USALLIANCE Financial adds a 12mo CD Special at 3.00% APY. $500 minimum deposit - new money.
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I have an old USAlliance FCU CD 2% that matures 8/2019. Wish I could trade it in on this one. 
Hughes Federal Credit Union (easy membership requirement) has a 36mo Jumbo CD at 3.10% APY ($99K req’d) or 36mo Mini Jumbo CD at 2.99% APY ($50K req’d)
Has anyone else already opened a USPS FCU membership in order to snag one of those 3.20% CDs?
If so, could you say how the application process went for you? Any problems?
Looks as if, right now, that remains one of the best deals out there.
Affinity Plus Federal Credit Union has a 60mo CD at 3.25% APY. Easy membership requirement. $500 minimum deposit.
Well, I decided to follow my own advice and go for the slightly lower Hanscom yield instead. I have applied at Hanscom. It does not say so at their website, but the CU pays for your membership in one of the qualifying organizations. I selected the Air Force Association. I’m already a Navy League member owing to my NFCU membership, so now branching out.
Anyway, hoping for the best. I do not expect their 19 month CD special at 3% to be around after the end of this month. I just hope it lasts that long! Was able to fund a mini-CD, 19 month, at time of account opening via CC. But without an account number, so far, am unable to get anything larger going.
USPS? I dunno. They freak me out a little. Still might open. We shall see.
ETA
I’m thinking we can kiss any shorter term 3% or 3+% CD good-bye after the end of this month. And I’m not prepared to make a five year commitment.
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what was the max funding by cc? purchase or cash advance? thx
Max CC funding is $2K, and $25 of that has to be the savings account opener.
Dunno on the CA aspect. Depends on which card you use. I used my Alliant Visa and do not anticipate any trouble. But you NEVER know for certain until you try. If it should go through as a CA (cash advance) I will just pay that off quickly and move on.
USPS FCU
Cannot find reference to this cd… is this 5 year?
It is a two year CD at USPS, vs. the one at Hanscom which is only 19 months. Be certain to check the e-MISCA rates. I just checked and it is still available.
I went for the shorter maturity. Still am considering USPS, though.
Hmmmmm
Hey and do not ignore, at Hanscom, their cool Thrive account which pays 5% interest but is dollar limited. If I’m accepted at Hanscom, even if there is not time to open the larger CD I want, I will still be allowed to open a Thrive account. So it will not be a total loss even if I’m shut out of the big CD owing to lack of time.
I mean, what the heck, free money is free money. I’m in at DCU, at 6+%, for less money than a Thrive account allows. So I’m more than happy to take the 5% on the Hanscom Thrive account. Free is cheap.
I still have a couple add-on CD’s. United Bank (MA) 3.15% 6/15/20, & Ist. United CU 3.0% 10/6/20. These two will mature next year, then I’ll be out in the cold.
I think I may check in on the Hanscom 19mo 3%. Like shinobi said, we may not see any 3+% CD’s for the coming year. 
e-MISCA rates means what?
MISCA is an acronym for Monthly Income Share Certificate Account, which is designed to,
transfer monthly dividend payments to your USPS FCU Share Savings or Checking Account as an income supplement.
Don’t feel bad for not knowing. Half the time shinobi posts, as much as his contributions here are appreciated, I spend the next half hour launching investigations into acronyms and trying to remember again who the hell Ken is.
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How do you go about doing this? I selected the “am or will be joining” option, and it wasnt mentioned again during the application.
You did it right, glitch99. You select that option and then, in addition, make your pick from the four options mentioned in the drop-down menu.
I agree it is not stated anywhere in the application that they pay for you to join whatever organization you choose. When my rep mentioned this I challenged her twice . . just to be certain I was hearing her right. She insisted Hanscom will pay. So I was like: “Do not look a gift horse in the mouth” 
As always, it was only a single rep who told me Hanscom will pay. If I end up having to pay . . well . . I’m still OK with that. But so far I have not paid.
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Sorry if you had difficulty. I posted the link to USPSFCU eighteen days ago. On the linked page there is a place where it says “Rates”. You click on that and can see the rates straightaway. However:
Some with interest in the high yielding account were having difficulty finding mention of it on that rates page. This is why I added mention of need to be certain to look for their e-rates, which is where their special resides. Some people fail to do this and think the special has been cancelled.
I continue to have hesitation at USPSFCU and have not dived in. This means I’m most likely not gonna get the deal, what with their snail mail thing using up time between now and month’s end. They told me the rate likely will be good until then, but no promises after thirtieth of June. Probably will have regrets once it’s too late. But USPSFCU is just a little too quirky for me.
I still feel good with Hanscom, though. Hope I luck out there.
ETA
Probably should add above mention of 30 June is misleading. June ends on a Sunday. Hence, those interested in USPSFCU have only until 28 June, 29 June at the latest if USPSFCU even is open on Saturdays. I do not know about that.
June is a little short of the mark, but that October CD of yours is not bad at all. My focus is getting my money back just after the election . . . . . . . if I can arrange that or as close as I’m able to come to that mark. I will have a better handle on things then. Between now and the election I think things are gonna be messy. Sure hope I’m full of prunes with that opinion . . . but that’s how I see things.
OK, guys, here ya go! This is an alternative to USPSFCU and Hanscom which will still allow you a return at or nearby to the 3% mark:
Have a look at this rate table offered by Interior FCU:
Interior FCU rates Please scroll down
Pay special heed to the two year rates, both not too shabby and no snail mailing required!
Q: Shin, are you in?
I applied a short while ago and made dough already with a sweet charge to my CC.
Q: Was it a clean process?
I found the application process very smooth. I have no complaints.
I still plan to do Hanscom, but USPSFCU is now off the table for me. I never liked that outfit anyway, even though the APY is ever so slightly higher. Snail mail is annoying (to me). Also, word on the street is the USPSFCU phones are slammed! Who needs the aggravation.
With only a 4 month difference I’d look more at the Bump-up 20 month that pays the SAME rate as the 24 (100K and up) or 2.80% for $500-99999. This allows you to have the interest rate bumped up 1 time in the life of the cd should rates rise again.
Requirements are easy. Join the New Mexico Wildlife Federation for Free during application process.