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The Best 18-Month CD Rates in 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Sometimes you need a shorter-term CD, but the rate of return on a 12-month CD just isn’t quite enough. Thankfully, many institutions offer 18-month CD or 19-month CD options. They typically have higher rates than a 12-month account, while remaining a viable choice for near-term savings goals when a 24-month CD would be too long a commitment.The key is to find the right 18-month CD to maximize your savings. If you look around, you can find rates just under 3.00% APY, compared to the average 18-month CD rate of 1.48%. To make the search process easier for you, we’ve uncovered the best 18-month CDs using data from DepositAccounts.com to find the highest APY. We also took each account’s minimum deposit requirement into consideration.

The 10 best 18-month CD rates in 2019

InstitutionAPYMinimum deposit amount to earn APY
USALLIANCE2.70%$500
Merrick Bank2.45%$25,000
Capital One1.90%$0
Affinity Plus Federal Credit Union2.50%$500
Hanscom Federal Credit Union2.50%$1,000
Service Credit Union2.50%$1,000
First National Bank of America2.50%$1,000
Synchrony Bank2.50%$2,000
TruStone Financial Credit Union2.50%$2,500
Live Oak Bank2.45%$2,500

USALLIANCE Financial — 2.70% APY, $500 minimum deposit

USALLIANCE Financial offers the chance to earn at a competitive Special Rate on its 15 Month Certificate when you open the account with money not currently held in a USALLIANCE deposit account. Plus, interest is compounded daily, which grows your money even faster. You need just $500 to open the account. Early withdrawal penalties will equal 360 days of dividends on the amount withdrawn.

USALLIANCE Financial was started in 1966 by a handful of IBM employees. Today, its membership has expanded; you can join USALLIANCE Financial through your place of residence, employer, place of worship, school or organization.

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Merrick Bank — 2.45% APY, $25,000 minimum deposit

Merrick Bank may offer only a few CDs, but they all earn at excellent rates, including its 18 Month CD. Just note that you’ll need at least $25,000 to open one of these accounts. The early withdrawal penalty is equal to 2% of the account balance or seven days’ interest, whichever is greater.

Merrick Bank was founded in 1997 and also provides loans and financing products along with its CDs.

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Capital One — 1.90% APY, $0 minimum deposit

A big name in the banking space, Capital One offers some great rates on its Capital One 360 CDs including its 18 Month CD. Even better, Capital One doesn’t require a minimum deposit to open a CD or start earning interest. The penalty for making an early withdrawal is six months of interest regardless of when you redeem the account prior to maturity.

Capital One 360 is the online banking arm of Capital One, which offers higher rates than what you’ll traditionally see from the bank.

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Affinity Plus Federal Credit Union — 2.50% APY, $500 minimum deposit

Affinity Plus Federal Credit Union offers a variety of CD products, including its competitive 18-month Basic Certificate. You’ll need at least $500 to open one. The early withdrawal penalty will equal 180 days interest.

Affinity Plus Federal Credit Union membership is open to employees, volunteers, students, alumni, members and volunteers of select organizations and groups and individuals who live, work, worship or volunteer in select communities. You may also join if you’re a relative or housemate of an eligible individual or if you make a $25 dues payment to the Affinity Plus Foundation.

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Hanscom FCU — 2.50% APY, $1,000 minimum deposit

Hanscom FCU offers its Traditional Certificates in a range of terms from three to 60 months, each with pretty competitive interest rates — but its 19-Month Special stands out especially for its top rate. It earns at a higher rate than the 12-month and even the 24-month accounts, and dividends are paid monthly. You’ll need at least $1,000 to open. If you make a withdrawal before the account matures, you’ll face a penalty of 180 days’ worth of interest.

Hanscom Federal Credit Union has been around since 1953, with branches throughout Massachusetts. You can also access your accounts at over 5,000 nationwide CO-OP shared branches and over 100,000 surcharge-free ATMs. You can become a Hanscom FCU member through family relationships, your employer or partner organizations.

