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APY GUY: Maximize Your Savings & Earnings

APY GUY: Maximize Your Savings & Earnings

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editorial staff

Valley Bank CD Rates – Now up to 4.85% APY!

Written by: editorial staff
March 8, 2023

Valley National Bank, based out of Wayne, New Jersey, is a regional bank with over 200 locations in New York, New Jersey, Florida and Alabama. The bank claims that it has never had a losing quarter since their founding in 1927 despite many challenging economic periods in the last ~100 years or so.

Today, the bank offers a number of FDIC-insured deposit accounts that come with respectable yields for savers.

They offer 7 CDs (certificates of deposit) with terms ranging from 91 days to 36 months that can be opened online by consumers in all 50 states.

If you’d like a longer term CD, you’ll have to stop by a local branch to see those rates and/or open that account. They offer CDs with terms up to 5 years for local residents, but not online.

To see if Valley Bank’s CD rates are right for you, continue reading our review below.

Valley Bank CD Rates + Account Details

image credit: valley.com

All of Valley Bank’s CDs come with a minimum deposit requirement of $500 and are federally insured by the FDIC up to the applicable limits.

They also impose a maximum deposit allowance of $500,000 if opening the CD online. They allow deposits up to $1m if opened in a branch.

CD Rates

CD TermAPY
91 days0.02%
9 months0.04%
15 months2.25%
18 months0.05%
19 months3.50%
25 months2.00%
36 months (variable rate)4.85%
APY = Annual Percentage Yield

To give these yields some context, the current national average for a 12 month CD and a 60 month CD sit at just 1.36% and 1.26% APY, respectively, according to FDIC data.

That said, there are a number of online banks and credit unions offering yields near the 5.00% and 4.50% APY mark for the same respective terms following the Fed’s most recent rate hike of 0.25% on February 1st.

The 36 month variable rate CD comes with a rate that can change at any time without notice to the account holder. Generally speaking however, variable rate deposit accounts (whether it be CDs, money market accounts or online savings accounts) tend to rise and fall with the interest rate environment as a whole.

Compounding and Crediting Interest

Unlike many CD rates offered from online banks who compound interest daily, Valley Bank only compounds interest on a quarterly basis. Interest payments are also credited to the account quarterly.

Grace Period and Early Withdrawal Fees

Prior to your CD’s maturity, Valley Bank will send you a notification to let you know.

Upon the maturity of your Valley Bank CD, you will be given a 10 calendar-day grace period in which you may modify your CD or close it out without incurring any early withdrawal fee.

If nothing is done during this grace period, your Valley Bank CD will automatically renew with the same term and the going APY at that time.

If you need funds from your CD prior to its maturity you will face an early withdrawal fee.

Valley Bank does not post the fees on their website, so you’ll need to give them a call at 800-522-4100 to get this information.

Open and Fund the CD

As mentioned, the 7 CDs with oddball maturities listed here can all be opened online by consumers in 50 states with up to $500,000. If you’d like to deposit more than that, you will have to stop by a local branch (find locations here) in Alabama, Florida, New Jersey or New York.

Here’s what you’ll need to apply for an online CD:

  • Social Security Number
  • Valid state ID, driver’s license or passport
  • Physical residential address within the United States

The application process is fairly straightforward and should be able to be completed in minutes if you have the appropriate information handy. We should note that once you start the application you will only have 20 minutes to complete it or your session will timeout due to inactivity. The application will automatically save though, so you can pick up where you left off if you need more time.

Here’s what you’ll need to fund your online CD:

  • Current bank or credit union’s routing number
  • Account number in which the funds will be drawn from to fund your Valley Bank CD

Filed Under: CD Rates

U.S. Bank CD Rates – Now up to 4.45% APY!

