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CD

Started by Amanda S.
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Amanda S.

Does anyone still use these to invest? I’m deciding if they’re still worth it.

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Shaina P.

@Amanda CDs are not very popular these days but there's one I love. I keep a portion of my contingency fund in it. If you qualify for an account with Navy Federal Credit Union, they offer a 12-month Certificate that pays 3.5% APY. You can start it with anywhere from $50 to $3,000 and make additional deposits up to $3,000 through the maturity date.

Deleted user

I don't think that rate is still available.

@Ming C., the 3.5% APY rate on up to $3000 is still available at Navy Federal CU. Look for the Special EasyStart Certificate. Last I heard, they were also waiving the checking account and direct deposit requirements.

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Grace C.

I think the Navy Federal CU 3.5% APY is still available, but you need both direct deposit and a checking account

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Chris R.

Does anyone still use these to invest? I’m deciding if they’re still worth it.

Not anymore with rates being so low. I don’t expect an increase until about 2025.

Deleted user

I think the Navy Federal CU 3.5% APY is still available, but you need both direct deposit and a checking account

I opened mine in late August, and they were temporarily waiving the direct deposit and checking account requirements.

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Grant B.

Even an index fund can grow 10x as much, for little more risk. Ig @thepossibilityig for more.

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Daniel R.

Go to the bank they can explain their terms and conditions.

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