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forum threadBabyBubba posted Aug 25, 2022 02:42 PM
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forum threadBabyBubba posted Aug 25, 2022 02:42 PM

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 02:49 PM
140 Posts
Joined Sep 2009
mazinkAug 25, 2022 02:49 PM
140 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.
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Aug 25, 2022 03:09 PM
6,747 Posts
Joined Dec 2010
blukingAug 25, 2022 03:09 PM
6,747 Posts
Honestly, just go get a brokered CD, rates are close to 3% APY for a 12 mo term.
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Aug 25, 2022 03:15 PM
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BabyBubbaAug 25, 2022 03:15 PM
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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 03:26 PM
326 Posts
Joined Sep 2006
Drayven911Aug 25, 2022 03:26 PM
326 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 03:33 PM
6,747 Posts
Joined Dec 2010
blukingAug 25, 2022 03:33 PM
6,747 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 03:58 PM
1,852 Posts
Joined Apr 2004
jon2249Aug 25, 2022 03:58 PM
1,852 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
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Aug 25, 2022 04:10 PM
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BabyBubbaAug 25, 2022 04:10 PM
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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 04:15 PM
461 Posts
Joined Jan 2013
Keith1212Aug 25, 2022 04:15 PM
461 Posts
Ally bank as better CD rates
Aug 25, 2022 04:16 PM
3,548 Posts
Joined Oct 2012
SturgeonGeneralAug 25, 2022 04:16 PM
3,548 Posts
Wouldn't an i-bond be better? Can access that after 12 months iirc
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Aug 25, 2022 04:19 PM
4,473 Posts
Joined Apr 2021
BabyBubbaAug 25, 2022 04:19 PM
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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 04:42 PM
184 Posts
Joined Apr 2015
theplayer11Aug 25, 2022 04:42 PM
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
Pro
Aug 25, 2022 04:48 PM
2,683 Posts
Joined Apr 2013
View92612
Pro
Aug 25, 2022 04:48 PM
2,683 Posts
Fed is expected to raise the rate again soon...maybe wait a bit?
Aug 25, 2022 05:08 PM
1,427 Posts
Joined May 2018
vaiof1Aug 25, 2022 05:08 PM
1,427 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 05:09 PM
861 Posts
Joined Dec 2007
ChaChing23Aug 25, 2022 05:09 PM
861 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 05:15 PM
658 Posts
Joined Nov 2010
zjs2kAug 25, 2022 05:15 PM
658 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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