NASA Federal Credit Union is offering for their
Members: High Yield Certificates of Deposit as listed below with
minimum $10,000 deposit.
Thanks to Community Member
addictedsaver for sharing this deal.
- Note: You must be a NASA Federal Credit Union member to participate in this deal. Click here for membership info and here for membership application. See Deal Editor's Notes for additional terms & conditions.
Available:
- 9-Month Certificate 5.50% APY
- 15-Month Certificate 5.30% APY
- 49-Month Certificate 4.60% APY
Deal Instructions:
- Login to eBranch and click the eBranch Certificate Banner on the right-hand side.
- Select "New Certificate Account," then choose your 9-, 15-, or 49-month Certificate.
- Select the Account you'd like to transfer funds from along with the amount.
- The minimum deposit for high-yield certificates is $10,000 and funds must be available in an eligible NASA Federal deposit account at time of opening.
- There are multiple ways to deposit funds including ACH, Wire Transfers, or Mailing a Check.
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Top Comments
1. Zero Coupon (3 mo) T-bills are yielding 5.2% (Cusip: 912796XY0). You can ladder these and get up to the 9 mos if you want. The extra 0.3% at NASA (assume $10k deposit) is worth $22.
2. Munis - I am seeing Munis (around 9 mos expiration) yielding 4% - these are tax exempt, so 4% / (1-your tax rate) to get after tax yield. These 4% therefore are close to 6%, but there is some risk in munis.
3. Is it worth it - so for each 0.5% increase in yield on a CD (assume you deposit $10k), you get an extra $37. If your bank has a 5% CD and you go through the hassle (I am assuming it is a hassle) to open a new account to get the 5.5%, is the extra $37 worth it to you. That is the real qs.
Just my $0.02. Peace
256 Comments
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1. something called "on the run" and "off the run"
2. bid-ask spread offered by the dealer.
Look at the CUSIP I posted and let me know what rate you see. I can then tell you what is going on. Alternatively, give me a CUSIP you see with the rate and I will check.
The first one shows a price of $98.98 with a discount or yield of 4.268%
The second one shows a price of $98.79 with a yield of 5.19%.
Isn't that a wide gap?
For those who have opened accounts with them, are you fine with exposing your identity information?
The first one shows a price of $98.98 with a discount or yield of 4.268%
The second one shows a price of $98.79 with a yield of 5.19%.
Isn't that a wide gap?
I am looking at the depth of book which shows all bids and offers. You should be able to buy this CUSIP for $98.790 which will yield you 5.198% if you hold it to maturity (8/3/2023). It's not callable so you will get that yield.
For those who have opened accounts with them, are you fine with exposing your identity information?
deposit $15k
let it sit for 9 months and ill get a 5.5% return on it?
why does it sound easy to just keep doing these as they pop up?
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deposit $15k
let it sit for 9 months and ill get a 5.5% return on it?
why does it sound easy to just keep doing these as they pop up?
This CD rate at citizens is an in branch only offer, you will not find it on their website. When you go into one of their branches, it is posted everywhere. It shows that the offer expires on the 31st of this month, yet they can pull the offer at any time.
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For those who have opened accounts with them, are you fine with exposing your identity information?
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