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Service Credit Union — 2.50% APY, $1,000 minimum deposit

With just $1,000, you can earn at a top 18-month CD rate with Service Credit Union. The account’s dividends are compounded and credited monthly. To become a Service Credit Union member, you must open a Share Savings account with at least $5. You’re eligible for membership based on your residence and military status.

Founded in 1957, Service Credit Union maintains most of its branches in New Hampshire, with a branch in Massachusetts and at Grand Forks Air Force Base in North Dakota. There are also several branches abroad in Germany. You may also access 5,000 shared branches and around 30,000 fee-free ATMs worldwide through the SUM and CO-OP networks.

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First National Bank of America — 2.50% APY, $1,000 minimum deposit

You can open a First National Bank 18-month Time Certificate of Deposit at this rate, which applies to other CDs between 12 and 23 months as well. Each CD requires a $1,000 minimum deposit. The early withdrawal penalty for this range of CDs will equal 180 days of interest.

First founded in 1955, First National Bank of America maintains three branches in Michigan.

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Synchrony Bank — 2.50% APY, $2,000 minimum deposit

With a $2,000 opening deposit, you can snag this solid 18-month CD rate from Synchrony Bank. An early withdrawal will trigger a penalty of 180 days of simple interest at the current rate at the time of withdrawal.

Originally established in 1988, Synchrony Bank is the online banking arm of financial institution Synchrony.

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TruStone Financial Credit Union — 2.50% APY, $2,500 minimum deposit

For a slightly longer term, turn to TruStone Financial Credit Union for its 20-month competitive Certificate. The rate applies to a deposit of $2,500 in new money, or money not already held with the credit union. You’ll lose 365 days’ interest for making a withdrawal from the account before maturity.

Founded in 1939 by eight Minneapolis teachers, TruStone Financial maintains locations in Minnesota and Wisconsin. Membership is open to individuals who live, work, worship, volunteer or attend school in select areas, members/employees/retirees of select organizations and communities and relatives of members.

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Live Oak Bank — 2.45% APY, $2,500 minimum deposit

With CD rates well above 2%, it’s no wonder Live Oak Bank’s 18-month CD makes it on this list. You’ll need at least $2,500 to open an account. Interest earned can be paid out monthly. An early withdrawal will cost you a penalty equal to 90 days of interest on the amount withdrawn.

Largely focused on loans and business banking, Live Oak Bank doesn’t have any consumer bank branches other than its headquarters in Wilmington, N.C. It was founded in 2008.

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Is it worth getting an 18-month CD over a 1-year CD?

When we discuss CD rates, we tend to center the conversation on 1-year CDs. They’re helpful to look at when assessing changes in rates over time, typically compared to long-term CDs. They also the general starting point when creating a CD ladder. So where do the slightly longer 18-month CDs fit in?

18-month CDs are only six months longer than 1-year CDs. It might seem like too little of a difference, especially when you’re squirreling away cash. However, because of this extra time a bank gets to hold your money, banks are willing to pay higher rates on your 18-month deposits, thus boosting your savings a little bit more.

Let’s say you deposit $1,000 into a bank’s 3% APY 18-month CD. At maturity, you’ll have earned around $46. Making that same deposit into the same bank’s 1-year CD at 2% APY, would earn just a little over $20. Of course, rates vary from bank to bank. That’s why it’s important to look for the best CD rates for each term to make locking your money away more worthwhile.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Lauren Perez
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Lauren Perez is a writer at MagnifyMoney. You can email Lauren here

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Best Checking Accounts With No Overdraft Fees

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

iStock

If you’ve ever spent more money than you had in your checking account and got slammed with overdraft fees, you know how quickly they can drain your wallet. You might not even realize you’ve overdrawn your account and keep racking up additional charges before it hits you.

