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Rising Bank: Up to 5.31% APY Certificates of Deposit

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Rising Bank is offering up to 5.31% APY with their Certificates of Deposit[.

Details:
  • Interest credited every 3 months
  • $1,000 minimum balance to earn APY
  • $1,000 minimum opening deposit
  • FDIC Insured
Rates:
  • 6 Month CD 5.31% APY with interest credited every 3 months
  • 12 Month CD 5.26% APY with interest credited every 3 months
  • 15 Month CD 4.50% APY with interest credited every 3 months
  • 2 Year CD 4.25% APY with interest credited every 3 months
  • 3 Year CD 3.85% APY with interest credited every 3 month
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Created 04-04-2024 at 06:12 PM by EfficientGame645
in Finance Rising Bank
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Oct 2010
L4: Apprentice
> bubble2 348 Posts
202 Reputation
jdtreb06
04-16-2024 at 05:43 PM.
04-16-2024 at 05:43 PM.
Quote from Handymanmacaw :
I use Raisin to manage my HYSA and CDs.

Same. I love Raisin. I don't imagine having to switch savings accounts again...
Reply
Joined Feb 2023
L6: Expert
> bubble2 1,295 Posts
114 Reputation
oasisallure
04-17-2024 at 06:53 AM.
04-17-2024 at 06:53 AM.
Quote from keung :
US Treasury Bill could be purchase at any brokers (Schwab/TDA, Fidelity, Vanguard) or TreasuryDirect.

how much is limit? 10k?
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Joined Nov 2020
New User
> bubble2 4 Posts
10 Reputation
SensibleMagic164
04-17-2024 at 07:09 AM.
04-17-2024 at 07:09 AM.
Is it worth and safe to deposit 100k in rising 6 month CD ??
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Joined Jul 2009
L7: Teacher
> bubble2 2,872 Posts
521 Reputation
keung
04-17-2024 at 02:34 PM.
04-17-2024 at 02:34 PM.
Quote from oasisallure :
how much is limit? 10k?
No 10 million each auction

https://www.treasurydirect.gov/research
section Purchase Limits
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Joined Jul 2009
L7: Teacher
> bubble2 2,872 Posts
521 Reputation
keung
04-17-2024 at 02:36 PM.
04-17-2024 at 02:36 PM.
Quote from SensibleMagic164 :
Is it worth and safe to deposit 100k in rising 6 month CD ??
Buy 6 month T bill instead and interest is tax exempt from local and state tax
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Last edited by keung April 17, 2024 at 02:48 PM.
Joined May 2020
L5: Journeyman
> bubble2 806 Posts
201 Reputation
DanRunsNYC
04-17-2024 at 02:37 PM.
04-17-2024 at 02:37 PM.
Quote from OrangeHorn744 :
What t bills
Treasury Bills. Straight from the good ol' government, haha.
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Joined Jul 2009
L7: Teacher
> bubble2 2,872 Posts
521 Reputation
keung
04-17-2024 at 02:43 PM.
04-17-2024 at 02:43 PM.
Quote from AL68 :
Check the history with capital one under search. Rates have been slowly decreasing and we have reached the peak about 6-8 months ago, I don't expect it to come back up.
Then don't invest at capital one Period.


3m 6m, 12m Treasury bill is the same last 9 months.
2 year, 5 year and 10 years Treasury Note is on the rise year to date, and yesterday was the high of the year.

Interest rate is "Dropping" because you pick someone that give you less interest on your money.

You can lend your money to US Government and they will pay you more
Reply
Last edited by keung April 17, 2024 at 02:47 PM.

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Joined Mar 2004
L7: Teacher
> bubble2 2,404 Posts
406 Reputation
Deals_junky
04-17-2024 at 02:57 PM.
04-17-2024 at 02:57 PM.
Don't understand why this CD rate is on the front page. There are many other banks are offering better rate than this. For example, flagstar bank is offering a 7-month CD for 5.5% APY.
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Joined Dec 2016
L3: Novice
> bubble2 128 Posts
111 Reputation
AL68
04-17-2024 at 07:54 PM.
04-17-2024 at 07:54 PM.
Quote from keung :
Then don't invest at capital one Period.


3m 6m, 12m Treasury bill is the same last 9 months.
2 year, 5 year and 10 years Treasury Note is on the rise year to date, and yesterday was the high of the year.

Interest rate is "Dropping" because you pick someone that give you less interest on your money.

You can lend your money to US Government and they will pay you more
This a thread about cd and hysa. The common person will not know about bonds or treasury. I am still learning myself but given my experience with cd and hysa, rates are dropping. And the picture you show is 4.92%, is that the rate that's offered with the US G? I just opened a brokered cd with Merrill at 5.35%.
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