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expirednohomers1 posted Sep 2, 2023 3:43 AM
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Deal Details
American 1 Credit Union is offering a 6% APY on a 1-year certificate of deposit.
https://www.american1cu
Qualifications for Promotional Share Certificate Rate: APY – Annual Percentage Yield. A $1,000 minimum deposit is required to open a share certificate and earn the advertised annual percentage yield of 6.00% APY for a 12-month term. At least $1,000 must be funds not previously on deposit with the credit union. Withdrawals and re-deposits made within 7 days will not be eligible for the promotional rate. Early withdrawal penalties may apply if funds are removed before maturity date and fees may reduce earnings on account. An account must be opened with American 1 Credit Union to open a Share Certificate. Primary Share Savings required; $5 minimum opening balance and $3 one-time membership fee. All new member eligibility requirements and disclosures apply. American 1 Credit Union reserves the right to discontinue the promotion without notice.
https://www.american1cu
Qualifications for Promotional Share Certificate Rate: APY – Annual Percentage Yield. A $1,000 minimum deposit is required to open a share certificate and earn the advertised annual percentage yield of 6.00% APY for a 12-month term. At least $1,000 must be funds not previously on deposit with the credit union. Withdrawals and re-deposits made within 7 days will not be eligible for the promotional rate. Early withdrawal penalties may apply if funds are removed before maturity date and fees may reduce earnings on account. An account must be opened with American 1 Credit Union to open a Share Certificate. Primary Share Savings required; $5 minimum opening balance and $3 one-time membership fee. All new member eligibility requirements and disclosures apply. American 1 Credit Union reserves the right to discontinue the promotion without notice.
Community Notes
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Deal Details
Community Notes
About the Poster
American 1 Credit Union is offering a 6% APY on a 1-year certificate of deposit.
https://www.american1cu
Qualifications for Promotional Share Certificate Rate: APY – Annual Percentage Yield. A $1,000 minimum deposit is required to open a share certificate and earn the advertised annual percentage yield of 6.00% APY for a 12-month term. At least $1,000 must be funds not previously on deposit with the credit union. Withdrawals and re-deposits made within 7 days will not be eligible for the promotional rate. Early withdrawal penalties may apply if funds are removed before maturity date and fees may reduce earnings on account. An account must be opened with American 1 Credit Union to open a Share Certificate. Primary Share Savings required; $5 minimum opening balance and $3 one-time membership fee. All new member eligibility requirements and disclosures apply. American 1 Credit Union reserves the right to discontinue the promotion without notice.
https://www.american1cu
Qualifications for Promotional Share Certificate Rate: APY – Annual Percentage Yield. A $1,000 minimum deposit is required to open a share certificate and earn the advertised annual percentage yield of 6.00% APY for a 12-month term. At least $1,000 must be funds not previously on deposit with the credit union. Withdrawals and re-deposits made within 7 days will not be eligible for the promotional rate. Early withdrawal penalties may apply if funds are removed before maturity date and fees may reduce earnings on account. An account must be opened with American 1 Credit Union to open a Share Certificate. Primary Share Savings required; $5 minimum opening balance and $3 one-time membership fee. All new member eligibility requirements and disclosures apply. American 1 Credit Union reserves the right to discontinue the promotion without notice.
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31 Comments
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NCUA vs FDIC according to Google/Bankrate: Both the NCUA and FDIC are responsible for insuring funds in the event that a financial institution fails. The NCUA insures credit union accounts, while the FDIC provides federal insurance for bank accounts. They both come with the same limits on insurance coverage.
NCUA website: The NCUA does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investment or insurance products are sold at a federally insured credit union.
Their page to join has a form to fill out and it says a member of their team will call you.
"After submitting your application, one of our team members will reach out to you within one business day."
EDIT : Think I answered my own question :
https://www.american1cu
"To join American 1, you first join Community 1 Cooperative for a small $3 membership fee. Joining Community 1 gives you access to a variety of discounted services and all of the wonderful everyday banking products and services of American 1 Credit Union! Then you'll deposit $5 into your new American 1 savings account and you'll officially be a member. Complete our online membership application to join today!"
That then links to the form to join I found before.
It does seem anyone can join, just pay the $3 member fee.
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https://www.investopedi
I'm pretty much just buying a bunch of 4 week t bills through Fidelity now. No state tax in CA on tbills which is cool.
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