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Forum » 4.75% apy on 18mo cds
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Thread: 4.75% apy on 18mo cds

post 1679453223 03-23-2023, 08:00 AM
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4.75% apy on 18mo cds

you guys jumping in? if you transfer 50k thats 3.5k in 1.5 years
post 1679453313 03-23-2023, 08:02 AM
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Sure is safe man.

Good for you.
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PS: Don't eat poop, just don't let the idea of it stop you from living life to its fullest.
post 1679453403 03-23-2023, 08:05 AM
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Originally Posted By Ironmanlet⏩
Sure is safe man.

Good for you.
im not sure yet. the fed increase might change these numbers soon
post 1679453803 03-23-2023, 08:12 AM
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  1. Lefticle
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Why would you do that when you can just buy SWVXX money market shares which have a 4.5% dividend with WAY more liquidity than a CD?
Always Neg Back Crew.
post 1679453933 03-23-2023, 08:15 AM
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Originally Posted By Lefticle⏩
Why would you do that when you can just buy SWVXX money market shares which have a 4.5% dividend with WAY more liquidity than a CD?
there are 4.75-5% cds with no penalties for early withdrawl
post 1679454013 03-23-2023, 08:17 AM
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#6
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Originally Posted By Lefticle⏩
Why would you do that when you can just buy SWVXX money market shares which have a 4.5% dividend with WAY more liquidity than a CD?
This guy knows what's up
Only in America could you find a way to earn a healthy buck And still keep your attitude on self-destruct

on recharge: DrugsToGetBig
post 1679454043 03-23-2023, 08:18 AM
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99% of the misc couldn't get 50k without getting a loan, but I could see one of them doing it.


"Took out a loan for 50k (@ 8% interest) to put in this CD boyos. DED FKIN SRS. Be rolling in a lambo come next September. You mirin???"
post 1679454123 03-23-2023, 08:19 AM
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Originally Posted By MiscMathematician⏩
there are 4.75-5% cdswith no penalties for early withdrawl
Where? Penalty for early withdrawal is the entire point of a CD.
Always Neg Back Crew.
post 1679454133 03-23-2023, 08:19 AM
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Originally Posted By Lefticle⏩
Where? Penalty for early withdrawal is the entire point of a CD.
Originally Posted By THE-BEEF⏩
This guy knows what's up
https://www.ally.com/bank/no-penalty-cd/
There’s no minimum deposit required to open your account, and you can withdraw your full balance and interest any time after the first 6 days of funding your CD. Plus, we don’t charge monthly maintenance fees.
post 1679454143 03-23-2023, 08:20 AM
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#10
  1. keyboardworkout
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Originally Posted By Lefticle⏩
Why would you do that when you can just buy SWVXX money market shares which have a 4.5% dividend with WAY more liquidity than a CD?
I use Fidelity and always hold all my cash in SPAXX. Cash in / cash out instantly.

YTD is .91%

7-day yield is 4.22%
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post 1679454363 03-23-2023, 08:25 AM
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Originally Posted By MiscMathematician⏩
https://www.ally.com/bank/no-penalty-cd/
LOL. You won't be getting that rate if you withdraw early. Also, it's interesting how they don't have the terms posted anywhere.
Originally Posted By keyboardworkout⏩
I use Fidelity and always hold all my cash in SPAXX. Cash in / cash out instantly.

YTD is .91%

7-day yield is 4.22%
Mirin. That's pretty much what I'm doing. I keep about $4k in my checking account and the rest of my cash in SWVXX.
Always Neg Back Crew.
post 1679454403 03-23-2023, 08:26 AM
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Originally Posted By Lefticle⏩
LOL. You won't be getting that rate if you withdraw early.
it's compounded daily. so yeah, you do
post 1679454523 03-23-2023, 08:27 AM
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Originally Posted By MiscMathematician⏩
it's compounded daily. so yeah, you do
Only if you keep it in there for the entire term
Always Neg Back Crew.
post 1679454563 03-23-2023, 08:29 AM
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Bitcoin is up 66+% YTD.

Enjoy your boomer banking cd goals.
post 1679454993 03-23-2023, 08:38 AM
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#15
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Originally Posted By Lefticle⏩
Only if you keep it in there for the entire term
explain

everything in their documentation says otherwise.

With Ally Bank you have options. The Ally Bank 11-month No Penalty CD allows you to withdraw all your money, including interest earned, without any penalty, any time after the first six days following the date you fund your account. In fact, Ally Bank offers CDs in a wide range of terms to help you reach your savings goals. There's no minimum deposit to open and all of our CDs are backed by the Ally Bank Ten Day Best Rate Guarantee. Whether you're interested in our High Yield CD, No Penalty CD or Raise Your Rate CD, you'll get rates that are among the most competitive in the country and customer service that makes managing your CDs as simple as possible. Learn more at Ally.com or call live, 24/7 customer care at 877-247-ALLY (2559) today.

