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Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172239270 added 08-06-2024 8:24 PM by coolcoder in Deal Talk
CIBC bank has a 5.21% 13 month CD. They only charge 30 days of interest as a penalty for early withdrawal. https://us.cibc.com/en/agility/certificates-of-deposit.html
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172239282 added 08-06-2024 8:25 PM by coolcoder in Deal Talk
Yeah, the rates are going down everywhere with the expectation that the Fed is going to start cutting rates.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172241202 added 08-07-2024 1:44 AM by d_wave27 in Deal Talk
You might regret not grabbing this when the fed lowers rates at any minute and your savings account yield drops to 4 and this offer is gone
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172244346 added 08-07-2024 8:01 AM by SirMarvinHaggler in Deal Talk
All signs points to rates going down this year. Get locked in.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172244583 added 08-07-2024 8:20 AM by 3tmnterminator3 in Deal Talk
When the fed lowers rate (probably this fall), Wealthfront and all online cash management products will likely lower rate too. So if you want to lock in that 5%+ rate for 12 months, CDs can be a good...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172252269 added 08-07-2024 5:04 PM by mainomega in Deal Talk
I created 5 accounts each with 9K for the full year term. If for some reason I need some extra cash on hand, instead of cancelling a single CD and lose tons of interest. I just cancel 1 of them....
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172252383 added 08-07-2024 5:15 PM by sobejump in Deal Talk
There were two or so negative comments about this bank. I'd like to add a 3rd. I had (and am still paying off) a credit line with them. It was a pretty good rate, but the way they did things for...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172252830 added 08-07-2024 5:46 PM by Garywally57 in Deal Talk
I do the same thing for the same reason, but just curious, why 9K in each?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172252935 added 08-07-2024 5:55 PM by WolfTheCat in Deal Talk
Makes sense, but that's not really a ladder. A ladder would be a bunch of CDs that mature at different times, not 9 that mature simultaneously. By spreading out maturity dates, you can average...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172254882 added 08-07-2024 8:18 PM by gbcue in Deal Talk
According to online articles, it's just the Marcus Invest digital investing accounts.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172253292 added 08-07-2024 6:22 PM by Lilyly in Deal Talk
was that fifth third a limited promo? i just checked and they only offer 0.01%
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172289697 added 08-10-2024 6:06 AM by WolfTheCat in Deal Talk
Two points: - Many credit unions have a mechanism for you to join through some third-party. Check their website. - Be sure to punch in your zip code. Sometimes the regional deals beat the national...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172236099 added 08-06-2024 4:28 PM by BeigeIdea523 in Deal Talk
Savings account rate can dip at any time. Sure the funds are locked in with a CD, but so is the rate. Obviously you're not supposed to put emergency funds in a CD. Just funds you're sure you...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172237173 added 08-06-2024 5:38 PM by nicemann in Deal Talk
With the fed probably cutting interest rates next month the online savings rates will take a dip. I have been using a high yield savings account for awhile but just took that money out to buy a CD. ...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172245666 added 08-07-2024 9:26 AM by ThriftyHeart9941 in Deal Talk
Can you elaborate on "ladders" please? I assume you are talking about small-er CDs that will vest at different months so you don't have to wait for the whole blob to mature in a year, so in case you...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172247982 added 08-07-2024 12:07 PM by tgpaul in Deal Talk
Don't CDs already price in anticipated rate drops? Nothing's guaranteed, but if I'm a bank, I sure as hell am offering you less for a year of your money if I think I'll be able to get it cheaper in 3...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172249689 added 08-07-2024 1:57 PM by WolfTheCat in Deal Talk
Of course they do. But, they also pay you for committing money for the term. In normal economies when interest rates are flat or rising, CDs will have higher rates than savings accounts or...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172253697 added 08-07-2024 6:56 PM by WolfTheCat in Deal Talk
