Best CD rates for 12 month terms? Or highest APY savings account?

Marcus by Goldman Sachs is currently offering 4% for 12 months which is a pretty decent return for short term cash. I've never used them before. Alternatively, Betterment and Wealthfront are …

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Best CD Rates For 12 Month Terms? Or Highest APY Savings Account?

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Marcus by Goldman Sachs is currently offering 4% for 12 months which is a pretty decent return for short term cash. I've never used them before. Alternatively, Betterment and Wealthfront are …

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What’s The General Consensus For CD’s Right Now? : R/investing

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What’s the general consensus for CD’s right now? I’m strongly considering placing a significant portion of my Rollover IRA into a 1 year CD that is yielding 5.4%. That’s an incredibly attractive …

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Should I Open A 12 Month CD At 3.25%? : R/personalfinance - Reddit

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Most brokerage companies (fidelity, vanguard, etc.) have CD’s at 5% right now, and they are 3 month terms. They even have one month or two month terms for 4.65% or something like that …

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At What Rate And What Length Would You Do A CD? : R ... - Reddit

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You can have a high apr paying savings as well as CDs. Currently I use Capital One for both, Getting 3+% on savings and 4% on 12month CDs. In a perfect scenario I would do a ladder …

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Best 1-Year CD Rates Of November 2024

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Nov 1, 2024 · Discover® Bank CD 1 Year (4.10% APY) What we like about this 12-month CD: Discover® Bank is perhaps better known as a credit card issuer, but its CDs offer competitive …

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Is CD Worth It Right Now : R/personalfinance - Reddit

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You can get into a 4.75% no penalty 11 month CD with Ally, a 5% CD with Ally for 18 months, a 5% CD with Capital One for 11 months. Those are just a few ideas. You can also buy ibonds …

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3 Reasons Not To Open A 12-Month CD This November -- Even …

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1 day ago · Say you can get 4.5% on a 12-month CD, and only 3.75% on a 36-month CD. The 36-month CD might seem like a worse deal. But if CD rates fall a lot in the new year, by the time …

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High Interest Savings And CDs : R/personalfinance - Reddit

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High Interest Savings and CDs. Saving. Hey everyone, first time poster here. So what are everyone's thoughts on high interest rate CDs and savings? 25% of savings went into 18 …

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Best CD Account Rates - Reddit

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Overall, redditors advised considering personal financial goals and risk tolerance when choosing a CD or savings account. Recommendations from redditors: Schwab CD 10-18 month at 4.80%. …

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$10k To Save Short Term; 12-month CD At 5.25% APY Or I Bond?

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SnortingElk. • 7 mo. ago • Edited 7 mo. ago. $10k is going to only yield $525 on 5.25% over the course of an entire year.. do whatever is simple and most convenient for you. If you have a …

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Are These Good CD Rates And Is It Really Worth It? : R ... - Reddit

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And locking up less than $100k for over 12 months is not really going to even be worth it imo. OP, a better option is to look for new deposit account bonuses that are being offered right now. …

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Are Certificates Of Deposit (CDs) Still Worth It? Why Are They

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Discover is currently advertising a 12-month CD at 2.65%. That would seem like the better alternative than locking your money into a 3-year CD at a lower rate. Unless you get 2.65% for …

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Is Anyone Putting Any Portion Of Savings Into CDs For Nearly 5

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ADMIN MOD. Is anyone putting any portion of savings into CDs for nearly 5% interest rates? I noticed that you can get around 4.3% returns on CDs with as little as 1 year term. My feeling is …

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CD Rates : R/Banking - Reddit

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If you do end up putting money into a 12-month CD with 3.0% APY, remember you are basically locking in that rate for those funds for the next year. Generally speaking, CD rates are fixed, …

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Chase CD Rates Updated : R/personalfinance - Reddit

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You get a 4.75% annual return because of the effect of compounding interest. Accrued interest for the month is paid on the last day of the month. If you deposit $10k on July 1: Take annual rate …

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I Just Learned About CDs. Is This To Good To Be True? : R ... - Reddit

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It's not that good to be true. Most cds are around 2%. There are a few high yield savings accounts that pay 2% interest as well and you don't have to lock your money up. CD rates suck …

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FAQs about Best CD rates for 12 month terms? Or highest APY savings account? Coupon?

How do you compare CD rates?

When comparing CDs, make sure you’re comparing the same term, like a one-year CD, to another one-year CD at a different bank. With CDs, the interest rate is important, as well as considering what the minimum deposit is and any early withdrawal penalties and fees. Are CD rates going up? ...

Can a high-yield CD earn you more money than a savings account?

High-yield CDs can earn you more money than high-yield savings accounts. Our list features banks and credit unions that NerdWallet has reviewed and that have nationally available CDs. The selections have competitive APYs across popular short- and long-term CDs. ...

Is a 3 year CD a good investment?

It could also go up so a 3-year CD at 2.5% carries substantial risk in a way as well. If the saving account pays 3% in a year then you are effectively losing money on the CD. And this just happened. In the last year or so, Ally's rate went from a little over 1% to 2.2%. ...

How much APY does a CD cost?

NASA Federal Credit Union: 4.99% APY for 9-month certificate. LendingClub: 4.70% APY for 10-month CD. Alliant Credit Union: 4.50% APY for 1-year CD. BMO Alto: 4.50% APY for 1-year CD. First Internet Bank: 4.42% APY for 1-year CD. Bread Savings: 4.40% APY for 1-year CD. Synchrony Bank: 4.40% APY for 1-year CD. ...

What banks offer APY for a 1 year CD?

BMO Alto: 4.50% APY for 1-year CD. First Internet Bank: 4.42% APY for 1-year CD. Bread Savings: 4.40% APY for 1-year CD. Synchrony Bank: 4.40% APY for 1-year CD. Popular Direct: 4.30% APY for 1-year CD. Marcus by Goldman Sachs: 4.30% APY for 1-year CD. EverBank: 4.30% APY for 9-month CD. TAB Bank: 4.25% APY for 1-year CD. ...

Should you buy a CD if rates creep back up?

Bernadette Joy, founder of Crush Your Money Goals, notes that whether you lock in a high rate now or wait to see if rates creep back up, the real benefit of a CD is locking in a fixed return. Joy put her money into two one-year CDs that offered a bit over 4% in February 2023, then witnessed rates go even higher. ...