Tired of worrying about overdraft fees? We’ve combed our database to find banks that either don’t charge overdraft fees, provide a simple, no-charge method of overdraft protection, or decline transactions so you don’t overdraw in the first place.

The best checking accounts with no overdraft fees in September 2019

*Simple customers can set up a linked savings account in which their money earns 2.02% APY. Because transfers between these two accounts are instantaneous and unlimited in number, some might consider this checking account to earn the 2.02% APY.
**Aspiration’s Spend and Save account is broken into two linked accounts—a spending account which earns no APY and a savings portion which earns 2.00% APY. Transfers between the accounts are instantaneous and unlimited in number.

Axos Bank Rewards Checking

Rewards Checking - 3 QualificationsThis rewards checking account from Axos Bank has no overdraft or non-sufficient funds fees. Beyond that, the account grants up to 1.25% APY in tiers based on the following requirements:

  • Monthly direct deposits of $1,000 or more earns 0.42%
  • Using your debit card 10 times per month (provided those transactions are at least $3 each) earns an additional 0.42%
  • Using the debit card 15 times per month earns yet another 0.42%

The account’s APY, combined with its lack of maintenance fees and required minimum monthly balance, makes it an attractive option for high-frequency users.

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on Axos Bank’s secure website

Member FDIC

nbkc bank Personal Account

Personal AccountBased in the Kansas City metro area, this bank offers customers nationwide online access to its Personal checking account. For a mere $5 opening balance, you get a checking account with complimentary online banking, a box of paper checks, bill pay, e-statements and more — and most importantly for this list, there are absolutely zero overdraft fees.

While using any of the approximately 32,000 ATMs in the bank’s network is free, you will have to pay whatever ATMs outside of its network charge per use. But nbkc commits to reimbursing $12 of those fees every month, so that should take some of the sting out.

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on nbkc bank’s secure website

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Simple’s Safe-to-Spend checking features

Simple Checking w/o Protected Goals AccountLike Axos Bank, Simple’s checking account doesn’t charge for overdraft fees or returned item fees. There are no minimums, no monthly fees, and you get access to 40,000 fee-free ATMs.

Simple’s an online-only bank built with mobile in mind, meaning that while you can access most of its features from your computer, the bank recommends you conduct your business via its smartphone app.

Overall, Simple offers a different kind of banking experience, as it provides tools to help you manage your money. With its “Safe-to-Spend” program, Simple takes into account any upcoming bills or scheduled transfers you have, and does the math and tell you what you can afford to spend. You can also track your financial goals within its mobile app.

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Chime spending account

Checking AccountFintech app developer Chime doesn’t charge customers overdraft fees for a very simple reason — it doesn’t allow people to overdraw their accounts in the first place. Like some of the other banks on this list, Chime will decline a transaction that would plunge a customer’s account into a negative balance.

As with other online-only banks, you sacrifice the convenience of being able to stroll strolling into a local branch for the elimination of fees charged by traditional banks. The lone exception is a $2.50 for over-the-counter cash withdrawals or using an ATM not part of its 38,000 machine network.

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on Chime’s secure website

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Aspiration Spend and Save Account

Aspiration AccountIf you’re willing to take a risk on a non-traditional bank that charges zero fees, then look no further than the Aspiration Spend and Save account. Online-only bank Aspiration markets itself as a financial institution for the globally-conscious client, and as part of their ethos refuses to charge fees for anything — including overdrafts.

You do need to deposit an initial $10 to open the account, but once you’re set up the only fees you pay are the ones you voluntarily give to Aspiration, 10% of which are donated to charity. Even better, the account boasts a 2.00% APY and free access to every ATM in existence.

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Ally Bank Interest Checking Account

Interest Checking AccountThere is no overdraft fee when you have an Ally Interest Checking account, if you enroll in overdraft protection. You can enroll in overdraft protection by linking an Ally savings or money market account to your checking account, and funds will be moved from the linked account to the checking account in $100 increments.

