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expiredeugenem posted Feb 04, 2023 02:15 PM
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expiredeugenem posted Feb 04, 2023 02:15 PM

6% interest 18 month CD Frontwave Credit Union

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For those lucky enough to live in their service area the Frontwave CU is offering an 18 month CD at 6% interest.

https://www.frontwavecu.com/Resou...osit-Rates

QA note: Eligibility Requirements - Live, work or worship in either San Diego, Riverside or San Bernardino counties. Or be an immediate family member of a current Frontwave Credit Union member.
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For those lucky enough to live in their service area the Frontwave CU is offering an 18 month CD at 6% interest.

https://www.frontwavecu.com/Resou...osit-Rates

QA note: Eligibility Requirements - Live, work or worship in either San Diego, Riverside or San Bernardino counties. Or be an immediate family member of a current Frontwave Credit Union member.

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45 Comments

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Feb 04, 2023 06:30 PM
294 Posts
Joined Nov 2010
TheCrimsonShopperFeb 04, 2023 06:30 PM
294 Posts
"Rate subject to change without notice"
12
Feb 05, 2023 07:03 AM
226 Posts
Joined Oct 2014
zeroquestFeb 05, 2023 07:03 AM
226 Posts
Quote from Steven10 :
"Rate subject to change without notice"
From my understanding, they can't change a CD's rate once you've funded it. That verbiage would be if they changed it before you signed up, not after.
1
Feb 05, 2023 07:30 AM
2,831 Posts
Joined Nov 2013
AJDeminehFeb 05, 2023 07:30 AM
2,831 Posts
Quote from Steven10 :
"Rate subject to change without notice"
That means they can change it at any time between now and when you actually buy it, meaning the rate could change tomorrow if they wanted to.
Once you've signed up, the rate you see will be what you get.
Feb 05, 2023 02:19 PM
32 Posts
Joined Mar 2010
huss797Feb 05, 2023 02:19 PM
32 Posts
This is good, surprised its not being upvoted, wish I was living in those service areas
Feb 05, 2023 02:37 PM
1 Posts
Joined Feb 2023
CoolCarpenter1495Feb 05, 2023 02:37 PM
1 Posts
Quote from zeroquest :
From my understanding, they can't change a CD's rate once you've funded it. That verbiage would be if they changed it before you signed up, not after.
This is correct.
Feb 05, 2023 02:46 PM
3,694 Posts
Joined Jul 2019
94c107ea-869c-45a5-becd-c6b552Feb 05, 2023 02:46 PM
3,694 Posts
Live, work or worship in either San Diego, Riverside or San Bernardino counties 🙏
1
Feb 05, 2023 10:20 PM
372 Posts
Joined Apr 2005
3ackokFeb 05, 2023 10:20 PM
372 Posts
What proof of working in the service area is required?

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Feb 05, 2023 11:29 PM
704 Posts
Joined Jun 2006
sillycibinFeb 05, 2023 11:29 PM
704 Posts
wish I could get this for my IRA right now. choppy waters ahead. anyone have suggestions for something similar for a retirement account?
Feb 06, 2023 04:17 AM
1,898 Posts
Joined Nov 2009
JRJRFeb 06, 2023 04:17 AM
1,898 Posts
Nowhere near me, I'll have to settle for the Capital One 11 month CD for 5% I guess.
Feb 06, 2023 04:20 AM
2,233 Posts
Joined Nov 2014
TurtlePerson2Feb 06, 2023 04:20 AM
2,233 Posts
Quote from sillycibin :
wish I could get this for my IRA right now. choppy waters ahead. anyone have suggestions for something similar for a retirement account?
Buy 6 month treasuries. They're almost yielding 5%. For a high earner in California, the avoidance of state tax almost makes treasuries competitive with this 6% CD (irrelevant for Roth).
Feb 06, 2023 04:53 AM
51 Posts
Joined Oct 2005
ceasarFeb 06, 2023 04:53 AM
51 Posts
Completely different but something else out there...
The composite rate for I bonds issued from November 2022 through April 2023 is 6.89%
A few things of note:
Rate is adjusted every 6 months and tied to rate of inflation.
Cap is $10k/year
Can only be purchased with cash or tax refunds (cannot use in IRA/401k).
Cannot redeem in first 12 months.
Penalty for redeeming before 5 yrs is the last 3 months of interest.
Last edited by ceasar February 5, 2023 at 09:55 PM.
Feb 06, 2023 04:55 AM
209 Posts
Joined Mar 2021
BulldogPunchFeb 06, 2023 04:55 AM
209 Posts
Get yourself some I bonds from TreasuryDirect.gov. Current rate is 6.89%. Redeemable after 12 months. Maximum of $10k electronic, $5k paper, though.
Feb 06, 2023 05:04 AM
5,145 Posts
Joined Apr 2013
satellite779Feb 06, 2023 05:04 AM
5,145 Posts
Quote from sillycibin :
wish I could get this for my IRA right now. choppy waters ahead. anyone have suggestions for something similar for a retirement account?
Buy treasuries at 4.7%
Feb 06, 2023 05:05 AM
5,145 Posts
Joined Apr 2013
satellite779Feb 06, 2023 05:05 AM
5,145 Posts
Quote from BulldogPunch :
Get yourself some I bonds from TreasuryDirect.gov. Current rate is 6.89%. Redeemable after 12 months. Maximum of $10k electronic, $5k paper, though.
Ibonds will probably go way lower for the next 6 months, bringing the average for a year probably to a level of treasuries (4.7%). It's not as good of a deal as last year, especially with the lack of flexibility (no cash out for a year, 3 month penalty before 5 years etc, $10k limit per year etc).

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Feb 06, 2023 05:32 AM
147 Posts
Joined Jul 2015

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