Got bored and made a CD rate curve. Would love for anyone to add if there are higher than these yields at their CUs. Capture.PNG
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CD Yield Curve - Oct 2022

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2 years ago
Wed Oct 12, 2022 12:50 am
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ToxikPH
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Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 44 minutes Next Level in6 days, 11 hours, and 16 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 16 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 16 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 16 minutes
Got bored and made a CD rate curve. Would love for anyone to add if there are higher than these yields at their CUs.
Capture.PNG 30.78 KiB Viewed 149 times
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Re: CD Yield Curve - Oct 2022

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2 years ago
Wed Oct 12, 2022 8:48 am
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 12 hours, and 44 minutes Next Level in14 days, 11 hours, and 16 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 12 hours, and 44 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 12 hours, and 44 minutes ago
I've purchased a few T Bills instead of CDs lately. They're beating CD rates, plus no state income tax on them. I also checked brokered CDs from Fidelity which are also beating non brokered CDs from banks / CUs. T Bills:
Treasury-T-Bills.PNG 55.63 KiB Viewed 145 times
---- Brokered CDs:
Fidelity-Brokered-CDs.PNG 14.58 KiB Viewed 145 times
beets18
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Re: CD Yield Curve - Oct 2022

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2 years ago
Wed Oct 12, 2022 11:07 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 12 hours, and 44 minutes Next Level in6 days, 11 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 12 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 12 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 12 hours, and 44 minutes ago
Man, I miss the CD rates in the 80s. I had a couple of 5 year CDs back then that were 10.84% and 11.xx%.
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Re: CD Yield Curve - Oct 2022

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2 years ago
Wed Oct 12, 2022 12:09 pm
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ToxikPH
Rebel AdministratorProbably Applying for New Cards
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 44 minutes Next Level in6 days, 11 hours, and 16 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 16 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 16 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 16 minutes
BrutalBodyShots wrote: ↑Wed Oct 12, 2022 11:07 am Man, I miss the CD rates in the 80s. I had a couple of 5 year CDs back then that were 10.84% and 11.xx%.
okay as someone studying finance and way too young I barely was in the 90s, doesn't that mean credit was super costly?
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Re: CD Yield Curve - Oct 2022

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2 years ago
Wed Oct 12, 2022 3:52 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 12 hours, and 44 minutes Next Level in6 days, 11 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 12 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 12 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 12 hours, and 44 minutes ago
Not really sure. I was born in the late 70s and the first 2 CDs given to me were by family members in 1985 at those rates that I referenced. It wasn't until the late 90s when I was of credit age that I ever started really looking at anything that mattered to be honest.
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Re: CD Yield Curve - Oct 2022

6 of 7
2 years ago
Wed Oct 12, 2022 3:58 pm
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 12 hours, and 44 minutes Next Level in14 days, 11 hours, and 16 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 12 hours, and 44 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 12 hours, and 44 minutes ago
ToxikPH wrote: ↑Wed Oct 12, 2022 12:09 pm
BrutalBodyShots wrote: ↑Wed Oct 12, 2022 11:07 am Man, I miss the CD rates in the 80s. I had a couple of 5 year CDs back then that were 10.84% and 11.xx%.
okay as someone studying finance and way too young I barely was in the 90s, doesn't that mean credit was super costly?
Mortgage rates were over 10% in the 80s.
beets18
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