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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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Anything different between brokerage (JP Morgan) CD and CapitalOne CD? I bank with Chase so I'm in between JPMorgan brokerage CD and this CapitalOne CD. Thank you in advance!
9 months T-Bill has more than 5% return, plus no state tax, which is quite high in CA and NY.
Anytime you need money you can sell the T-Bill at market price before T-Bill mature.
Instead of having 3 13 week bills I will have 6. Based on the state tax savings and the increasing rates it is much more liquid and lucrative to do this.. Glad to see so many of you jumping in on this "almost" inflation neutralizer. 5%+ free is a no brainer. Happy investing all
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
Hey there, do I need to start buying from buying the 4 week t-bill? Or can I start from the 13 week t-bill, then on to the 4 week and 8 week? The reason I'm asking is because I prolly won't make it in time to buy the 4 week t-bill since I'm still waiting for funds to be transferred to my fidelity acct.
Thanks in advance!
Thanks in advance!
Thanks in advance!
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This increases the risk of losing money if the bank fails, although not sure how likely it is.
https://www.capitalone.
Certificate of Deposit Disclosure
Details about the Certificate of Deposit: Our Certificate of Deposit is a "non-certificate" time deposit. It's opened for a specific amount of time at a fixed rate of interest. When you open a Certificate of Deposit, you agree to keep your funds on deposit for a stated amount of time.
Initial Deposit Requirement: There is no minimum deposit required to open or maintain a Certificate of Deposit account. However, your Certificate of Deposit account may not exceed $1,000,000.
Interest Rates and Annual Percentage Yields (APY): Effective as of 3/14/2023
This increases the risk of losing money if the bank fails, although not sure how likely it is.
https://www.capitalone.
Certificate of Deposit Disclosure
Details about the Certificate of Deposit: Our Certificate of Deposit is a "non-certificate" time deposit. It's opened for a specific amount of time at a fixed rate of interest. When you open a Certificate of Deposit, you agree to keep your funds on deposit for a stated amount of time.
Initial Deposit Requirement: There is no minimum deposit required to open or maintain a Certificate of Deposit account. However, your Certificate of Deposit account may not exceed $1,000,000.
Interest Rates and Annual Percentage Yields (APY): Effective as of 3/14/2023
This increases the risk of losing money if the bank fails, although not sure how likely it is.
https://www.capitalone.
Certificate of Deposit Disclosure
Details about the Certificate of Deposit: Our Certificate of Deposit is a "non-certificate" time deposit. It's opened for a specific amount of time at a fixed rate of interest. When you open a Certificate of Deposit, you agree to keep your funds on deposit for a stated amount of time.
Initial Deposit Requirement: There is no minimum deposit required to open or maintain a Certificate of Deposit account. However, your Certificate of Deposit account may not exceed $1,000,000.
Interest Rates and Annual Percentage Yields (APY): Effective as of 3/14/2023
I've never bought a CD before, so i was looking up on YouTube for some additional info, and came across this video. This is where i learned about the non certificate deposit. https://youtu.be/lOs91b92q4M The guy tweeted Capital One and didn't get a straight forward answer saying yes that the CD is FDIC insured. This has put me on fence to buy the CD.
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Please see my response above.. just pasting here again... I've never bought a CD before, so i was looking up on YouTube for some additional info, and can't across this video. This is where i learned about the non certificate deposit. https://youtu.be/lOs91b92q4M The guy tweeted Capital One and didn't get a straight forward answer saying yes that the CD is FDIC insured. This has put me on fence to buy the CD.