When the Penalty Doesn’t Apply
The EWP doesn’t apply in the following cases:
• No Penalty CD: This CD doesn’t allow withdrawals during the first 6 calendar
days following the date you first funded your account—in other words, you
can’t close your account until 7 calendar days after the day you first put
money in your account. After that, you can withdraw the full balance and
accrued interest without penalty
post 1679455003 03-23-2023, 08:38 AM
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Originally Posted By lookass⏩
Bitcoin is up 66+% YTD.

Enjoy your boomer banking cd goals.
Down 41% over the past 12 months.
post 1679455313 03-23-2023, 08:42 AM
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#17
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Originally Posted By MiscMathematician⏩
explain

everything in their documentation says otherwise.

With Ally Bank you have options. The Ally Bank 11-month No Penalty CD allows you to withdraw all your money, including interest earned, without any penalty, any time after the first six days following the date you fund your account. In fact, Ally Bank offers CDs in a wide range of terms to help you reach your savings goals. There's no minimum deposit to open and all of our CDs are backed by the Ally Bank Ten Day Best Rate Guarantee. Whether you're interested in our High Yield CD, No Penalty CD or Raise Your Rate CD, you'll get rates that are among the most competitive in the country and customer service that makes managing your CDs as simple as possible. Learn more at Ally.com or call live, 24/7 customer care at 877-247-ALLY (2559) today.

When the Penalty Doesn’t Apply
The EWP doesn’t apply in the following cases:
• No Penalty CD: This CD doesn’t allow withdrawals during the first 6 calendar
days following the date you first funded your account—in other words, you
can’t close your account until 7 calendar days after the day you first put
money in your account. After that, you can withdraw the full balance and
accrued interest without penalty
Post the actual terms agreement.
Always Neg Back Crew.
post 1679455403 03-23-2023, 08:43 AM
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Originally Posted By Lefticle⏩
Post the actual terms agreement.
https://www.ally.com/content/dam/pdf...-agreement.pdf
post 1679455523 03-23-2023, 08:45 AM
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Originally Posted By 300Lane1⏩
Down 41% over the past 12 months.
Now do from it's creation.
post 1679456073 03-23-2023, 08:54 AM
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Originally Posted By MiscMathematician⏩
https://www.ally.com/content/dam/pdf...-agreement.pdf
Ah I see. You can only withdraw the entire balance and close the CD account without penalty. You can't make partial withdrawals and keep getting that rate.

I'll stick with SWVXX which allows more flexibility.
Always Neg Back Crew.
post 1679456313 03-23-2023, 08:57 AM
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Originally Posted By Lefticle⏩
Ah I see. You can only withdraw the entire balance and close the CD account without penalty. You can't make partial withdrawals and keep getting that rate.

I'll stick with SWVXX which allows more flexibility.
you can withdraw your entire balance and buy a new CD rather than a partial withdrawl. i dunno why they have that policy if so easily manipulated. someone in the finance dept is stupid or maybe some law that caused that. in any case its basically 100% liquid minus a couple days of processing
post 1679456483 03-23-2023, 09:00 AM
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I’d have to make a lot more than that to tie up 50K
post 1679456653 03-23-2023, 09:02 AM
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Originally Posted By TypeNirvash⏩
I’d have to make a lot more than that to tie up 50K
its not tied up tho
post 1679456693 03-23-2023, 09:02 AM
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Thats not that good. If you look around there are 5.3ish ones out there.
2 time survivor of The Great Misc Outages of 2022

Survivor of PHP/API Outage of Feb 2023
post 1679456753 03-23-2023, 09:03 AM
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just ask anyone that had a CD with CS or signature bank or SVB... or first republic
PUREBLOOD CREW
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If you are reading this - go do 100 push ups.
post 1679456873 03-23-2023, 09:04 AM
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Originally Posted By tripod29⏩
99% of the misc couldn't get 50k without getting a loan, but I could see one of them doing it.


"Took out a loan for 50k (@ 8% interest) to put in this CD boyos. DED FKIN SRS. Be rolling in a lambo come next September. You mirin???"
Honestly thats a much better plan that buying imaginary crypto “money”
2 time survivor of The Great Misc Outages of 2022

Survivor of PHP/API Outage of Feb 2023
post 1679456893 03-23-2023, 09:05 AM
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Originally Posted By MiscMathematician⏩
you can withdraw your entire balance and buy a new CD rather than a partial withdrawl. i dunno why they have that policy if so easily manipulated. someone in the finance dept is stupid or maybe some law that caused that. in any case its basically 100% liquid minus a couple days of processing
It sure is weird. Sounds like a pain in the ass. Maybe that's what they're counting on.
Always Neg Back Crew.
post 1679456963 03-23-2023, 09:06 AM
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#28
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Originally Posted By Mountaineer92⏩
just ask anyone that had a CD with CS or signature bank or SVB... or first republic
i dont mind tying up money and going with a more established bank. just showing options that are out there; and < 250k is FDIC insured anyway and ally is a member
post 1679457083 03-23-2023, 09:07 AM
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#29
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Isn’t it better to just buy us gov bonds?
With like a short term 1 month 3 months.
post 1679457373 03-23-2023, 09:11 AM
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#30
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Capital One has 5% for 11 months. I had a couple of 3.6% with Marcus Goldman Sachs and they let me withdrew without the 2 month penalty because they're winding down their consumer business.
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