3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
agree with this.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
How difficult it is to move savings into it ?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
For savvy investor out there, would buying sp500 index better for long term hold than this or even treasury fund?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Yeah, I got a deal earlier this week, 25 month CD was 4.3% could’ve chosen the 24 month CD at 4.4, but it’s callable.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
First max out i-bonds per person then look into other secured gains
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Savebetter sucks.
Go put this money on a short-term bond instead. 3.6% or T-Bills.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Max $10k per person, penalty for withdrawal, not allowed to touch for 1 year. No limit here, 30 day cooling off period.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
https://www.bloomberg.com/markets/rates-bonds/government-bonds/us
people need to shut up about the CDs they suck
buy CDs only if they can beat 1 -2 yr treasury bills at the bare min
this deal...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Thus it would be a good time to close this CD and get the one you speak of when it is offered. This CD is mentioned because it is a no penalty version and allows you take advantage of a rising...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
14 months isn't long term, but if you are looking at investing for 10+ years stocks will probably do better
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
It may be marketed as "no penalty" but that's not really accurate as you are already paying a penalty of 0.8% (fair market rate of 4.1%-3.3%) buying the Sallie Mae CD. When compared with the 4.1%...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Not that good of a rate
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Post something better?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
The problem is you are talking about a huge hassle to chase a 3.30% yield for literally a month and a half (until Feds raise rates again). As mentioned, the next 2 interest rate raises should...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Even with 50 basis points bump, its nothing to be overly excited about when inflation rate is about 9%. At this point, you're still losing about 5-6% buying power.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Our local Edward Jones is offering 4.00% for one year CDs. I guess it's a brokerage. What's the downside?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Can you send a link from where you can buy treasuries (not the i-bond)?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Can you send a link to Vanguard page from where you can buy treasuries? I searched but did not find correct landing page
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
wait until end of year and you will get 4.5% APY deal. Good Job Fed
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Just buy I-bonds with 9%+ and build a bond ladder with extra money left. 8 week treasury bill pays 3%+ now
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
FYI the savebetter online platform is clunky. They manage the account, you don't actually have the cd through a bank. It would not let me add a join account owner (the page refused to load then sent...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Having to hear annuity sales pitches, universal life sales pitches, indexed universal life sales pitches, the newest wizbang 5% loaded fund, target retirement funds with a 1.5% expense ratio plus a...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
you can get almost as good rates with money market funds and its not even locked up...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Correct. No one has the crystal ball. For example, 5 year CD rate was at 2.25% in 2017 but CD rates went up to like 2.65% in 2018? So it seemed like a mistake to get the 2.25% CD. However afterwards...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
https://www.treasurydirect.gov/marketable-securities/buying-a-marketable-security/
depending on what you're looking for - non-competitive bid, you can buy directly,
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Post something better. Challenge accepted. here is what's available:
Check out this. https://ibb.co/8XvPfxH
All of those are 12 month terms and MUCH higher rate. The rate offered in this...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
So in other words T Bills are the only actual higher option. The others have balance limits or aren't no penalty.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
You can buy it from TD same place where you buy iBond
https://tipswatch.com/2022/07/04/looking-to-put-cash-to-work-consider-short-term-treasury-bills/...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
just get inflation bonds 9-10%
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
despite those restrictions, there's huge difference between this CD and the bond
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
*******"Closing the account early is permitted without penalty. Earnings may be affected by early withdrawal. Partial withdrawals of funds are not permitted
translation is you cannot access the...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
The rates are annual, so for 3 months you don't get a rate of 3.37%, but only 3.37/4 = 0.84%.
In that case you can just open an AMEX HYSA which has annual rate of over 2%
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Good point, but it's unlikely rates are going down anytime soon. I won't be surprised if we see 4+% rates over the next few months.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Signature FCU Checking 3.5% up to 20K
President Bank 3% checking up to 25K
6 months US T-Bills 3.88% No State tax NO Limit
3 Months US T Bills 3.33% No State Tax NO LIMIT
and go to doctor of...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Please show me a no penalty CD that has a higher APY. Remember, no penalty means you can withdraw any time after 30 days.
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Just buy treasuries on vanguard for no fee and at better rates. I have been buying up 3-6 month treasuries with yields between 3.4-3.8%. You can get higher if longer dated. Also treasuries are more...
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
What's the minimum and maximum to open account ?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
thanks, great info
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
thanks. can you send a link to the ibond thread?
3.30% APY No Penalty 14 month CD (Certificate of Deposit) Sallie Mae Bank
Thread created 10-05-2022 by fgitsin
+27 Score
67 Replies
19,616 Views
Elements offfers 4% but only up to 20k
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