CDs are currently paying better than tbills. There is the state tax advantage, but that's pretty small where I live. State tax is about 4%. Some bonds pay better, but higher risks. It's best to...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172253814 added 08-07-2024 7:02 PM by carquote in Deal Talk
What happens to $USFRs rate when the fed cuts the rate? Would it not go down as well or is it tied to something else? What is its rate based on?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172267749 added 08-08-2024 5:03 PM by PCBHCA01 in Deal Talk
I wonder why this made front page and a hot deal while other banks are offering the same rates or better? Oh right, SlickDeals is owned by Goldman Sachs. Never mind.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172269366 added 08-08-2024 7:13 PM by LanceTX in Deal Talk
Deal is dead as rate is now down to 5.00% APY.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172285068 added 08-09-2024 6:25 PM by WolfTheCat in Deal Talk
A couple credit unions. Ignore the variable CDs. https://www.depositaccounts.com/cd/2-year-cd-rates.html
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172287423 added 08-09-2024 10:25 PM by flightxxx in Deal Talk
thanks, looks like nothing over 5% that does not require specific employer membership
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172248348 added 08-07-2024 12:29 PM by mcali786 in Deal Talk
What bank was that or was it Goldman sacs?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172254537 added 08-07-2024 7:54 PM by PowerfulName4771 in Deal Talk
Is this a callable CD?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172255047 added 08-07-2024 8:30 PM by BaylorGreen84 in Deal Talk
Make sure to check and research your account’s core position. Some are more tax efficient than others, which may make a CD more attractive. Money market accounts also have more risk than a CD but not...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172255245 added 08-07-2024 8:46 PM by zbs60 in Deal Talk
Yes but that includes the cds. I've never heard of BETTERMENT have u?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172256232 added 08-07-2024 10:42 PM by Jaayyy in Deal Talk
How is this taxed?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172257357 added 08-08-2024 3:39 AM by WolfTheCat in Deal Talk
Betterment started by being one of the first innovators with retail robo-advisors that automatically maintain an asset allocation. Being retail, small investor focused (unlike GS), they'll...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172258398 added 08-08-2024 5:55 AM by TheKingofDeals in Deal Talk
I second this. I am surprised they are still able to operate after the whole Gamestock fiasco. I still have some of their stock which I need to ditch if it ever goes back positive territory above...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172258722 added 08-08-2024 6:30 AM by WolfTheCat in Deal Talk
I tend to agree and purchase from any bank with a good rate. I have ones from Discover Bank, VIA Credit Union, Grant County State Bank, First National Bank of America, and a few corporate bonds and...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172258752 added 08-08-2024 6:31 AM by WolfTheCat in Deal Talk
*cough* sunk cost fallacy *cough* *cough* tax loss harvesting *cough*
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172251288 added 08-07-2024 3:42 PM by spaceXK in Deal Talk
Goldman sucks! Beware
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172255512 added 08-07-2024 9:08 PM by robrob777 in Deal Talk
They are pretty good... Savings transfer arrives same day most of the time
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172258230 added 08-08-2024 5:33 AM by DelightfulCrow1116 in Deal Talk
so what would that mean for people that will have 12 month CD accounts? they still have to honor that, right?
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172265577 added 08-08-2024 2:20 PM by bchill in Deal Talk
Wrong, they are taxed as ordinary income. Dividends are capital gains.
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172327305 added 08-12-2024 7:42 PM by iCEifer in Deal Talk
Not sure what the rate at Wealthfront is but it might be a variable rate that is subject to change. Your wells fargo *might* be 4.65% FIXED for 12 months if you signed up during one of their...
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172228284 added 08-06-2024 7:53 AM by SUCHaDEAL in Deal Talk
https://www.marcus.com/us/en/savings/high-yield-cds?prd=os&chl
Marcus Bank (Goldman Sachs) 12 month Fixed Rate CD 5.15% APY, $500 minimum to open
Expired
Thread created 08-06-2024 by SUCHaDEAL
+61 Score 112 Replies 64,202 Views
Post #172232403 added 08-06-2024 11:52 AM by Butcherboy in Deal Talk
In the past, I would disagree with you. I’ve gotten higher rates from my Fidelity brokerage account than looking at credit unions and banks going to bank rate Seems like that has changed now and...
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