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The 4.28% rate is for new purchases - 1.30% fixed rate plus 2.98% variable rate.

And I just replaced it with CUSIP 3130B13S4, FHLB 6.5% bond maturing 05/09/2044 callable quarterly starting 08/09/2024. And if that gets called I'll just replace it with another one. Lather, rinse, repeat.

I don't know the answer to your question but this calculator might be of help. Good luck. https://costbasistools.com/spinoff/calculator.php

I got a call notice this morning for my FHLB 6.9% bond maturing 11/06/2043. I'm not surprised, but at least now I know the call threshold (for now) is somewhere between 6.6% and 6.9% for those long term (10-20 year) callables. No big deal. I'll simply deploy into another FHLB long-term callable...

But...but...but... Joe Namath, Jimmie Walker and Henry Winkler told me it was free! I trust those guys. They wouldn't lie to me, would they? :rolleyes:

Current best non-callable brokered CD rates at Schwab (04/26/24): 12 mo - 5.15% 18 mo - 5.05% 24 mo - 5.00% 36 mo - 4.85% 48 mo - 4.65% 60 mo - 4.55% Rates are 5 basis points higher this week on 24-60 month CDs, unchanged on shorter maturities.

All of the above FHLB bonds survived the call date so I still own them and am happily still collecting 6%+ coupons. The FHLB website allows you to search for call history for any CUSIP here: https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/calls-and-amortizations-69 Bonds that are...

Unless you are doing it on your terms. The best j*b is the one where they need you more then you need them, you can dictate the terms and can tell them to, um, buzz off at any time.

Except for the boat thing my cost and cost savings are exactly the same as you lol.

I have four FHLB bonds that have possible calls this coming week. One will definitely not be called. It pays 5.1% interest and is maturing in 6 months. The other three are more interesting: FHLB 6.55% maturing 10/25/2033 (continuously callable after 4/25/24) FHLB 6.00% maturing 01/26/2044...

Or in retirement accounts.

Current best non-callable brokered CD rates at Schwab (04/12/24): 12 mo - 5.15% 18 mo - 5.05% 24 mo - 4.95% 36 mo - 4.80% 48 mo - 4.60% 60 mo - 4.50% Brokered CD yields are trying to catch up to treasuries. They are getting close but still lagging a wee bit. Another 5-10 basis points...

I have not watched the news in years. I read the news every day off my Apple News feed.

Sounds like a reasonable approach to me.

Always? Really? The last two years proves this statement false.

That's because this thread isn't about Treasuries. If you wnt to discuss Treasuries go here: https://www.early-retirement.org/forums/f28/treasury-bills-notes-and-bonds-discussion-2024-a-120449-5.html#post3073146

Thread revival? Current best non-callable brokered CD rates at Schwab (04/12/24): 12 mo - 5.05% 18 mo - 5.00% 24 mo - 4.90% 36 mo - 4.80% 48 mo - 4.55% 60 mo - 4.50%

Rates popped across the board. Even the 2-year came within a few basis points of hitting 5%.

The 52-week auction is next week and this afternoon the yields on treasuries maturing in one year is around 5.2%. Auction yields for the 52 week T-bill should end up in that neighborhood unless something changes between now and Tuesday. Very tempting even if it comes in a few basis points lower.

I have yet to have anything (CD or agency bond) yielding 5.5% or below get called and given the continued upward pressure on rates since the end of last year I expect that to continue. I have a 10-year FHLB bond paying a 6.4% coupon which has been callable daily since March 1st still alive in...

I have no qualms about purchasing callable CDs and agency bonds. There are always plenty of opportunities to reinvest the funds at favorable rates and even if you are getting a lower rate it is likely you are coming out ahead. For example, I got a call notice for a 13 month CD purchased 9...

Just tell them to pound sand (or whatever equivalent you like ;D).

This was my third total solar eclipse. The first was an annular eclipse which I saw from my mother's back yard just south of Chicago in March, 1991. The second was the 2017 total eclipse which traveled to western Kentucky to see. This one we went out our back door in Indianapolis and just...

Per the IRS: "Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller...

Hold your ground. They need you. You don't need them.