expirednohomers1 posted Sep 02, 2023 03:43 AM
Item 1 of 1
expirednohomers1 posted Sep 02, 2023 03:43 AM
6% CD (12-month) at American 1 Credit Union
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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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If someone can invest only 500, their 5% yield would creep up to 525 the end of the year, 512.50 at the end of a six month CD, and so on (if they're not compounded, that is). Not much if you ask me, for leaving money in a bank or any financial institution for that matter, unless in ETF (which would give you more bang for that much)
On the other hand--I read it in an original post not too long ago--someone posted a deal about some CD and investing 50k in it! 50K?? Now that's some serious moolah to put into a CD.
If you can invest 50K in CDs, that tells me you're arguably in top 5% of of SDers. Anyhoo, so, yes, then you can haggle about the difference in annual returns of 2500 (5%) vs 3000 (6%).
Percentage of what principal amount? That often gets lost in such back and forth
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Kinda sad, to be honest...
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