Written by: editorial staff
March 8, 2023

U.S. Bank has four types of CDs (certificates of deposit) available to consumers. These are:

  1. Standard certificates of deposit
  2. U.S. Bank CD Specials
  3. U.S. Bank “Step Up” CDs
  4. U.S. Bank “Trade Up” CDs

Their standard CDs come with yields more akin to the other large national banks, while their CD specials offer more competitive yields.

Their Step Up CD comes with a 28 month term and a rate that increases every 7 months and their Trade UP CD allows you to swap your deposit for one with a higher rate if interest rates increase while your deposit is active.

To get the full rundown of U.S. Bank’s CD rates and to see if these products are right for you continue reading our comprehensive review below.

U.S. Bank Certificate of Deposit Rates + Details

image credit: usbank.com

U.S. Bank offers eleven standard-term certificates of deposit. These come with a minimum deposit requirement of $500 and a maximum deposit amount of $250,000. They can be opened online, over the phone or in a local branch.

U.S. Bank CDs are federally insured by the FDIC up to the applicable limits.

CD Rates

CD TermDeposit RangeAPY
1 month$500 – $250k0.05%
2 months$500 – $250k0.05%
3 months$500 – $250k0.05%
6 months$500 – $250k0.05%
9 months$500 – $250k0.05%
12 months$500 – $250k0.05%
18 months$500 – $250k0.05%
24 months$500 – $250k0.05%
36 months$500 – $250k0.10%
48 months$500 – $250k0.15%
60 months$500 – $250k0.25%
APY = Annual Percentage Yield

To put these annual percentage yields in perspective, the current national average on a 12 month CD and a 60 month CD sit at 1.36% APY and 1.26% APY, respectively, according to FDIC data.

Interest is compounded daily on all terms.

Grace Period

U.S. Bank CDs come with a standard grace period of 10 days in which you may add or withdraw funds from your deposit penalty free. If nothing is done during this period, the CD will renew for the same terms at the going APY.

U.S.Bank will send you a reminder when your CD is about to mature, but be sure to set up your own notifications if you do not wish to have your funds locked into the same deposit terms.

Early Withdrawal Penalties

If you need to withdraw funds from your U.S. Bank CD prior to its maturity date, you will be charged with an early withdrawal fee. Their current early withdrawal fee schedule is outlined below.

Early Withdrawal Fees

CD Term: 6 months or less
Fee: All of the interest that would have been earned on the funds if held to maturity – OR – 1% of the amount withdrawn, whichever is greater – PLUS – a $25 dollar flat fee.
CD Term: 6 months to 12 months
Fee: Half of the interest that would have been earned on the funds withdrawn if held for the entire term – OR – 1% of the amount withdrawn, whichever is greater – PLUS – a $25 dollar flat fee.
CD Term: Greater than 12 months
Half of the interest that would have been earned on the funds withdrawn if held for the entire term – OR – 3% of the amount withdrawn, whichever is greater – PLUS – a $25 dollar flat fee.

U.S. Bank CD Specials

U.S. Bank has three CD specials.

The minimum deposit required to open one of U.S. Bank’s Special CDs is $1,000 – twice the amount of their standard CDs.

U.S. Bank Special CD Rates

CD TermDeposit RangeAPY
7 months$1,000 – $250k4.15%
11 months$1,000 – $250k4.25%
15 months$1,000 – $250k4.35%
19 months$1,000 – $250k4.45%
APY = Annual Percentage Yield

We should note that the offer listed above only applies for the initial term.

If you allow for your Special CD to renew after the term is up, U.S. Bank will roll this into another CD with the same duration, but the APY will be determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD.

In other words, U.S. Bank will apply the APY of the nearest standard term CD but will keep the oddball duration you had with your initial CD special.

The same early withdrawal penalties apply with U.S. Bank’s CD Specials as they do with their standard CDs.

On Special CDs, all interest payments will be made at the end of the term or annually, whichever occurs first based on the term you select.

U.S. Bank Step Up CD

U.S. Bank’s Step Up CD is a 28 month term deposit with four incremental rate increases (one every 7 months) throughout its duration.

