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Forum
-> Inquiries & Offers
-> New York related Inquiries
amother
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 Wed, Aug 07 2024, 8:09 pm
Which banks with locations in NY or NJ (I prefer that to online banks, unless difference in rate is huge) are offering best CD rates for about a 1 yr term?
I always preferred Money Market accts to CDs because funds are accessable.
But talk is that rates will be dropping drastically very soon, so I should probably be transferring to CDs.
Any thoughts/advice?
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amother
Almond
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Wed, Aug 07 2024, 10:35 pm
Do a Google search. The rates will depend on length of time and amount you want to invest.
Check bankrate.com and/or forbes.com.
Don't rule out online banks. They might be offering better rates than what you can find locally.
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amother
Darkblue
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Wed, Aug 07 2024, 11:55 pm
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I use capital one. But do your own research there might be better ones now
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amother
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Thu, Aug 08 2024, 12:02 am
| amother Darkblue wrote: | | I use capital one. But do your own research there might be better ones now |
Yes, their Savings rates were amazing but their CD rates arent that amazing.
From what I see online, Capital One has a 12 month CD at 4.50% APY. I think the Santander rate for a 1 yr CD may be higher.
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amother
Maple
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Thu, Aug 08 2024, 2:28 am
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We did one a year ago with First central savings bank in queens. They were offering 5.15 then which was better than Chase. Now their 1 year CD is down to 4.30. I guess they figure that the fed will lower interest rates soon.
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