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Capital One: 11-Month 360 CD Expired
5% APY
(No Minimum Deposit)
Update: this extremely popular deal is still available.
Capital One is offering a 11-Month 360 Certificate of Deposit at 5% APY with no minimum deposit.
Thanks to Community Member ginger_ale for finding this deal.
Capital One is offering a 11-Month 360 Certificate of Deposit at 5% APY with no minimum deposit.
Thanks to Community Member ginger_ale for finding this deal.
Original Post
Written by
Edited February 24, 2023
at 12:11 AM
No minimum balance required.
Expires 3/15/23
https://www.capitalone.
Full CD Disclosure
https://www.capitalone.
Expires 3/15/23
https://www.capitalone.
Full CD Disclosure
https://www.capitalone.
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When they offer the new 4 week and 8 week and 13 week t-bill (they auction on diff days and diff weeks) go in and buy one of each of them with whatever money you can spare. Let's use 5k for each.
I would buy a 4 week t-bill with NO Rollover for 5k
I would buy an 8 week t-bill with NO Rollover for 5k
I would buy a 13 week t-bill WITH Rollover for 5k
Then after 4 weeks when that first on comes up, buy another 13 week t-bill with the 5k WITH Rollover.
Then after 8 weeks when the second comes up, buy another 13 week t-bill with the 5k WITH Rollover.
Now you will have 3 13 week t-bills rolling every 4 weeks or so and rolling into a new one with the proceeds. This way every 4 weeks you are capturing an increasing rate and not locked into anything longer than 13 weeks. You benefit from the rate hikes, can cash out at any time, and you have state tax shelter from the earned interest.
I can almost guarantee that the above will yield you more net income (taking in tax break) at the end of 11months then the 5% locked CD
just my 2cents
Fidelity Fixed Income Page [fidelity.com]
Follow the above link and scroll down to the row "U.S. Treasury." Choose the duration you want and click on it. You can then click "buy" to start a trade of a specific treasury bill/bond.
Fidelity's Intro to Treasuries [fidelity.com]
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You have various options: I-bonds; TIPS, Treasury bills/notes
It's worth understanding when it's advantageous to buy each option. And the above site has articles that explain where it's best to buy each option (I-bonds can only be purchased at treasury direct, but others can be purchased through financial institutions, and there can be advantages to doing that.)
Figuring out your best strategy for the current environment takes a bit of your time.
As mentioned earlier, these are not subject to state tax (which can make them better than CDs in some situations), but you will pay federal tax.
This is a good deal but Capitol One are crooks IMO.
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Would I need to use desktop site or is it available on the app?
Rates are going up and there might not be a reduction any time soon. At least for the next couple of years, and maybe longer.
I think you have between the Announcement and Auction dates to purchase a bill that "starts" on the Settlement date. Not sure of times though.
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