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Started By
Message
Fyi... capital one has 5% CD's
Posted on 2/2/23 at 11:50 pm
Posted on 2/2/23 at 11:50 pm
Capital one has 5% APY on 11 month CD if anyone is interested.
5
Posted on 2/3/23 at 12:08 am to MikeDaTiger23
they also have 4.3% for 2 years and 4.1% for 5 years. why would anyone want to tie their money up longer for less return? 
im guessing they expect rates to come down long term
im guessing they expect rates to come down long termThis post was edited on 2/3/23 at 12:10 am
Posted on 2/3/23 at 1:13 am to MikeDaTiger23
For 11 months, that’s a a very good rate on a non-brokered CD (at present).
Posted on 2/3/23 at 5:04 am to Jag_Warrior
I don’t like most of their CDs due to the 6 month penalty on early withdrawal, but it’s only 3 months on their CD <12 months.
Posted on 2/3/23 at 6:01 am to Finnish
Is there a maximum you can put in a cd? Any idea?
Posted on 2/3/23 at 6:28 am to baldona
quote:
there a maximum you can put in a cd? Any idea?
And assuming if already have an account, can just transfer funds digitally?
Posted on 2/3/23 at 6:43 am to Lsut81
quote:
And assuming if already have an account, can just transfer funds digitally?
I put ~150k in yesterday pulling funds from a low interest CD and high-yield savings, so limit is above that. It funded instantly. I would limit to 250k or 500k if joint owner on it for all funds with them for FDIC purposes.
Posted on 2/3/23 at 6:43 am to Lsut81
There is an option to open the CD account in the mobile app. I’m probably going to open one today, just trying to decide how much I want to move.
Posted on 2/3/23 at 6:51 am to whiskey over ice
quote:
they also have 4.3% for 2 years and 4.1% for 5 years. why would anyone want to tie their money up longer for less return?
I’ve grabbed 3 and 5 year CDs at Ally for 4.3% to hedge against lower rates in the future, but definitely loading up on the short term 5% yield.
Posted on 2/3/23 at 7:31 am to Finnish
I will stick with my money market paying 4.3%.
Posted on 2/3/23 at 10:29 am to MikeDaTiger23
4% money market with access to money without restriction vs. 5% CD locked in for period of time.
Bird in hand / Two in bush
Don't forget the bush
Bird in hand / Two in bush
Don't forget the bush
Posted on 2/3/23 at 11:58 am to whiskey over ice
quote:
they also have 4.3% for 2 years and 4.1% for 5 years. why would anyone want to tie their money up longer for less return?
They’re literally telling you…
quote:
they expect rates to come down long term
1 year CDs are a solid cash alternative, but they’re an awful way to build any real nest egg. I realize they’re probably not being used that way on the Money Talk, thankfully.
Posted on 2/3/23 at 1:31 pm to MikeDaTiger23
Damnit. I just put some of the kids savings into 4.5% 9 month CDs at Hancock Whitney.
Posted on 2/3/23 at 2:10 pm to LSUFanHouston
At some point we're splitting hairs.
Posted on 2/3/23 at 4:44 pm to MikeDaTiger23
5% of a guaranteed return and miss out on (potentially) another -25 % banger of a year?
no thanks. i am addicted to losing money.
no thanks. i am addicted to losing money.
Posted on 2/3/23 at 6:47 pm to Shamoan
quote:
5% of a guaranteed return and miss out on (potentially) another -25 % banger of a year? no thanks. i am addicted to losing money.
, S&P 500 is up nearly 8% YTD. Take your profits and then it into 12.8% in the CD baw. 
Posted on 2/3/23 at 7:40 pm to slackster
It always humors me, the people who just don't seem to get it. I've loved the market being down. I've been able to invest at a significant discount over the last year or so.
This post was edited on 2/3/23 at 9:45 pm
Posted on 2/4/23 at 7:52 am to Joshjrn
quote:
It always humors me, the people who just don't seem to get it. I've loved the market being down. I've been able to invest at a significant discount over the last year or so.
The money in my brokerage account would have performed better in a 4% cd for the last three years. I am dumping chase and moving cash to cap one the rates are too good to pass up
Posted on 2/4/23 at 8:24 am to bayoudude
quote:
The money in my brokerage account would have performed better in a 4% cd for the last three years.
Sure. And if we all knew where the tops and bottoms would be, we would all billionaires by now. Unfortunately, we don’t have the faintest idea.
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