5.00% APY with an 11-month 360 CD
Get guaranteed returns with no minimum deposit. Lock in by 3/14/2023.
Saw this on my Capital One splash screen today.
NFCU has a 12 month and a 15 month CD that pays up to 5% 10k not needed with what I read.To get these higher intrest rates ...you guys are leaving out the fact that a certain amount of money has to be deposited which is usually well over 10k.
I also Fing hate them...If I didn't have such an unquenchable hatred of Capital One because of their incessant advertising, I might consider that.
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Rather than start a new one, I will add here.
Our emergency fund has historically been kept in a government bond fund with Vanguard, downsides being performance in the last few years and no FDIC. Now, with interest rates rising, we can get more than .13% in an insured savings account.
Recent research has turned up possibilities. Our pre-requisites are low minimums, flexible in and out policies, low or no fees, and no giant account balance or associated checking account necessary. Bank stability a plus along with a good interest rate.
UFB Online turned up good, but it was impossible to open an account - just got the circle of delay in perpetuity. Next on the list was Western Alliance, but it had fewer options (no ATM card, no multiple accounts linked, a few other holes). But the interest rate is high, the stability good, and we have only one account to link, and already have an ATM card through our bank. That may be our go-to to move our emergency fund into. Our local bank and credit card company both have what they call "high interest savings accounts," but their idea of high interest is apparently different than mine.
Not that I trust FDIC completely, but any collapse big enough to take it down will be big enough to take down government bonds also and about everything else.
Currently 5.36%What is the interest rate for Western Alliance? When I go to the site I'm not finding that info. I assume it's their Personal Savings Account?
Unfortunately, all taxable!We moved a large chunk over to Synchrony. We already use them for our Sams Club Mastercard, so setting up was easy. No minimums, no fees. Current rate is 4.75%. Made a little over a grand in interest since October.
Is Bask Basque?