The product starts with an APY of 0.05% and ends with an APY of 0.65% to give you a blended APY of 0.35% for its duration.

Breakdown of APY

TermInterest RateBlended APY
28 months0.05% for first 7 months0.35%
0.25% for next 7 months
0.45% for next 7 months
0.65% for last 7 months
APY = Annual Percentage Yield

To put this offer in perspective, the average yield on a 2 year CD (24 months) sits at 1.28% APY according to FDIC data.

The minimum deposit requirement for the U.S. Bank Step Up CD is $1,000.

U.S. Bank Trade Up CD

The U.S. Bank Trade Up CD currently comes with two terms to choose from. A 30 month term or a 60 month term.

As the name implies, this product allows one to ‘trade up’ for a higher rate if one happens to come along while your CD is active. This is an ideal product during an ascending interest rate environment.

Terms and APY

CD TermDeposit RangeAPY
30 months$1,000 – $250k0.10%
60 months$1,000 – $250k0.40%
APY = Annual Percentage Yield

The 60 month Trade Up CD by U.S. Bank is currently more attractive than the 30 month CD when pitted against the current national average(s) for the nearest terms. As mentioned, 24 month CDs are averaging 1.26% APY nationally according to the FDIC, while 60 month CDs are also sitting at 1.26% APY.

If you go with a Trade Up CD by U.S. Bank you will need to visit an actual branch location to initiate your one time interest rate trade up. Once initiated, U.S. Bank will calculate the remaining time on your CD and find a standard term CD that is closest to it, then apply that rate. Please allow up to 10 days for this rate change to take effect.

Filed Under: CD Rates Tagged With: U.S. Bank

Veridian Credit Union CD Rates – Up to 4.75% APY!

Written by: editorial staff
March 7, 2023

Veridian Credit Union, based out of Waterloo, Iowa is the 48th largest credit union in the country with over 300,000 members and more than $5 billion in assets.

They have just 31 branches (and 3 separate ATMs) mostly in Iowa with 3 branches in Omaha, Nebraska. Most of their branches can be found in the following cities:

  • Ankeny,
  • Cedar Rapids,
  • Cedar Falls,
  • Coralville,
  • Des Moines,
  • Omaha, Nebraska,
  • Waterloo,
  • Waverly

Despite their small regional footprint, they offer fairly competitive CDs (certificates of deposit) that can be opened by anyone online in all 50 states.

If you don’t live near a local branch or have a family member that is currently a member, you can still join the credit union by also joining the Habitat for Humanity and making a $5.00 donation.

You’ll also need to open and maintain a share account with at least $5.00 in it in order to open any CD.

Both of these requirements can be completed during the CD application process.

To see if Veridian Credit Union and their CDs are right for you continue reading our review below.

Veridian Credit Union CD Rates + Account Details

image credit: veridiancu.org

Veridian Credit Union offers 4 types of CD accounts. These are:

  • CD Specials – Terms of 9, 12 and 15 months
  • Standard CDs – Terms ranging from 7 to 39 months.
  • Bump Up CDs – Terms of 18, 30 and 41 months which allow for one rate hike during the CD’s lifespan.
  • Jumbo CDs – Which include all of the aforementioned types of CDs listed above but with a $100,000 minimum deposit requirement.

CD Rates

Veridian Credit Union is member NCUA (FDIC equivalent for credit unions) and all deposits are federally insured up to $250,000 per depositor.

Jumbo CDs require a minimum deposit of $100,000.

CD TermAPYJumbo APY
7 months2.90%3.00%
9 month Special4.00%4.20%
12 month Special4.65%4.75%
15 month Special4.40%4.50%
18 months0.40%0.50%
18 month Bump CD3.75%3.85%
21 months0.40%0.50%
24 months0.40%0.50%
30 month Bump CD3.25%3.35%
36 months0.60%0.70%
39 months0.60%0.70%
41 month Bump CD3.35%3.45%
APY = Annual Percentage Yield

To put these yields into perspective, the national average for 12 month and 60 month CDs sits at just 1.36% and 1.26% APY, respectively, according to FDIC data.

