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Old 02-23-2020, 12:37 PM   #61
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I was going to ADD 50k for the $300 bonus but got this message when i tried.

(Maximum $300 bonus per qualified account).

and i like CIT Bank.

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Originally Posted by calmloki View Post
CIT bank.
They have had several specials, current one is $300 bonus on top of 1.75% for $50k in new money. Existing account only has to keep those funds there for 30 days.

https://cit.com/cit-bank/savings-bui...-bonus-spring/
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Old 02-23-2020, 12:45 PM   #62
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I have been locking in what I can. Maybe rates will drop low enough that it will finally make sense to refi the mortgage.
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Old 02-23-2020, 12:57 PM   #63
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Quote:
Originally Posted by Bruno View Post
I was going to ADD 50k for the $300 bonus but got this message when i tried.

(Maximum $300 bonus per qualified account).

and i like CIT Bank.
Hmm. I haven't tried to add my $50k yet but did get receive $300 back in early December from their last promotion. Were you in on the last Promo?Might be worth a call Monday to see if the language you quote is a denial of all bonus amounts from all promotions that exceed a total amount over $300 per account or a restriction of bonus awards for this one promo to $300. That is, no adding $50k + $50k + $50k to your account tomorrow and expecting a $900 bonus.

I'd prefer not to open a second account with CIT in my name or the gal's name just for this bonus - Quicken is getting crowded.
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Old 02-23-2020, 04:30 PM   #64
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Hmm. I haven't tried to add my $50k yet but did get receive $300 back in early December from their last promotion. Were you in on the last Promo?.
Yes i was in the last Promo. I click on the $300 link and had to login to my account and got this message.

Unfortunately you are not eligible for this promotion.

You enrolled in a previous Savings Builder Promotion,

which makes you ineligible for this promotion.
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Old 02-23-2020, 04:47 PM   #65
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I'm still sticking with the 5 year CD ladder in my IRA while holding my nose. I'm letting the higher yielding 7-10 year CD's ride even with a significant appreciation. Not much different than a bond fund.
For the short term in after tax, I'm rolling into Ally's 11 month no penalty CD's. After putting on a huge roof I'm anticipating significant additional capital improvements to our 25 year old house.
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Old 02-23-2020, 07:33 PM   #66
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I'm still sticking with the 5 year CD ladder in my IRA while holding my nose. I'm letting the higher yielding 7-10 year CD's ride even with a significant appreciation. Not much different than a bond fund.
For the short term in after tax, I'm rolling into Ally's 11 month no penalty CD's. After putting on a huge roof I'm anticipating significant additional capital improvements to our 25 year old house.
Funny, same here. Rolling off CDs to update 25 yo home. Funds stored in Customer's Bank 2.25 APY.
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Old 02-23-2020, 08:31 PM   #67
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Just got an offer from Fifth Third Bank for a $250 bonus for opening a checking account, with an additional $250 for getting the balance up to $15K and keeping it for 90 days. This may be the same offer Dtail was talking to me about at the SWFL get together. It sounds like a pretty good deal. Before talking to him I would have just tossed the offer in the recycle bin, but now I think I might go for it. Then I'll just write the check and close the account. Thanks, Dtail.
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Old 02-24-2020, 02:43 AM   #68
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Level Bank (fintech) 2.1% APY

