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Old 05-29-2023, 12:44 PM   #1421
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Marcus $100 bonus on $10k new money for 3 mos hit my account!! I had basically moved the money out and back in to qualify but I was pretty sure I had missed out on the bonus. FYI they are paying 4.15 APR and they still have 3 mo 1% referral bonus. I think you can also stack the AARP .1% for 24 mos.

Anybody need a referral?

https://themoneyninja.com/marcus-100-savings-bonus/
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Old 05-29-2023, 12:49 PM   #1422
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Anyway, I've been in this 401k for over 40 years and never lost a dime. Some years have been pretty lean but I've always made money.
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How is that even possible?
Oh it's very possible.

They pay on a quarterly basis and I was always heavily invested in pretty conservative and/or exclusively fixed income investments. The last 20 years it's been 100% in fixed income. Some quarters it wasn't a lot but it was always positive. The last several quarters have been record payments for me.
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Old 05-29-2023, 01:10 PM   #1423
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How is that even possible?
Hey, Bernie Madoff did it.
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Old 05-29-2023, 04:38 PM   #1424
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Hey, Bernie Madoff did it.


Oh, yeah thatís how.
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Old 05-30-2023, 09:11 AM   #1425
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How is that even possible?
He lost a few quarters.
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Old 05-30-2023, 04:14 PM   #1426
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GTE 48-Month Jumbo CD Increased To 5.12% APY **5 Year dropped to 3.04%**
100k Minimum

https://www.gtefinancial.org/product...e-certificates
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Old 05-31-2023, 10:27 AM   #1427
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American Express announced a rate increase on it's high yield savings account effective 5/31 to 4.0% - this is up from the increase of 3.90% announced on 5/16.

A 12-month-CD is now 4.25%, and 24-months are at 4.0%. All other terms are lower.

- Rita
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Old 05-31-2023, 11:00 AM   #1428
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Schwab has 2 year CD's available @ 5%. For shorter term CD's (3,6,9,12 and 18 mos) they are as high as 5.3%.
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Old 05-31-2023, 05:50 PM   #1429
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VMFXX Vanguard Federal Money Market Fund and VUSXX Vanguard Treasury Money Market Fund both have a 7 day SEC yield of 5.04%. Usually the Treasury MM fund is less than the Federal MM fund. This is the 1st time I saw them with the same 7 day yield.
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Old 05-31-2023, 06:18 PM   #1430
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Just bought Ally 18mo @ 5.15 non callable at Fidelity.
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Old 05-31-2023, 06:26 PM   #1431
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Just bought Ally 18mo @ 5.15 non callable at Fidelity.
I was eyeing a call protected 1yr from UMB at 5.30 today. Almost pulled the trigger.
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Old 05-31-2023, 11:59 PM   #1432
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NASA Federal Credit Union May -> June changes

9-month 5.50% -> 5.65%
15-month 5.30% -> 5.45%
49 month 4.60% -> 4.85%
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Old 06-01-2023, 08:40 AM   #1433
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Darn it, Nasa opened my 3 Roth CD's yesterday. Oh well they still got a really good rate.
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Old 06-01-2023, 11:08 AM   #1434
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Andrews 5.75% for 7.5 months


https://www.andrewsfcu.org/Learn/Res...tificate-Rates
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Old 06-01-2023, 12:23 PM   #1435
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Thanks! Just in time for my 7 month 5% CD that matures June 11.

Iím sure thatís why it popped up as a new special.
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Old 06-01-2023, 12:42 PM   #1436
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Just after this CD craze really got going last year, some of the first few I bought (see below) were for ~9mo terms and will mature this month. Glad I only bought them for 9mos. I think I'll be re-investing immediately for 18mos and over 5%.

Rate ------Term ---- Maturity Date

3.00% --- 9.00 ------ 6/9/23
3.15% --- 9.00 ------ 6/14/23
4.10% ----9.00 ------ 6/27/23
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Old 06-02-2023, 12:10 PM   #1437
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The 3-5 yr rates on Fidelity's brokered non-callable CDs hasn't move in weeks.
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Old 06-02-2023, 05:20 PM   #1438
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what is a share certificate? is it the same as a CD ?
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Old 06-02-2023, 05:55 PM   #1439
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what is a share certificate? is it the same as a CD ?

It is the credit union analog of a CD. CDs can only be issued by banks. FDIC insurance is given on deposits at banks, not credit unions. Credit union products are insured by NCUA, the credit union analogy of FDIC. NCUA, like FDIC, insures up to $250k per depositor ("member-owner") per institution.


https://www.experian.com/blogs/ask-e.../fdic-vs-ncua/
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Old 06-05-2023, 07:53 AM   #1440
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Good am. I had a CD come due today, it was 3.25% for 5 Years. On fence about getting a 5 yr CD for 4.55% $200k or going for a shorter time. EWP is 180day interest. I will not need the money before 5 years. Any suggestions? I can't see rates going much higher
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