That said, there are now a number of banks and credit unions offering 5.00% and 4.50% APY on the same respective terms following the Fed’s latest rate hike in the beginning of February.

Compounding and Crediting Interest

Interest is both compounded and credited to your account quarterly. You can elect to have the interest payments withdrawn without penalty if you choose. This is ideal for those living off of interest dividends.

Grace Period and Early Withdrawal Fees

Upon the maturity of any Veridian Credit Union CD, you will be given a 10 day grace period in which you may close out your CD or modify it in any way. If nothing is done during this 10 day window, your CD will automatically renew into a new standard CD with the same term and going APY at that time.

If you need access to the funds in your CD prior to its maturity you will incur an early withdrawal fee.

Please note that Veridian Credit Union does not disclose this penalty fee online nor do they have a Truth-in-Savings disclosure form available to view.

That said, standard withdrawal penalties from most banks and credit unions tend to be the following:

CD TermEarly Withdrawal Penalty
12 months or less90-day dividends penalty
greater than 12 mos and less than 48 mos180-day dividends penalty
48 months or greater365-day dividends penalty
These are average early withdrawal fees, not necessarily Veridian Credit Union’s fee structure.

How to Open and Fund a CD

As noted, opening and funding Veridian Credit Union CDs can be done online. You can get started here and click “Open a CD Online.”

To complete the process you’ll need to following personal information readily available:

  • email
  • phone
  • home address
  • social security number
  • driver’s license, passport or state issued ID.

If you’re going to make a transfer from another bank or credit union, you’ll need:

  • your current bank or credit union’s routing number
  • your account number

📌 Please Note: While Veridian Credit Union does not pull your credit score, you will need to lift any credit freezes that you may have with TransUnion in order to open your CD.

Filed Under: CD Rates

PNC Bank High Yield Savings Account – Now 4.00% APY!

Written by: editorial staff
March 6, 2023

[📌 Update March, 2023 – PNC Bank has yet to bump up the yield on their High Yield Savings account in 2023. The last time they hiked the rate on this account was in November of 2022 when they raised it from 3.50% APY to the current 4.00% APY. See details below.]

PNC Bank is the 7th largest bank in the United States by assets with nearly $381 billion in total and the 5th largest bank in the US by branch network with 2,459 branches across 21 states and the District of Columbia.

They offer a full suite of banking services for personal, small business, corporate and institutional clients that cover everything from loans and borrowing to savings and wealth management.

For the purpose of this review we will focus on the personal High Yields Savings account.

📍 Please Note – This account is only available online in eligible markets where PNC Bank does not have physical branch locations. Those U.S. states are as follows:

  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Hawaii
  • Idaho
  • Iowa
  • Louisiana
  • Maine
  • Massachusetts
  • Minnesota
  • Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • North Dakota
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Washington
  • Wyoming

To see if PNC Bank’s High Yield Savings account is right for you, continue reading our review below.

PNC Bank High Yield Savings Rate + Account Details

PNC Bank is member FDIC and all deposits held at the institution are federally insured up to $250,000 per depositor or $500,000 on joint accounts. There is no minimum deposit requirement to open the account, but you’ll need to have at least $1.00 to start earning interest. If your account remains open and unfunded for 180 days PNC Bank may close the account.

High Yield Savings Rate

Min DepositAPY
$04.00%
APY = Annual Percentage Yield

To give this yield some context, the current national average for a savings account sits at just 0.35% APY according to FDIC data. That said, top rates from online banks are now rising above the 4.00% APY in anticipation of another rate hike by the Fed this month on March 22, 2023.

