a chunk of money yesterday in their 16 month 3.15%. When I saw the 17 month CD, I called them today and asked if I could close the 16 month and open the 17 month. I found out that their 180 day EWP will eat into your principal if you withdraw during the 1st 179 days. Because I was a bit forceful, the supervisor said they would make a one time exception and change 16 months to 17. I guess it pays to read the EWP penalty before continuing.
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Old 01-26-2019, 03:24 PM   #163
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Just locked in a 17-month 3,25 with Navy Fed. The max cd is $50K, which I jumped on quickly. This may be the best short-term CD out there now.
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Old 01-26-2019, 05:58 PM   #164
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Marcus no-penalty 13-month CD 2.35%, 11-month 2.3%, 7-month 2.25%

https://www.marcus.com/us/en/savings/no-penalty-cds


12-month high yield CD 2.75%

https://www.marcus.com/us/en/savings/high-yield-cds


High yield savings 2.25%

https://www.marcus.com/us/en/savings/high-yield-savings
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Old 01-26-2019, 07:55 PM   #165
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I went to Penfed last week to authorize roll over of my cd and ira. Representative told me the rates would be good to the end of the month. I'm not sure I will get the higher rate on the 23rd when it rolls over. I guess I'll call tomorrow and find out. The IRA rolls over beginning of Feb.



When I transferred my Roth IRA to Penfed about 5 years ago, it took forever to get the money transferred from Fidelity. I had to set up camp at the local Fidelity office to make it happen and was very disturbed with them.

The paperwork came through on the roll over and it had the 3.44% compounded to 3.5% like the representative promised. I guess Penfed is good on their word. Now to see what I get on a roll over of my Roth IRA CD that happens early in Feb. The site does not show a different rate for IRA versus regular CD like it did last month.
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Old 01-26-2019, 09:20 PM   #166
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Just locked in a 17-month 3,25 with Navy Fed. The max cd is $50K, which I jumped on quickly. This may be the best short-term CD out there now.
Yes, that's the best rate for non-IRA CD. For IRA CD, NFCU has 40 month at 3.75% which is also real good rate.
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Old 01-27-2019, 08:32 AM   #167
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CitBank has a 2.45% rate on their Savings Builder Account, if you have a balance of $25K or deposit $100/mo.
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Old 01-27-2019, 01:59 PM   #168
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What do you think of Citizen's Access bank?

https://www.magnifymoney.com/blog/re...tizens-access/
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Old 01-27-2019, 02:12 PM   #169
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What do you think of Citizen's Access bank?

https://www.magnifymoney.com/blog/re...tizens-access/
The write up in DepositAccounts.com seems fairly positive: https://www.depositaccounts.com/bank...access/offers/. Disclaimer: I have no personal experience with them.
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Old 01-28-2019, 10:23 AM   #170
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Just got an email from NorthernBankDirect raising the interest rate on my money market account from 2.25% APY to 2.50% APY. Interestingly enough, I don't see this rate advertised on their web site, https://www.northernbankdirect.com/
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Old 01-28-2019, 12:54 PM   #171
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Penfed The site does not show a different rate for IRA versus regular CD like it did last month.
When I check PenFed today, it still shows IRA certificates being 1/10 of a point less than regular CD's.
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Old 01-28-2019, 02:20 PM   #172
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The write up in DepositAccounts.com seems fairly positive: https://www.depositaccounts.com/bank...access/offers/. Disclaimer: I have no personal experience with them.
Sounds like there is no way to setup beneficiaries online or via mail, though. You apparently have to give all the info (including SS #) verbally to a CSR over the phone (no thanks!)

I'm interested in Citizens Access but the beneficiary issue is a big hurdle/potential deal breaker..
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Best CD & MM Rates Thread 2019 - Please post updates here
Old 01-28-2019, 04:41 PM   #173
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Best CD & MM Rates Thread 2019 - Please post updates here

With a hat tip to ShokWaveRider, we are splitting off the thread for 2019 and leaving the 2018 version as an archive. Link to 2018 is here http://www.early-retirement.org/foru...ere-93051.html
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Old 01-28-2019, 05:20 PM   #174
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With a hat tip to ShokWaveRider, we are splitting off the thread for 2019 and leaving the 2018 version as an archive. Link to 2018 is here http://www.early-retirement.org/foru...ere-93051.html
Thanks! Whew!!!
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Old 01-29-2019, 12:49 AM   #175
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I don't see much about CDbank.com here. Are they a good option?


12 Months 2.80%
18 Months 3.00%
24 Months 3.07% (up to 60 months all at 3.07%)

I'm just putting together my first CD ladder (took my first step a few weeks ago with a 2 year Capital One CD @2.8% since I already was using them for high interest savings)

My brother is retired Navy - got my parents into NFCU - but I don't have that option.
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Old 01-29-2019, 05:04 AM   #176
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My brother is retired Navy - got my parents into NFCU - but I don't have that option.
You can join if you want. From NavyFed "If you have an immediate family member who has joined or one who's eligible to join, you can become a Navy Federal member. Immediate family members include grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members."
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Old 01-29-2019, 06:34 AM   #177
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With a hat tip to ShokWaveRider, we are splitting off the thread for 2019 and leaving the 2018 version as an archive. Link to 2018 is here http://www.early-retirement.org/foru...ere-93051.html



Premier America Credit Union’s Latest Special, 17-Month CD, 3.20% APY (Easy Membership, so they say)
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Old 01-29-2019, 10:50 AM   #178
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Tell us more! Is the boost for being a 25 yr member a formal policy? I've never heard of that before.
I wasn't aware of the bump. I opened it at 3.25% and then got an e-mail from NFCU informing me I was bumped to 3.45% because of my 25 year of banking with them.
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Old 01-29-2019, 11:41 AM   #179
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Just got an email from NorthernBankDirect raising the interest rate on my money market account from 2.25% APY to 2.50% APY. Interestingly enough, I don't see this rate advertised on their web site, https://www.northernbankdirect.com/
Update to my previous post: https://www.depositaccounts.com/bank...direct/offers/

It appears the offer is only to those of us who took advantage (in time) on the 2.25% deal last year. For me, I had moved most of the $ in the account to Ally when the 1% bonus was offered, but fortunately left a few hundred $ in the account. So, I can take advantage of this offer on my last maturing Penfed 3% CD's (maturing 1/31/19).
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Old 01-30-2019, 10:13 AM   #180
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Premier America Credit Unionís Latest Special, 17-Month CD, 3.20% APY (Easy Membership, so they say)
It is! Their online application process is a little quirky.
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