expiredswami.ganapathi posted Oct 04, 2023 02:56 AM
Item 1 of 2
Item 1 of 2
expiredswami.ganapathi posted Oct 04, 2023 02:56 AM
Truliant Federal Credit Union: 11-Month Certificate of Deposit (CD)
w/ $5000 Min. Deposit (Valid in NC, SC, VA, GA, TN)6.25% APY
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Live, work, worship or attend school in a county near one of our branches
Work for one of our business partners
Have an immediate family or household member who is currently a member of Truliant
Join through the American Consumer Council if you live in GA, NC, SC, TN or VA
There is no risk of loss putting money up to the $250k insured limit in a credit union.
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Perfect way to give a finger to your current customers.
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17 and 26 week T-Bills are at about 5.5% and likely headed somewhat higher. Until we reach the point where rates start to decline (not likely anytime soon imo), there is no reason to chase long term I-bonds or CDs imo. I-bonds time has passed since they are not returning as much as T-bills (or money markets at this point). If you don't need the liquidity, buying 17 or 26 week T-bills (which are state and local tax free if you live in a state with an income tax) are the better investment. Set up a T-bill ladder and auto renewals and you can just sit back and let them make money for you risk free until such time as you see interest rates about to fall and then you look to lock in some longer term CDs.
My 2 cents.
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