How to Open the Account

Setting up your PNC High Yield Savings account, as well as funding and managing it are simple and straightforward and can be done completely online by anyone 18 years old or older.

To get started, navigate here.

Be sure to have the following items handy:

  • Driver’s License, State ID or Military ID
  • Social Security Number

On top of this, they will also request several pieces of information about yourself such as your full legal name, residing address, telephone number, e-mail address, etc.

How to Fund the Account

Funding the account can be done in four ways. These are as follows:

  • Online Banking – Enroll in online banking and schedule recurring deposits to your high yield savings account. This can be set up from an existing PNC Bank account or an external bank account.
  • Mobile Banking – Download the PNC banking app (links below) and deposit checks on the go.
  • Wire transfer from external bank account. You’ll need your bank or credit union’s routing number plus your bank account number where the funds will come from.
  • By Mail – Send physical checks along with your account name and account number to the following address: PNC BANK, P.O. Box 8108, Philadelphia, PA 19101-8101

Once your account is all set up, you can manage it from a mobile phone, tablet or desktop computer using PNC online banking or one of their native apps. You can download their IOS app or Android app using the links provided.

PNC Bank High Yield Savings Account FAQs

Still have questions about PNC Bank’s High Yield Savings account? See what others are asking around the web along with our responses below.

Does PNC Bank offer a health savings account?

Yes. PNC Bank does offer a health savings account. You can learn more about that product here.

Does PNC Bank offer a money market account?

Yes, but the yields are very low (between 0.02% and 0.05% APY) and you’ll either need to maintain a minimum balance of $5,000 or have it linked to a PNC Bank checking account to avoid a $12 monthly service fee. You can learn more about PNC Bank’s money market account here.

How Often Does PNC Bank Issue Savings Account Statements?

PNC Bank issues savings account statements monthly. You will be notified by email when your statement is ready to view.

How much do you need to open a Savings Account with PNC Bank?

The High Yield Savings account can be opened online with $0. It does, however, need a minimum balance of $1.00 to earn the advertised APY. If you open an account and do not fund it for 180 days, PNC Bank may close the account.

Final Thoughts

PNC Bank’s online savings account is currently one of the most competitive offers on the market after being relatively lackluster for a long time.

If you’re looking for a respectable savings rate at PNC Bank, then the high yield savings account is their most attractive offer. PNC Bank’s CD rates, while on the rise, still remain relatively low compared to yields offered by other online banks and nationally available credit unions.

Filed Under: Online Savings Accounts Tagged With: PNC Bank

Santander Bank CD Rates – Now up to 4.00% APY!

Written by: editorial staff
March 2, 2023

Santander Bank, originally Sovereign Bank, was founded in 1902 and is currently based out of Boston, Massachusetts.

They primarily operate in the Northeast and have 486 branches throughout the following states:

  • Connecticut
  • Delaware
  • Florida
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island

If you live in the Northeast (or Florida) are in the market for a FDIC-insured CD (certificate of deposit) with a competitive rate and APY (annual percentage yield), then you may want to stop by a branch and ask about their 9 month and 12 month CDs.

These two accounts are Santander Bank’s only CD offerings currently. To learn more, continue reading our review below.

Santander Bank CD Rates + Account Details

image credit: santanderbank.com

Santander Bank’s CDs come with a minimum deposit requirement of $500 and a maximum deposit allowance of $250,000 per depositor. Their CDs are federally insured by the FDIC up to the applicable limits.

CD Rates

TermAPY
9 months3.25%
15 months4.00%
APY = Annual Percentage Yield

To put this yield into perspective, the current national average for a 12 month and 24 month CD sit at just 1.36% and 1.26% APY, respectively, according to FDIC data.

📌 Please note – Santander Bank CDs must be opened at one of their branch locations. To find a branch near you start here.

Compounding and Crediting Interest

Santander Bank CDs feature daily compounding interest. Interest is credited back to the account monthly. If you wish to have the interest transferred to another Santander Bank account like a checking account or money market account you may do that as well. You can also have the interest payments mailed to you via a physical check.

