About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents .

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Bank Deals Blog: CD Deals


CapFed Savings Bank Traditions CD Specials - This Week Only
Deal Summary: Traditions CD Specials - 50-month (2.25% APY), 27-month (1.70% APY), 14-month (1.35% APY); $1k minimum deposit; only available September 11-16, 2017.

Availability: Nationwide

Now through September 16, 2017, Capitol Federal Savings Bank (CapFed) is offering three Traditions CD Specials: 50-month (2.25% APY), 27-month (1.70% APY), and14-month (1.35% APY) . Of the three, the 50-month is the most competitive. The minimum deposit is $1k, with no stated balance cap.

All three Traditions CD Specials are available as IRAs (Traditional, Roth, CESA) earning the same...

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American Heritage FCU Has Nationally Available 48-Month CD (2.26% APY)
Deal Summary: 48-month Share Certificate, 2.26% APY, $1k minimum.

Availability: Easy membership requirement

In the past ten days, American Heritage Federal Credit Union (American Heritage) has had two rate increases on its 48-month Share Certificate (2.26% APY), adding an addition 50 bps. This is the first rate increase for the 48-month Share Certificate in more than a year. The minimum opening deposit is $1k, with no stated balance cap.

The 48-month Share Certificate is also offered as an IRA (Traditional, Roth, and CESA) earning the same APY,...

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Truity Credit Union Adds 24-Month Bump CD
Deal Summary: 24-month Bump Share Certificate, 2.00% APY, $2k minimum deposit.

Availability: Easy membership requirement for residents of Bartlesville (OK), Lawrence (KS), or Springdale (AR); 200+ SEGs, including several large oil and gas companies.

Truity Credit Union (Truity CU) began September by introducing a 24-month Bump Share Certificate (2.00% APY). The minimum deposit is $2k, with no stated balance cap.

According to the fine print on the Rates page,

The Bump Share Certificate is also offered as an IRA (Traditional), earning the same APY with the same funding...

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New Nationally Available CD Specials At Veridian Credit Union
Deal Summary: CD Specials - 25-month (1.91% APY), 39-month (2.07% APY), $1k minimum deposit. Jumbo CD Specials - 25-month (2.02% APY), 39-month (2.17% APY), $100k minimum deposit.

Availability: Easy membership requirement through Dwolla; residents of all 99 Iowa counties and five southeast Nebraska counties.

In the past two years, Veridian Credit Union (Veridian) has been quite prolific when it comes to offering competitive short- and long-term CDs. The latest offering includes 25- and 39-month term lengths, in both Jumbo CD Special and regular CD Special formats....

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Adventure Credit Union (MI) Offers 23-Month CD Special (2.05% APY)
Deal Summary: 23-month CD Special, 2.05% APY, $500 min/$1 million deposit, new money.

Availability: Residents of 11 west Michigan counties; 500+ SEGs in West Michigan and Lansing areas.

Two months, Adventure Credit Union (Adventure CU) offered a 13-month CD Special with an outstanding 2.00% APY; that Special has since been withdrawn. At the beginning of the week, Adventure CD added a new CD Special: a 23-month, earning 2.05% APY. While not offering an exceptional rate, the 23-month CD Special is still quite competitive.

...
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Hanover Community Bank (NYC) Offers Promo CD Rates
Deal Summary: 15-Month CD, 1.70% APY, $500 minimum deposit.

Availability: Market area covers a large portion of the NYC metropolitan area, including Nassau, Suffolk, Queens, and Kings Counties, New York.

In early March, Hanover Community Bank (HCB) opened its second branch location in Queens and offered three competitive CDs to mark the occasion. Six months later, HBC has opened its third branch location in Mineola (Long Island) and is celebrating the Grand Opening by offering another three CDs: 15-month (1.70% APY), 29-month (1.85% APY), and 60-month (2.30%...

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Firelands FCU (OH) Unveils 36-month Promo CD (2.06% APY)
Deal Summary: 36-month Promotional Certificate, 2.06% APY, new money, $500 min/$100k max deposit per member.

Availability: Residents of Huron and Crawford Counties, Ohio, and of portions of Erie, Sandusky, and Seneca Counties, Ohio.

Firelands Federal Credit Union (Firelands FCU) has started the month by adding three Promotional Rate Certificates, but only the 36-month (2.06% APY) is truly competitive. The minimum opening deposit is $500 of new money, which is defined as funds “not on deposit at Firelands FCU for the past 30 days.” There is also a $100k...

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First National Bank (PA) Adds 13-month CD Special (1.75% APY)
Deal Summary: 13-month CD Special, 1.75% APY, promo code CD155, $5k min/$500k max, new money, checking relationship required.

Availability: Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, and West Virginia.

First National Bank (FNB) is currently offering a 13-month CD Special (1.75% APY). The minimum required deposit is $5k of new money, with a balance cap of $500k. The special rate requires either an existing or new personal checking account.

The CD Special is also available as an IRA (Traditional), earning the same APY with the funding and...

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Service Credit Union Adds 30-Month CD Special (2.05% APY)
Deal Summary: 30-month Share Certificate Special, 2.05% APY, $1k minimum deposit.

Availability: Easy membership requirement for family members of individuals who are serving, or have ever served, in any branch of the U.S. Military or Department of Defense; active and former members of the U.S. Military and Department of Defense; residents of New Hampshire and portions of Massachusetts (Falmouth area).

In early July, Service Credit Union (Service CU) raised the rate on its 11-month Share Certificate Special to 1.50% APY; that rate is still in effect....

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USALLIANCE Financial Ups Long Term Certificate Account Rates
Deal Summary: Fixed Rate Certificate Accounts: 25-month, 2.00% APY; 36-month, 2.173% APY; 48-month, 2.22% APY; $500 minimum deposit.

Availability: Easy membership requirement

Unfortunately, USALLIANCE Financial (USALLIANCE) is no longer offering the Cooperative Rewards CD Specials it featured in August. Not to be left without a competitive rate or two, USALLIANCE raised the rates on some of its Fixed Rate Certificate Accounts last Friday. The 25-month (2.00% APY), 36-month (2.173% APY), and 48-month (2.22% APY) are the most attractive. The minimum deposit is $500, with no...

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