What are the top two CD rates out there in October? What are some of the best rates you can get if you don’t qualify for these top two CD rates & what no-penalty CD would I personally buy right now if I were a CD buyer?
Join our growing number of super-supersaver members & get your questions answered in our next live member Q&A 👉
#jenniferlammer #bonds #fixedincome
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⭐ Sept Live Member Q&A:
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REFERENCED IN VIDEO:
⭐ Treasury Rates To The Moon?!
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⭐ Brokered CDs:
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As we head into the final quarter of 2023, savers and investors are keeping a close eye on the top CD rates available in the market. With interest rates fluctuating and the economic landscape constantly evolving, finding the best no-penalty CDs for 2023 has become a top priority for those looking to grow their money safely and securely.
Fortunately, there are a number of financial institutions offering competitive CD rates that offer the flexibility of no-penalty terms for 2023. These no-penalty CDs allow you to withdraw your funds before the CD matures without facing any penalties, making them an attractive option for those who want to protect their investments while still having the flexibility to access their funds if needed.
Some of the top CD rates available for October 2023 include offerings from online banks, credit unions, and traditional banks. These institutions are competing to offer the most attractive rates in order to attract customers and grow their deposit base. With the Federal Reserve’s recent decision to hold off on interest rate hikes, now is a great time to lock in a competitive CD rate for the coming year.
When considering the best no-penalty CDs for 2023, it’s important to compare the rates, terms, and minimum deposit requirements offered by different institutions. Additionally, consider the financial stability and reputation of the institution, as well as any additional perks or features that may come with the CD, such as online account management or automatic renewal options.
Some of the top CD rates for October 2023 include offerings from institutions such as Ally Bank, Marcus by Goldman Sachs, and Discover Bank. These online banks consistently offer competitive rates and the convenience of managing your accounts from anywhere with internet access. Additionally, credit unions and traditional banks may also have attractive offerings, so it’s important to shop around and compare options before making a decision.
Ultimately, the best no-penalty CDs for 2023 will depend on your individual financial goals and needs. Whether you’re looking for a short-term option to park your cash or a longer-term strategy to grow your savings, there are a number of competitive offerings available in the market.
As always, it’s important to do your due diligence and carefully consider all aspects of a CD offering before making a decision. By staying informed and taking advantage of the top CD rates for October 2023, you can find a no-penalty CD that meets your needs and helps you achieve your financial goals.
Just got a letter from Synchrony. 5.65% for 14month CD, Have to open by Dec 4th.
My credit union BECU just dropped a 5.75% APY 3-5 month CD
Current Bank of OZK is offering new customers CD rate is 5.60% @ 13 months.
Love this! Thank you for the information. Question, can I move money held in a retirement bank at edward jones straight into the CD?
I have a 5 year cd ladder with average 5.10
Looking to open no penalty CDs. What is the going CD interest rate now in October 2023? I am a new subscriber.
Why do a CD when I currently have a high yield savings at 5.25. No fees.
Isn’t there a limit to treasuries of only being able to buy $10k per year vs the CD which has unlimited deposits in some banks?
Ally Bank 5 yr CD at 4.1%, their high yield savings account is currently at 4.25%. PENFED has a 7 year CD at 3.9%. I plan to get into 5 and 7 year T Notes very shortly here.
Hi Jennifer, have you seen this 6.55% 10-year corporate bond from Bank of America (CUSIP= 06055JCN7)? It's callable after 2 years. Can you analyse if this is worth it? Why would BoA do this?
Capitol One 360 CD is now offering a 10 month CD at 5.3% APY and 5% on 12 and 18 month.
I saw BofA offering 6.5% corp bond, any thoughts?
FYI: You cannot withdraw your money from a No Penalty CD for the first 30 days on Raisin
Nice, I don't qualify for those first two, but my credit union (Suncoast CU) has an 11 month CD at 5.75 APY, $500 minimum. I think it has to be "new money" though
Just found a 5.7% 12 month JPMorgan on Fidelity. If it’s a joint account you have up to $500k covered by FDIC insurance.
very helpful! Thank you
is Laurel Road Bank legit? It offers $300 opening bonus with direct deposit, and monthly bonus with qualifying direct deposit every month, plus 5% rate on HYSA
Still prefer T bills at this time, more flexibility and no state tax.
Thank you for great videos. I ran across saw this bank offers 6% for CD, It is humancredit. Can you tell us what you think, thanks.
Do u think my local Wescom Credit Union may be in trouble? How would I know? I just received a booklet from them that says "Your account(s) may be terminated or closed by us at any time, without prior notification."
I have 3 12-month CDs in CFG Bank for 5.29%, 5.37%, and 5.53% interest rate. I have never bought a t-bill, but will look into it because I am also in a high taxing state. Thanks for the comparison.
Sound advice Jen.
you presentation is better than any other financial info site or channel. using a table really compresses the info and allows for comparison. thanks!
please forgive the rudeness of this question, we can't control what's happening in the world, but we do have to make good choices for ourselves. with America obviously getting involved in another starting war i am trying to wrap my head around how the gears turn. inflation? deflation? higher bond yields. ect.
Will definitely follow this channel and wanna to see how ppl end up…really strange to see general people "investing" in these tools.