If you choose not to enroll in overdraft protection, Ally charges a once-a-day overdraft fee of $25. That means if you have more than one overdraft item in a single day, the most you’ll be charged is $25 – you won’t get charged a fee every time an overdraft occurs. Of course, Ally will continue to charge you this $25 fee each day your account balance remains negative, so it’s in your best interest to rectify the overdraft as soon as possible.

On the plus side, there aren’t any maintenance fees, there’s no minimum to open an account, and there are no fees incurred when transferring money to a non-Ally bank account.

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on Ally Bank’s secure website

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Fidelity Cash Management Account

Cash Management AccountThe Fidelity Cash Management Account promises “all the features you need from a traditional checking account, without the bank fees.” Fidelity holds true to this promise with no overdraft fees, and opts to decline transactions that would put you in overdraft by default.

However if you enroll in the account’s free Cash Manager program, you can link a savings or brokerage account to your cash management account. Funds will automatically be transferred (up to $99,999.99 per day) to cover a pending transaction if you don’t have enough in your account, but there’s no option to open a line of credit (an overdraft option we’ll discuss later).

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on Fidelity’s secure website

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Chase Secure Checking

Chase Premier Plus CheckingThis no-frills checking account from one of the nation’s biggest banks prevents overdraft fees by simply denying any troublesome transactions that would put your balance in the negative. But even if you should somehow manage to spend your way into the red, for example by paying for a restaurant meal then adding a tip on the slip after the meal transaction was already approved, this account has you covered. Chase will pay the overdraft amount without charging a fee.

Keep in mind, this is a basic option suitable only for someone who doesn’t care about earning interest or writing paper checks—neither of which are available with this account. You also have to pay an unavoidable $4.95 monthly fee. However if you want a checking account with a major bank that doesn’t charge an overdraft fee, this is a great option.

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What happens if you incur multiple overdraft fees in a day?

At many banks, overdraft fees aren’t always a simple one-time charge. If you aren’t paying attention, you could keep charging your debit card for multiple transactions before realizing you’ve been spending money you don’t have. Depending on the bank’s policy, each overdraft instance may incur its own fee, and there are varying limits on how many fees a customer can get hit with in a single day. Wells Fargo, for example, charges an overdraft fee of $35, with a cap of three charges per day, meaning a customer could be on the hook for up to $105 in fees in one day.

Avoid paying triple-figure fees by knowing when your checking account is running low or by taking swift action once you realize you’re in overdraft territory. The best way to do this is to sign up for account alerts with your bank. Many financial institutions will alert you via email or text (or both) if your account’s balance falls below a certain amount.

Remember, you may think you’re safe but have failed to take into account automatic payments set up for expenses such as utility bills, Netflix, etc. Make sure you keep more than you think you need in your checking account, if possible.

Why you might want to opt out of overdraft protection

Plenty of banks provide overdraft protection services to help provide support to customers who find themselves in an overdraft situation. These banks usually offer protection in one of the following ways:

  • Linking another account to your checking account. Some banks, including Axos and Ally on this list, offer an overdraft protection service where you link a savings or money market account to your checking account. If you make a transaction that would cause an overdraft, money from this backup account would transfer to your checking account to cover the cost.
  • Offering an overdraft line of credit. If you make a purchase that exceeds the amount of money in your account, the financial institution will cover the amount you owe and treat that sum as a loan, on which you’ll have to pay interest and (probably) a fee.

Of the two methods, linking your checking account to another account presents less risk. Taking an overdraft line of credit means paying interest, and if you can’t correct the overdraft in a timely matter, you could find yourself owing more than you originally bargained for, thanks to snowballing interest payments.

While overdraft protection allows you to make your purchases and provides a way to cover the difference, it often comes with a price. Banks can charge fees for transferring funds between linked accounts, for example, which you may want to avoid.

