Very inciteful info shinobi. Yes those add-on CD’s were a pretty good investment. I have 2.
I think we also did ok with the Interior FCU. My check is in the mail for that one.
As for the election coming up, I’m all in for Trump. Send him a few $'s every so often. I can’t even imagine any of those 20+ candidates taking care of our government… 
pattyb53, lets leave politics out of the forum please so we can all get along. Everyone is entitled to their personal beliefs.
Gotcha !!
I may be wrong, but I think there’s a pretty good chance that we won’t be seeing rates close to 3% in a year… or for awhile. I also don’t see the election affecting future rates much (maybe even the inverse of your expectations, based on history). Also, remember that the current White House occupant has repeatedly attacked the Fed for raising rates.
gremin007, I’m in at Hanscom!
It took a good week+, for me to finally get the welcome e-mail this pm. I must admit that they check you out to the fullest before they make that final decision to let you in. Another thing, getting in to online banking was almost as bad as the original application. 
Me too. Go trump. Wife and 2 sons also. BTW…CIT bank is still 2.40.Was 2.50. And if you need funds fast… Open HSBC checking for big bonus and HSBC Direct Savings at 2.3.% You can xfer $ from savings to checking in a snap and write a check. No online high yield acct without strings gives you check writing privileges.
Your message is misleading. ANY online bank that allows checking and savings would accomplish the same thing…for example Ally but all would still be limited by the fact you can only have 6 transactions a month with the savings account.
shinobi, you were the one that led us onto Interior FCU before it was offered at Ken’s site. I really appreciate the heads up a couple days early.
So I’m set now with 2 fairly decent CD’s that will tide me over until early & mid 2021. My check arrived by snail mail today to open the Interior FCU 24-mo 3.14%, & Hanscom FCU 19-mo 3%.
Makes me feel good. (not much loot left now) 
Thanks for the kind words. Am always happy to be of service.
Northern Bank Direct 2.5% offers check writing and free checks…
yes but do these banks pay out at 2.3 or 2.4% interest? With no strings or hoops to jump through?
well I just learned something. Northern Direct seems good to me. Did not see the part about free checks though, but probably missed it.
Yes barry they do. In fact Ally also offers no penalty cd’s at a higher rate that can be liquidated at any time with no penalty which carries it one step farther. It also only takes seconds to cash it in and have the funds in the checking. Ally also provides free unlimited checks.
Redneck bank (or All America Bank) pays 2.4% and have a checking account option. Of course, you could “jump through hoops” and make 10 debit card purchases to get 3% in the checking account as well, but otherwise it’s just a regular ol’ checking account with a 2.4% savings account.
You did much better than me. My money arrived this morning at Interior via ACH and I immediately set about the task of opening my CD online.
The account opened all right, but it is showing the wrong interest rate!! I re-checked their rate chart online and also telephoned the CU. Both data sources continue to show the 3.14% APY.
I have no clue what is happening and cannot contact the right people there until commencement of regular business hours.
Annoying? You bet. Anyone opening a CD at Interior had better double check to be certain your new CD is indicating it’s paying the interest rate you anticipated receiving when you signed up.
ETA
I have more on this situation. Still have not talked with them but finally did receive the email they said would arrive quickly (it did not).
Apparently their account opening process is not fully automated. They are telling me a human being must review my application. I suspect at that point the interest rate might be corrected, but that’s a guess. Whenever human beings must become involved any process is muddied. And who knows when they will get to my application, assuming that is what it will take to update the interest rate.
Not smooth, Interior. Not at all smooth.
Your note made me check back to see if my Interior FCU CD showed the correct rate. It did & it shows 3.1%, I guess it will actually end up 3.14% when it pays off.
I remember back when you said, sometimes you like to send a check by mail. I decided to go that route because at Alliant CU we can only ACH transfer $25k per day. I wrote a detailed note with the check telling them exactly what I wanted them to do.
I’m sorry that you are having these problems. Somedays, it doesn’t pay to get up. 
thanks for the info famewolf…Appreciated.
The other aspect you got right, where I could be in trouble (uncertain at this time), is your maturity. You did good, pattyb53, netting for yourself a Thursday maturity. Smart. You will have adequate opportunity to avoid weekend tie up of your funds.
My own maturday day is Friday. If I can get the funds same-day transferred to savings I will be OK. If not . . . . . . . uh-oh!
I went back into their website but there is no means provided to make maturity arrangements online. Will have to discuss with a rep. Hoping for the best.
Barrytuneup,
Do you know if Northern Direct’s 2.5% rate is guaranteed for a year?
Heard back from Interior after numerous attempts to reach them. Finally broke through using their secure email, which elicited a quick reply.
Anyway, the interest rate will adjust tonight and I will be able to see the correct rate tomorrow . . . . so they say. Hope this works out.