Grace Period and Early Withdrawal Fees

Santander Bank CDs come with a 7 calendar-day grace period that starts the day after your CD’s maturity date.

During this 7 day period you can renew or close out your CD. You can also change the maturity date (if applicable) and/or your deposit size.

All Santander CDs automatically renew for the same term and the going APY if nothing is done during the grace period.

If you need funds prior to the maturity of your CD, you will incur an early withdrawal fee. The fee is determined based on the length of the term. See fee structure below:

CD TermFee
12 months or less3 months’ interest
Over 1 year and less than 5 years6 months’ interest
5 years +12 months’ interest

With Santander Bank’s 9 month CD you’d owe 3 months’ interest for withdrawing funds early and with the 15 month CD you’d owe 6 months’ interest.

How to Open a CD with Santander Bank

As mentioned, the only way to open a CD with Santander Bank is to stop by a local branch. Once. your CD is opened, you may have it renewed without visiting a branch, but you will need to call their customer service line at 1-877-768-2265, 8 a.m. to 8 p.m. EST, Monday – Saturday.

If opening a CD at a Santander branch, please be prepared with the following:

  • Your Social Security number
  • A government-issued ID
  • A valid email address

If transferring from another bank, please have:

  • bank or credit union’s routing number
  • bank account number where the funds will be withdrawn from to fund your Santander CD

Filed Under: CD Rates Tagged With: Santander Bank

Bellco Credit Union CD Rates – Now up to 5.00% APY!

Written by: editorial staff
February 28, 2023

Bellco Credit Union, based out of Greenwood Village, Colorado has some noteworthy CD (certificate of deposit) rates at the moment – most notably a 17 month CD yielding 5.00% APY (annual percentage yield).

Bellco Credit Union is the largest credit union in the Denver area, the 2nd largest credit union in Colorado and the 48th largest credit union in the country by assets with over $6.5 billion from their 340,000 members across the country.

They have 28 branches throughout Colorado, however, their CDs can be opened by nearly anyone in the country who is a legal resident or citizen over the age of 18.

If you don’t live in Colorado but are interested in one of Bellco Credit Union’s CD rates, you can still open the deposit account and join the credit union online. There is a one-time $5.00 membership fee and a $5.00 share deposit account that you’re required to open and maintain as your ‘share’ in the credit union.

To see if Bellco Credit Union and their CDs are right for you, continue reading our review below.

Bellco Credit Union CD Rates + Account Details

image credit: bellco.org

Bellco Credit Union’s CDs are insured by the NCUA which is the FDIC equivalent for credit unions. Bellco offers 6 types of CDs to their members. These are:

  1. Traditional CDs – These come with terms ranging from 3 months to 5 years.
  2. Smart Move CDs – These come with a higher minimum deposit requirement, a one-time rate bump, a one-time additional deposit allowance and a one-time withdrawal allowance.
  3. Jumbo CDs – These come with a $100k minimum and only feature 6 and 12 month terms.
  4. Youth CD – These come with a $50 minimum and a 12 month term only. Must be under 24 years old.
  5. HSA CD – You can invest a portion of your HSA. Terms from 12 months to 5 years.
  6. IRA CD – CDs for your Traditional or ROTH IRA.

Traditional CD Rates

Traditional CDs require a minimum deposit of $500 to open. They can be opened online or in a local branch.

CD TermAPY
3 months2.75%
6 months3.50%
12 months3.90%
24 months4.25%
36 months4.25%
60 months4.00%
APY = Annual Percentage Yield

To give these yields some context, the current national average for a 12 month and a 60 month CD sit at 1.36% and 1.26% APY, respectively, according to FDIC data.

Smart Move CD Rates

Smart Move CDs require a minimum deposit of $2,500 to open.