By opting out of overdraft protection, most banks will simply decline to process transactions that your account balance can’t cover. That’s great if you’re trying to buy a pair of sneakers and don’t want to get hit with fees, but if you need to make an emergency purchase, you could find yourself in trouble.

The bottom line

Overdraft fees are expensive and annoying. Buying an item that costs $5 and getting hit with a $27 fee is a pointless expense. Incurring bank fees like this means you’re essentially throwing money out of the window. If you’re prone to overdrawing your account, plug that leak by signing up with one of these seven no-overdraft-fee checking accounts.

promo-checking-wide-v2

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

James Ellis
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James Ellis is a writer at MagnifyMoney. You can email James here

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Best of, Earning Interest

The Best IRA CD Rates – September 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Top IRA CD rates
Source: iStock

Perhaps you’ve decided to build a CD ladder within your IRA, or maybe you’re looking for a safe way to store your retirement cash for a specific period of time. Whatever the reason, you’re interested in getting an IRA CD and, understandably, want to know what products will give you the best rate of return.

You can get an IRA CD with terms ranging from three months to more than six years, with interest rates generally increasing with the term length. There are lots of options, so we’ve rounded up the top IRA CD rates that are available right now for a variety of terms. You’ll select your IRA CD terms based on your CD-ladder master plan or whenever you’ll need access to your money.

Every month, we choose the best IRA CD rates using data from another LendingTree company DepositAccounts.com, a database of offerings at more than 17,100 banks and credit unions. We sorted the products by APY, then eliminated institutions with a health rating below a B. We then eliminated products that are not available nationwide. From there, we chose the IRA CD with the highest APY among products with a minimum deposit no greater than $5,000. Here are the best options.

The best IRA rates in September 2019

Term

Institution

APY

Minimum Deposit Amount

3 months

TIAA Bank

1.95%

$5,000

6 months

CommunityWide Federal Credit Union

2.35%

$2,000

12 months

State Department Federal Credit Union

2.63%

$500

18 months

Capital One

1.90%

$0

2 years

MAC Federal Credit Union

2.80%

$1,000

3 years

Hughes Federal Credit Union

3.10%

$1,000

4 years

State Department Federal Credit Union

2.93%

$500

5 years

State Department Federal Credit Union

3.19%

$500

6+ years

Evansville Teachers FCU

2.50%

$1,000

 

Best 3-month IRA CD — TIAA Bank Yield Pledge IRA (Traditional, Roth)

3 Month Yield Pledge IRA from TIAA Bank
TIAA Bank offers customers a 3-month yield pledge CD that’s also eligible for IRA protection. Savers can expect an APY of 1.95%, with a minimum deposit of $5,000.

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Best 6-month IRA CD — CommunityWide Federal Credit Union (Traditional, Roth)

6 Month IRA from Communitywide Federal Credit Union
CommunityWide Federal Credit Union is offering the highest rate available on 6-month IRA CDs at 2.35% APY for deposits of $1,000 and over. That translates into earnings of $11.71 if you were only to deposit the minimum amount. Compare that to the average of all regular 6-month CDs, at 0.91%.

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on Communitywide Federal Credit Union’s secure website

NCUA Insured

Best 1-year IRA CD — State Department Federal Credit Union (Traditional, Roth)

12 Month IRA Certificate from State Department Federal Credit UnionThis one-year term share certificate earns an APY of 2.63% and only requires a minimum deposit of $500. This is a significantly higher rate than the credit union’s traditional one-year share certificate, which earns an APY of 2.42%. If you deposited $1,000, that would earn you $26.30 by the time the account matured.

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on State Department Federal Credit Union’s secure website

NCUA Insured

Best 18-month IRA CD — Capital One 360 IRA CD (Traditional, Roth, CESA)

18 Month 360 IRA from Capital OneCapital One’s 18-month 360 IRA CD can earn you a competitive rate of 1.90% APY. There’s no minimum deposit to open a CD or start earning interest, although the penalty for making an early withdrawal is six months of interest — no matter when you redeem the account prior to maturity. As the online banking side of Capital One, Capital One 360 tends to offer higher rates than the bank’s conventional CDs.

