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forum thread Posted by BabyBubba • Aug 25, 2022
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forum thread Posted by BabyBubba • Aug 25, 2022

Citi Bank 18 Month CD 2.75% APY / 12 Month CD 2.50% APY $1

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Citi Bank is offering 2.71% APR (2.75% APY) on their 18 month CD. Also offering 2.50% APY on a 12 month CD. Apply by phone or online.

https://online.citi.com/US/ag/banking/cd-account
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About the Poster
Citi Bank is offering 2.71% APR (2.75% APY) on their 18 month CD. Also offering 2.50% APY on a 12 month CD. Apply by phone or online.

https://online.citi.com/US/ag/banking/cd-account

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Aug 25, 2022
136 Posts
Joined Sep 2009
Aug 25, 2022
mazink
Aug 25, 2022
136 Posts

Our community has rated this post as helpful. If you agree, why not thank mazink

FYI, the default option is to auto renew after the term expires, you will have to contact their incompetent customer service or go to the branch if you want to cash out at the end of term. There is no option online to do this.
1
Aug 25, 2022
6,739 Posts
Joined Dec 2010
Aug 25, 2022
bluking
Aug 25, 2022
6,739 Posts
Honestly, just go get a brokered CD, rates are close to 3% APY for a 12 mo term.
Original Poster
Pro
Aug 25, 2022
3,749 Posts
Joined Apr 2021
Aug 25, 2022
BabyBubba
Aug 25, 2022
Original Poster
Pro
3,749 Posts
Quote from bluking :
Honestly, just go get a brokered CD, rates are close to 3% APY for a 12 mo term.
Fair enough. But a lot of people don't have a brokerage account; I posted this as an option for anyone who wants an attractive return on savings they don't plan to spend for a while. Local banks are usually way behind the curve on CD rates, offering dismal returns as the norm. Thanks for commenting.
Last edited by BabyBubba August 25, 2022 at 08:24 AM.
Aug 25, 2022
325 Posts
Joined Sep 2006
Aug 25, 2022
Drayven911
Aug 25, 2022
325 Posts
EdwardJones is offering 18 Month CD 3.20% APY / 12 Month CD 3.00% APY with $1,000 minimum deposit. Just wanted to throw it out there if anyone is interested.

https://www.edwardjones.com/us-en...rent-rates
Aug 25, 2022
6,739 Posts
Joined Dec 2010
Aug 25, 2022
bluking
Aug 25, 2022
6,739 Posts
Quote from BabyBubba :
Fair enough. But a lot of people don't have a brokerage account; I posted this as an option for anyone who wants an attractive return on savings they don't plan to spend for a while. Local banks are usually way behind the curve on CD rates, offering dismal returns as the norm. Thanks for commenting.
for sure, the comment wasn't to deter folks from the deal at all. Most dont know that they can purchase a CD through their brokerage account, just wanted to spread the word.
Aug 25, 2022
1,818 Posts
Joined Apr 2004
Aug 25, 2022
jon2249
Aug 25, 2022
1,818 Posts
Quote from bluking :
for sure, the comment wasn't to deter folks from the deal at all. Most dont know that they can purchase a CD through their brokerage account, just wanted to spread the word.
I was not aware. E*trade is at 2% only tho
Original Poster
Pro
Aug 25, 2022
3,749 Posts
Joined Apr 2021
Aug 25, 2022
BabyBubba
Aug 25, 2022
Original Poster
Pro
3,749 Posts
Quote from bluking :
for sure, the comment wasn't to deter folks from the deal at all. Most dont know that they can purchase a CD through their brokerage account, just wanted to spread the word.
It's all good, brother! Knowledge is power, and the more options the better. I appreciate your contribution.

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Aug 25, 2022
461 Posts
Joined Jan 2013
Aug 25, 2022
Keith1212
Aug 25, 2022
461 Posts
Ally bank as better CD rates
Aug 25, 2022
3,485 Posts
Joined Oct 2012
Aug 25, 2022
SturgeonGeneral
Aug 25, 2022
3,485 Posts
Wouldn't an i-bond be better? Can access that after 12 months iirc
Original Poster
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Aug 25, 2022
3,749 Posts
Joined Apr 2021
Aug 25, 2022
BabyBubba
Aug 25, 2022
Original Poster
Pro
3,749 Posts
Quote from Drayven911 :
EdwardJones is offering 18 Month CD 3.20% APY / 12 Month CD 3.00% APY with $1,000 minimum deposit. Just wanted to throw it out there if anyone is interested.

https://www.edwardjones.com/us-en...rent-rates [edwardjones.com]
Nice rates; thanks for posting. I met with my local Edward Jones rep at his local office years ago, and his fee structure made me walk away at the time. I'm assuming that there are no fees in this case. If so, these are solid rates that a lot of people can likely get at a local Edward Jones office location. As I mentioned earlier, most local banks' rates are laughable by comparison.
Aug 25, 2022
184 Posts
Joined Apr 2015
Aug 25, 2022
theplayer11
Aug 25, 2022
184 Posts
Quote from bluking :
Honestly, just go get a brokered CD, rates are close to 3% APY for a 12 mo term.
thanks for the tip, never bought CDs before, but buying from a brokerage is the way to go to maximize yield
Aug 25, 2022
2,553 Posts
Joined Apr 2013
Aug 25, 2022
View92612
Aug 25, 2022
2,553 Posts
Fed is expected to raise the rate again soon...maybe wait a bit?
Aug 25, 2022
1,374 Posts
Joined May 2018
Aug 25, 2022
vaiof1
Aug 25, 2022
1,374 Posts
Quote from bluking :
Honestly, just go get a brokered CD, rates are close to 3% APY for a 12 mo term.
Isn't the minimum for that like $100k?
Aug 25, 2022
715 Posts
Joined Dec 2007
Aug 25, 2022
ChaChing23
Aug 25, 2022
715 Posts
"Why in the world would someone buy CDs from banks and credit unions that pay a lower yield than Treasuries?
Because investors don't know they can buy Treasuries so easily for a higher yield than CDs at this moment."

The Finance Buff (Harry Sit)
How To Buy Treasury Bills & Notes Without Fee at Online Brokers
https://thefinancebuff.com/treasu...arket.html

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Aug 25, 2022
643 Posts
Joined Nov 2010
Aug 25, 2022
zjs2k
Aug 25, 2022
643 Posts
Quote from SturgeonGeneral :
Wouldn't an i-bond be better? Can access that after 12 months iirc
Agreed. For people don't have a broker account, they should make the effort to open a treasury account and buy i- bond 9+% interest now.

After reaching the limit ($10k or more), just buy new issues of treasury bills and notes at broker, 6 m to 3 y 3+% interest. You can monitor live rate before place order.

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