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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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It's annoying but you need to open a new performance 360 savings accounts and transfer the funds from your old account into the new one.
Same… I'd like to know as well. Need some inspiration
Also fyi for those touting ibonds. The next projected rate is like 2.5% or something like that. 6.9% (whatever we're at) + 2.5% divided by 2 = approx 4.7% interest for 1 year.
ibonds are still ok, but not sure bet it used to be a year ago.
Also have to factor in the 3 month penalty you're required to take on the I-Bonds to cash them in. There are 3 months of zero return tacked onto the end. You have to go to 15 months & take a 3 month penalty to cash them in.
Also fyi for those touting ibonds. The next projected rate is like 2.5% or something like that. 6.9% (whatever we're at) + 2.5% divided by 2 = approx 4.7% interest for 1 year.
ibonds are still ok, but not sure bet it used to be a year ago.
Whats the CUSIP number for the 4 week T-bills at Fidelity? i only see 3, 6, 12 months.
Do we get a better yield by buying T-bills with coupon?
thx
Whats the CUSIP number for the 4 week T-bills at Fidelity? i only see 3, 6, 12 months.
Do we get a better yield by buying T-bills with coupon?
thx
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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
What are your thoughts/concerns about the debt ceiling deadlock and the impact it might have on Treasury's?
If the US government defaults on its debit, nothing is safe.
If the US government defaults on its debit, nothing is safe.
Bonds will remain a safe investment.
this webpage explains it https://www.wallstreetp
I said it is not the optimal place to put them when saving for retirement.
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I said it is not the optimal place to put them when saving for retirement.