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Member FDIC

Best 2-year IRA CD — MAC Federal Credit Union (Traditional, Roth)

24 Month IRA from MAC Federal Credit Union Headquartered in Fairbanks, AK, MAC Federal Credit Union’s 2-year IRA share certificate earns 2.80% APY with a minimum deposit of $1,000. This IRA share certificate is available for a Traditional IRA or a Roth IRA. Membership in this credit union is open to anyone who joins the Polar Bear Chapter of the Association of the United States Army, which costs $40 for a two-year membership.

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on MAC Federal Credit Union’s secure website

NCUA Insured

Best 3-year IRA CD — Hughes Federal Credit Union (Traditional, Roth, SEP)

36 Month IRA from Hughes Federal Credit UnionThis credit union based in Arizona allows anyone in the country to qualify for membership provided they make a $10 donation to one of several associations, including Friends of the Oro Valley Public Library, Friends of the Pima County Public Library, Friends of Green Valley Library, and Friends of Kirk-Bear Canyon Library. The high APY and relatively low minimum deposit makes this IRA CD a great choice.

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on Hughes Federal Credit Union’s secure website

NCUA Insured

Best 4-year IRA CD — State Department Federal Credit Union (Traditional, Roth)

48 Month IRA Certificate from State Department Federal Credit Union State Department FCU continues to dominate the longer-term IRA CDs with its 48-month CD, boasting a rate of 2.93% APY. As with all State

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on State Department Federal Credit Union’s secure website

NCUA Insured

Best 5-year IRA CD — State Department Federal Credit Union (Traditional, Roth)

60 Month IRA Certificate from State Department Federal Credit UnionThe State Department FCU, a regular fixture of these lists, doesn’t disappoint with its 5-year IRA CD rates offering a high APY with a low minimum balance requirement of $500.

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on State Department Federal Credit Union’s secure website

NCUA Insured

Best 6-year IRA CD — Evansville Teachers FCU (Traditional, Roth, CESSA)

6 Year IRA from Evansville Teachers Federal Credit UnionTo join this credit union, you may make a $5 donation to the Mater Dei Friends & Alumni Association. You may want to strongly consider doing so, as the 6-year IRA CD rate offered by Evansville FCU is the best on the market in terms of APY. Plus, it only requires a minimum balance of $1,000.

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on Evansville Teachers Federal Credit Union’s secure website

NCUA Insured

3 questions to consider before opening an IRA CD

Opening an IRA CD generally requires filling out a form or talking to a banker. You’ll have to have a way to fund your IRA CD, whether that’s rolling over an existing retirement account into an IRA CD or depositing cash into the product. The same limits that apply to IRA contributions apply to IRA CDs: $5,500 per year ($6,500 if you’re over age 50) of your own money across all your IRA accounts each year, and you can do a rollover once per year.

Unless you’ve invested in a bump-up IRA CD, you won’t be able to take advantage of a higher rate until your CD matures. Withdrawing funds from an IRA CD before they mature will result in a stiff penalty. Bump-up IRA CDs give you a chance to increase your interest rate to a higher level if it’s available, but you’re generally only allowed to do this once or twice during the life of the CD.

You can either use the direct-transfer method or the indirect-transfer method. The direct transfer method requires setting up your new IRA account filling out a form authorizing the bank or credit union to transfer money from the old account into the new account. The indirect transfer method involves you asking for a check from your old IRA account. You have up to 60 days to deposit that check into your IRA CD to avoid incurring a penalty.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Lindsay VanSomeren
Lindsay VanSomeren |

Lindsay VanSomeren is a writer at MagnifyMoney. You can email Lindsay here