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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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I still see NO reason to be locking into an 11 -12 month CD when you are getting the same rate even on a depressed week through treasuries. Don't forget you also don't pay state tax on the interest on t-bills. So that 4.75% or 5% on the t-bill is worth more to you than a equiv CD and you aren't trying your money up for a year. I don't see any advantage to a CD, even a short term one, over a treasury with inflation and rate hikes still coming.
I still see NO reason to be locking into an 11 -12 month CD when you are getting the same rate even on a depressed week through treasuries. Don't forget you also don't pay state tax on the interest on t-bills. So that 4.75% or 5% on the t-bill is worth more to you than a equiv CD and you aren't trying your money up for a year. I don't see any advantage to a CD, even a short term one, over a treasury with inflation and rate hikes still coming.
Do you have suggestions if tbill ladder vs. IBonds are the better route? I'm getting ready to try one of them but can't figure out which is better.
From what I've read, it seems like its safer to wait until next month to make this decision?
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schwab doesnt seem to have tbills at auction, just secondary market?
my 1month tbill (secondary market) matured.
now buying:
Maturity: July 20, 2023 (3 months and 6 days from today)
Auction Date 04/17/2023
sooooo much more convenient than secondary market because Auto-rollover.
(no auto-rollover for secondary market buys so i have to login everyone to make a buy)
my 1month tbill (secondary market) matured.
now buying:
Maturity: July 20, 2023 (3 months and 6 days from today)
Auction Date 04/17/2023
sooooo much more convenient than secondary market because Auto-rollover.
(no auto-rollover for secondary market buys so i have to login everyone to make a buy)
my 1month tbill (secondary market) matured.
now buying:
Maturity: July 20, 2023 (3 months and 6 days from today)
Auction Date 04/17/2023
sooooo much more convenient than secondary market because Auto-rollover.
(no auto-rollover for secondary market buys so i have to login everyone to make a buy)
Expires 3/15/23
https://www.capitalone.
best cd from your link is 12month 5%, as of 11/30/23.
Any more cap one cd specials rates?
their 360 Performance Savings is 4.3%.
For comparison (tax free state and local):
- gov't 13week t-bills (popular on this forum)
BANK DISCOUNT 5.31%
COUPON EQUIVALENT 5.47%
- gov't 6month t-bills (best rate?):
BANK DISCOUNT 5.3%
COUPON EQUIVALENT 5.54%
Though coupon equivalent meant 1 yr equivalent?
https://www.google.com/search?q=t...e&
but the 6month tbill pays .01% less than the 13week so have no idea why the coupon equivalent is higher?