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Charles Schwab Accounts: CD Rates Expired

Up to 5.35% APY
+159 Deal Score
254,740 Views
Charles Schwab offers their Account Holders: Certificates of Deposit with rates up to 5.35% APY.

Thanks to Community Member AZ9 for finding this deal.

Note, login or open an account to purchase. Schwab CD OneSource offers a selection of CDs screened from hundreds of institutions throughout the U.S.

CD rates available through Schwab CD OneSource:
  • 1-3 Month CDs up to 5.20% APY
  • 4-6 Month CDs up to 5.27% APY
  • 7-9 Month CDs up to 5.33% APY
  • 10-18 Month CDs up to 5.35% APY

Editor's Notes & Price Research

Written by
  • About this deal:
    • Rates are current at the time of this posting and are subject to change.
    • Schwab offers brokered CDs which can be resold through brokerage firms at the market price. If you want to redeem before the maturity, the price may differ from the original purchase price of CD, which may result in a gain or loss.
    • Like bank CDs, CDs purchased in your brokerage account through Schwab CD OneSource earn a fixed rate of interest (if held to maturity) over a set period of time and are from FDIC-insured banks.
    • Schwab CD OneSource offers a selection of CDs screened from hundreds of institutions throughout the U.S., making it easy to search for the rate and maturity that meet your needs. Additionally, your CDs are held in your Schwab brokerage account, not at the issuing institution, allowing you to see your whole financial picture and manage your investments in one place.
    • Please refer to the Schwab CD page for more details.
    • Please refer to the forum thread for additional details & discussion. -StrawMan86
Good Deal?

Original Post

Written by
Edited March 21, 2023 at 08:22 AM by
Current CD rates available through Schwab CD OneSource

https://www.schwab.com/fixed-inco...es-deposit

See below for a selection of today's rates

Current CD rates available through Schwab CD OneSource
Maturity Ranges Rates up to
1-3 Month CDs 5.20% APY
4-6 Month CDs 5.32% APY
7-9 Month CDs 5.28% APY
10-18 Month CDs 5.35% APY
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Deal
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+159
254,740 Views
Up to 5.35% APY

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Featured Comments

Careful, some CDs may be marked as callable . Which means the bank call it back in before maturity.
Note. Swvxx is not fdic insured. Technically in worst case scenario you can loose money
Hence you filter for "Call Protection" on your brokerage site

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CompulsiveBuyer
03-20-2023 at 11:13 AM.
03-20-2023 at 11:13 AM.
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bugelrex
03-20-2023 at 11:14 AM.

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03-20-2023 at 11:14 AM.
Careful, some CDs may be marked as callable . Which means the bank call it back in before maturity.
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George_P_Burdell
03-20-2023 at 11:16 AM.

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03-20-2023 at 11:16 AM.
I was told we can simply print more money. Correct me if I'm a wrong.
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noeffort
03-20-2023 at 11:20 AM.
03-20-2023 at 11:20 AM.
Depending what fed does wed., may go with 1 year IRA CD or T-bills....O
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skwishbot
03-20-2023 at 11:29 AM.
03-20-2023 at 11:29 AM.
Quote from George_P_Burdell :
I was told we can simply print more money. Correct me if I'm a wrong.
I tried that. Walmart didn't like it.
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vaiof1
03-20-2023 at 11:31 AM.
03-20-2023 at 11:31 AM.
T-bill rates went down a bit
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lintas1
03-20-2023 at 11:33 AM.

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03-20-2023 at 11:33 AM.
Quote from flycacktothefuture :
brokerage firm may redeem or sell your CD before maturity. In that case, you'll miss out on future interest.CDs in the secondary market act in many respects like short-term bonds(opens in new tab): When rates rise, the values of existing bonds fall;
Hence you filter for "Call Protection" on your brokerage site
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coolcoder
03-20-2023 at 11:36 AM.
03-20-2023 at 11:36 AM.
Quote from vaiof1 :
T-bill rates went down a bit
For what term? I am looking at buying 1 year T-bills. Auction closes tomorrow.
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ilpapa
03-20-2023 at 12:04 PM.
03-20-2023 at 12:04 PM.
odd they aren't listed on fidelity. usually you can find the schwab cd's there.
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vaiof1
03-20-2023 at 12:13 PM.
03-20-2023 at 12:13 PM.
Quote from coolcoder :
For what term? I am looking at buying 1 year T-bills. Auction closes tomorrow.
https://www.treasurydirect.gov/au...a-results/
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ideazinfinite
03-20-2023 at 12:20 PM.
03-20-2023 at 12:20 PM.
Could someone knowledgable explain the risks in more detail? Is there a risk of losing the deposit or just forfeiting some of the earned interest (assuming the amount is under FDIC insured limit)?
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