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What are the best CD rates?
Posted on 10/26/23 at 8:45 am
Posted on 10/26/23 at 8:45 am
What are the best CD rates you are seeing, and for what term? Local CSE credit union has a 6 month CD with 5.8% apy, capital one has a 10 month 5.3% apy.
6
Posted on 10/26/23 at 10:50 am to MikeDaTiger23
raisin savings accounts you can get up to about 5.27%. i don't see benefits in cd's at the time.
Posted on 10/26/23 at 1:25 pm to MikeDaTiger23
why lock it up in a CD? when MM funds are paying over 5%?
Posted on 10/26/23 at 1:31 pm to MikeDaTiger23
I just got 5.75% on a 13 month at a community bank here in North Georgia. There is another bank here in town at 5.60% on a 13 month.
Posted on 10/26/23 at 2:15 pm to Fat Bastard
Why not make 5.8% instead of 5%?
Posted on 10/26/23 at 2:25 pm to MikeDaTiger23
quote:
Why not make 5.8% instead of 5%?
*5.27
Your locking it up for over a year for .54% more. That's a choice for you to make. The ability to say jump into a stock market play or another investment is well worth .54 of a point.
Posted on 10/26/23 at 2:25 pm to MikeDaTiger23
Just got a 5.9 1 year through Chase on etrade
Posted on 10/26/23 at 2:28 pm to Chad504boy
5.8% for six months at CSE credit union. As it says in the title, I was just asking what are the best rates you guys are seeing?
This post was edited on 10/26/23 at 2:31 pm
Posted on 10/26/23 at 2:31 pm to MikeDaTiger23
quote:
5.8% for six months at CSE credit union.
sorry. it's a good rate, probably can't be beat to be honest. So its your call locking it up. Depending on how much invested of course, it would be easy to put a dollar value on valuing the flexibility and what's that worth to you.
Posted on 10/26/23 at 2:59 pm to Fat Bastard
Locking it up also commits the bank. Those MM rates can go away with the quickness.
Posted on 10/26/23 at 3:05 pm to SloaneRanger
quote:
Those MM rates can go away with the quickness.
They aren't, but if they do that means the equity market and bond market will be making a lot more than 5.8%.
The highest I saw in our offering was from the Bank of China.
Posted on 10/26/23 at 3:50 pm to MikeDaTiger23
Columbia House had the best. 10 CDs for a penny
Posted on 10/26/23 at 4:43 pm to Chad504boy
Cd rates are guaranteed. Savings rates can change instantly
Posted on 10/26/23 at 4:48 pm to MSTiger33
quote:
Columbia House had the best. 10 CDs for a penny
Posted on 10/26/23 at 8:05 pm to tigerlife00
quote:
Cd rates are guaranteed. Savings rates can change instantly
Based on what?
Posted on 10/26/23 at 8:41 pm to MSTiger33
I still owe them a lot of money
Posted on 10/27/23 at 4:34 pm to jmarto1
This made me laugh.
Posted on 10/27/23 at 8:29 pm to tigerlife00
The savings rates are extremely unlikely to go down until the fed reduces interest rates and there likely is still one more raise left, I wouldn’t be worried about savings rates going down imminently.
Posted on 10/27/23 at 8:50 pm to tigerlife00
quote:
Cd rates are guaranteed. Savings rates can change instantly
Not if it’s a callable CD like I bet that Chase one is
Posted on 10/29/23 at 9:50 am to MikeDaTiger23
not a cd but just got a christmas club account at local bank for 6% for next year. 
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