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04-18-2018, 07:01 AM
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#21
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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 Quote:
Originally Posted by Al in Ohio
My credit union this month has a 14 month CD at 3.0% and 24 month at 4.0%.
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WOW!!!! Grab them!
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04-18-2018, 07:03 AM
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#22
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,723
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4% is my DREAM Lock up funds forever rate.
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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04-18-2018, 10:03 AM
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#23
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Posts: 3,083
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Today the 5 year Treasury is at 2.72%.
Almost getting to the magic 3%, with no state income tax on it.
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04-18-2018, 10:48 AM
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#24
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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Quote:
Originally Posted by Al in Ohio
My credit union this month has a 14 month CD at 3.0% and 24 month at 4.0%.
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What...where?
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04-18-2018, 10:50 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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Quote:
Originally Posted by ShokWaveRider
4% is my DREAM Lock up funds forever rate.
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Wow, and I remember passbook getting 5.5%
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04-18-2018, 03:06 PM
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#26
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Full time employment: Posting here.
Join Date: Sep 2007
Location: mpls, mn
Posts: 770
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Quote:
Originally Posted by ripper1
What...where?
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can anyone join?
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04-18-2018, 03:13 PM
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#27
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Recycles dryer sheets
Join Date: Feb 2010
Posts: 293
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Quote:
Originally Posted by ripper1
What...where?
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I think he is talking about https://www.kemba.org/
14 months at 3.00% APY or
44 months at 4.00% APY
Must live in Columbus, OH or be employed by member companies.
50K max.
__________________
FIREd at 46, 8/31/11
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04-20-2018, 09:11 PM
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#28
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Recycles dryer sheets
Join Date: Mar 2012
Location: Virginia
Posts: 110
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I'm sticking with 2 year CD's for now and hopefully feel comfortable extending that out a little once the PenFed CD expires next January. I'm shooting for a 3% average in my ladder in 5 years which may be a little conservative.
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04-21-2018, 12:17 PM
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#29
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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Quote:
Originally Posted by Skyward1
I'm sticking with 2 year CD's for now and hopefully feel comfortable extending that out a little once the PenFed CD expires next January. I'm shooting for a 3% average in my ladder in 5 years which may be a little conservative.
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I agree, and like your style.
A bigger question, at least for me, is at what point to begin putting more in to longer maturities? When we see 4% on the 10-year, 5%? Just nibble all along in case we never get there?
All views welcome.
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04-21-2018, 02:39 PM
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#30
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,327
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I go for the best combination of rate and term I can find. The result is a lumpy ladder going out 7 yrs. That's a bit beyond FRA for me. Right now Renewals are going into terms of 3 yrs or less. I plot these on a timeline and fill the gaps with tiny CDs to cover mandatory needs. My goal for piling in is 5yrs @3%, 7yrs @ 4% or 10yrs @ 5%.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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04-22-2018, 02:55 AM
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#31
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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Appreciate it jazz.
The new issue 3 year will be going for 3% by end of summer. I'm currently able to get 3.5 year in the secondary market for 3.1%. Unfortunately, 5 year is not budging higher than that same rate.
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04-24-2018, 02:12 AM
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#32
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,931
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jazz - Wells Fargo new issue CDs 2.75% for 2 years, 2.9% for 3 years, 3.15% for 5 years.
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04-24-2018, 07:24 AM
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#33
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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Quote:
Originally Posted by njhowie
jazz - Wells Fargo new issue CDs 2.75% for 2 years, 2.9% for 3 years, 3.15% for 5 years.
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Thanks, Njhowie
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04-24-2018, 07:26 AM
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#34
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,723
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Do we need to start a new Interest rate thread for 2018? Lots of us 5 year PenFed CDs maturing later this year and early 2019.
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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04-24-2018, 11:10 AM
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#35
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Full time employment: Posting here.
Join Date: Dec 2006
Posts: 881
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FYI. Besides posting the CD rates. Would be help full to post EWP, if they are "extreme".
And membership rules. ie. open to all, or not.
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04-24-2018, 11:19 AM
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#36
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,723
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Quote:
Originally Posted by wolf
FYI. Besides posting the CD rates. Would be help full to post EWP, if they are "extreme".
And membership rules. ie. open to all, or not.
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That info can easily be found by going to the providers website. I would like the following:
Institution Name & City or Web Based Only) Website Link would be handy.
Rates for the CDs in Question, what ever they may be, 1 - 5years etc)
And really important any restrictions, (Caps) A great rate with low caps is pretty much useless.
__________________
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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