CD TermAPY
18 months2.40%
24 months3.40%
30 months3.40%
36 months3.15%
APY = Annual Percentage Yield

You’ll be allowed one rate bump if rates rise during your term, plus a one-time cash addition of $100 or more, as well as a one-time withdrawal from the account as long as $1,000 balance is left.

Jumbo CD Rates

Jumbo CDs require a minimum deposit of at least $100,000 to open.

CD TermAPY
6 months3.50%
12 months4.00%
APY = Annual Percentage Yield

Youth CD Rates

Youth CDs require a minimum deposit of just $50 and you must be 24 years old or younger to open the account.

HSA CD Rates

HSA CDs can be opened with funds from your HSA (Health Savings Account). They require a minimum deposit of $500 to open.

CD TermAPY
12 months3.90%
24 months4.25%
36 months4.25%
60 months4.00%
APY = Annual Percentage Yield

IRA CD Rates

IRA CDs can be opened within your Traditional IRA or Roth IRA and require a minimum deposit of $500 to open.

CD TermAPY
3 months2.75%
6 months3.50%
12 months3.90%
24 months4.25%
36 months4.25%
60 months4.00%
APY = Annual Percentage Yield

Compounding and Crediting Interest

Interest on all Bellco Credit Union CDs is compounded monthly and credited back to the account on the last day of each month.

Grace Period and Early Withdrawal Fees

Upon the maturity of your Bellco CD, you will have 10 days in which you may close out the CD or modify it in any way. If nothing is done during this 10 day grace period your CD will automatically renew with the same term and the going APY at that time.

If you need the funds in your CD prior to its maturity you will face an early withdrawal fee. The fee structure is as follows:

CD TermEarly Withdrawal Fee
3 months30 days’ interest on amount withdrawn
6 – 36 months90 days’ interest on amount withdrawn
60 months180 days’ interest on amount withdrawn

You can read more in Bellco Credit Union’s Truth in Savings Disclosure Form here.

Opening and Funding your Bellco CD

Opening and funding a Bellco Credit Union CD can be done completely online and obtaining membership in the credit union can be completed during the process of applying for your CD.

Here’s the personal information you’ll need to expedite the process:

  • E-mail address,
  • Phone number
  • Mobile phone with a camera to capture photo ID images and take a selfie
  • Driver’s license, passport or state issued ID
  • Social Security number
  • Current Employment Information (including occupation)

If funding your CD from an outside bank or credit union, you’ll need the following information:

  • Current bank or credit union’s routing number.
  • Current bank account number where funds will be transferred from to fund the CD.

Filed Under: CD Rates

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APY Updates

  • Will CD Rates Go Up in March and April 2023?
    March 22, 2023
  • Fifth Third Bank CD Rates – Now up to 4.50% APY!
    March 22, 2023
  • Charles Schwab CD Rates – Now up to 5.35% APY!
    March 21, 2023
  • Citibank CD Rates – Now up to 5.39% APY!
    March 20, 2023
  • Mountain America Credit Union CD Rates – Up to 4.60% APY!
    March 20, 2023
  • Bask Bank Review – Rates now up to 4.85% APY!
    March 20, 2023
  • Citizens Access CD Rates – Now up to 4.75% APY!
    March 17, 2023

The Big Banks

  • Bank of America CD Rates
  • Capital One CD Rates
  • Citibank CD Rates
  • Chase Bank CD Rates
  • Wells Fargo CD Rates
  • U.S. Bank CD Rates

Noteworthy Credit Unions

  • Navy Federal Credit Union CDs and Savings
  • Patelco Credit Union CDs and Savings
  • PenFed CDs and Savings
  • Connexus Credit Union CDs and Money Market

Brokered CDs

  • Edwards Jones
  • Charles Schwab
  • Fidelity
  • Vanguard

Alternatives

  • 12 Alternatives to CDs and Savings Accounts

Real Estate Investment Platforms

  • Yieldstreet - Avg 10.61% Returns

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