https://levelbank.com/

https://levelbank.com/faq
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Old 02-24-2020, 05:20 AM   #69
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Quote:
Originally Posted by harley View Post
Just got an offer from Fifth Third Bank for a $250 bonus for opening a checking account, with an additional $250 for getting the balance up to $15K and keeping it for 90 days. This may be the same offer Dtail was talking to me about at the SWFL get together. It sounds like a pretty good deal. Before talking to him I would have just tossed the offer in the recycle bin, but now I think I might go for it. Then I'll just write the check and close the account. Thanks, Dtail.
My pleasure Harley.
Actually the Fifth Third Bank offer has morphed over the last few months from what I can see.
First it was 250 bonus for 500 deposit for 60 days.
Then 250 bonus for 250 deposit for 60 days.
Now it is your offer.
IIRC, their reps only get a commission if the account stays open for 90 days, thus the current offer version.
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Old 02-24-2020, 05:40 AM   #70
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Quote:
Originally Posted by harley View Post
Just got an offer from Fifth Third Bank for a $250 bonus for opening a checking account, with an additional $250 for getting the balance up to $15K and keeping it for 90 days. This may be the same offer Dtail was talking to me about at the SWFL get together. It sounds like a pretty good deal. Before talking to him I would have just tossed the offer in the recycle bin, but now I think I might go for it. Then I'll just write the check and close the account. Thanks, Dtail.
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My pleasure Harley.
Actually the Fifth Third Bank offer has morphed over the last few months from what I can see.
First it was 250 bonus for 500 deposit for 60 days.
Then 250 bonus for 250 deposit for 60 days.
Now it is your offer.
IIRC, their reps only get a commission if the account stays open for 90 days, thus the current offer version.
Thanks for the reminder to check this out! I haven't received any flyers in the mail about this yet. May need to stop in to the local bank to see if they are offering it here. Nothing on the website that I could find.
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Old 02-24-2020, 01:07 PM   #71
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Quote:
Originally Posted by harley View Post
Just got an offer from Fifth Third Bank for a $250 bonus for opening a checking account, with an additional $250 for getting the balance up to $15K and keeping it for 90 days. This may be the same offer Dtail was talking to me about at the SWFL get together. It sounds like a pretty good deal. Before talking to him I would have just tossed the offer in the recycle bin, but now I think I might go for it. Then I'll just write the check and close the account. Thanks, Dtail.
I did the earlier one,

You might want to check when you do it, that they still have the same rules as before:

Being able to put the $15K into a MM account, to earn 1.5% interest instead of the zero interest checking account. The accounts are linked so it counts.
Might as well get the 1.5% interest on top of the bonus.

For me, at the time, the rule was put the extra money $20K into the MM and the MM would pay 1.75% , so I did.
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Old 02-24-2020, 03:12 PM   #72
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Ally is running a "new" promo--
Special Promotional Offer Details
13 month 2.1% CD
Promotional term available through 3/31/2020

No minimum deposit to open

Interest compounded daily

Automatically renews into a 12-month High Yield CD

Your deposits are insured by the FDIC up to the maximum allowed by law

Early withdrawal penalty will apply
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Old 02-24-2020, 03:15 PM   #73
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Originally Posted by nwsteve View Post
Ally is running a "new" promo--
Special Promotional Offer Details
13 month 2.1% CD
Promotional term available through 3/31/2020

No minimum deposit to open

Interest compounded daily

Automatically renews into a 12-month High Yield CD

Your deposits are insured by the FDIC up to the maximum allowed by law

Early withdrawal penalty will apply
Mentioned in post #51
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Old 02-24-2020, 04:18 PM   #74
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Mentioned in post #51
sorry I missed! On the plus side, others who may skip a page in a thread, will know now. ;-)
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Old 02-24-2020, 04:32 PM   #75
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sorry I missed! On the plus side, others who may skip a page in a thread, will know now. ;-)
Yep.
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Old 03-01-2020, 03:29 AM   #76
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Look for all the banks to reset the HY saving account rates over the next few weeks.

The ~1.7% norm will likely be heading to 1.5% and lower. New CD rates will similarly head lower. Up to 5 years will likely be headed below 2%.

For those who rely on fixed income, if you can lock in 2% (or more) for a year or longer, take it while it is available. It may be a while before it comes along again.
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Old 03-01-2020, 05:13 AM   #77
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I think some might wait until the Fed drops rates. 1 month treasury had been holding at 1.6%, well until Friday, when it crossed under 1.5%!

So, yeah - 1.5% seems likely.
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Old 03-01-2020, 07:41 PM   #78
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I'm feeling pretty good about having used my 1.7% online savings to pay off my 3.375% mortgage back in December.
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Old 03-02-2020, 05:38 PM   #79
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4% 12 Month America Saves Saver Certificate 5% For Active And Retired Military
Only one certificate per customer so if last years Promo certificate has not matured yet you can't open this one until it does.

Open a high-yield (4.00% APY*) certificate with as much as $500 or as little as $100
Make additional deposits- between $10 and $500 – each month
Earn dividends daily
Enjoy an extra-high savings rate for 12 months

Offer valid for Saver Certificates opened between February 24, 2020 and April 30, 2020. For more information, call 800.736.4500 or stop by your local branch today.
https://www.frontwavecu.com/America-...er-Certificate
https://www.frontwavecu.com/Our-Miss...its/Membership
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Old 03-02-2020, 05:43 PM   #80
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^^^^^ No disrespect but not very useful if maximum deposit is $500/month
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