The information provided was general info applicable to the majority of banks and credit unions. You would need to contact the individual credit union or bank to verify whether they support POD or not. All the banks I’ve encountered supported it while a couple of the credit union’s I’m a member of did not.
It looks like the AgFed 18mo 3% (non-IRA) has reduced to 2.20%. The IRA version is still showing 3.00%.
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To bad… I got the e-mail from AgFed last week. 18-mo 3.0% until 9/3. From experience, you gotta move fast for these decent rates.
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Thanks Patty. I wasn’t aware they actually specified an expiry date. I guess I learnt from this experience. But at least next time, my membership is opened and ready.
GTE jumbo CD opened on Aug 15 (so, still in 30 days period). Today, I transferred the minimum balance, but the dividend shows 2.55%, not 3.30 %! I did a mistake and did not verify the dividend exactly before I did the transfer ( a few days ago, it was showing the right 3.20% dividend). I contacted the CS and they are looking into it! So, be careful and verify the APR rate before and after transfer!
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Looks like I got mine setup on the last day then before the rate drop. I’ll take luck when I can find it. I’ve had it happen the other way too. One of the cd’s was 3.6x% the day before and when the money was finally available they’d dropped rates to 3.51%.
You sure lucked out on this one. Good for you!
Maybe I still have a small consolation prize at AgFed. I took a chance and funded my membership with $1500 (the maximum allowed) drawn on the BofA Travel Reward card. That posted a cash reward of $39.38. And AgFed did open the 18mo 3% CD which I specified during the application. But it is only for $1000 (I could have requested $1495 but chose a nice round number), much smaller than what I intended to put in the CD.
they manually fixed it to 3.3%. so, everything looks good!
Update on my AgFed 18mo 3.0% CD – I spoke to a person in the CD department that I actually intended to open a larger CD but wasn’t able to because funding was limited to $1500 during the membership opening process.The person told me that they will honor the rate if I can send in the money.
So, I submitted a (free) wire from Fidelity to AgFed. The funds posted in about an hour on AgFed (in the savings account). I called the CD department and left them a message. Half an hour later, the funds were added to the CD. So I lucked out and it’s all good! Thanks to Patty for the heads up on this CD.
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With Monday holiday I’m still trying to get my funds into PSECU before Friday deadline 36-Mo CD 3.25%. Never know, maybe good next week, but not taking a chance. 
I’m sorry to hear that.
I applied on Tuesday and actually just had my PSECU membership approved this morning. I then had Fidelity wired the money in. Fidelity and PSECU both processed the wire very quickly. The account was funded within an hour.
Both Fidelity and PSECU did not charge for the wire.
The electronic transfers department at PSECU told me they process wires as they come in, M to F until 4pm ET. So if you are wiring the money, make sure to submit the wire well before this time.
I haven’t done a wire transfer in ages… I’m going to think about going this route in the future. Generally I have the money in Alliant CU & ACH transfers through them. Can only ACH transfer out a max of $25K per day.
Ken is featuring a 3.04% 18 month add on CD on his site this morning at Aventa Credit Union - $500 initial buy in. At first glance, this appears to be a Colorado only deal but upon looking further, anyone is able to join the credit union by first joining their charitable organization for $25 called AventaCares. Here are the pertinent links:
https://www.depositaccounts.com/banks/aventa-cu/offers/
https://www.aventa.com/Content/Uploads/aventa.com/files/AventaCares%20Membership%20Application.pdf
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Ally’s 12-month CD dropped to 2.35% APY. Also, there are drops in Ally’s No-Penalty CDs -
Less than $5,000 deposit is now 1.70% APY
Minimum deposit of $5,000 is now 1.95% APY
Minimum deposit of $25,000 is now 2.10% APY
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It was a purchase on my BofA VISA. But the limit is pretty small anyways. I think it is $100.
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If anyone else didn’t already know that PSECU’s external accounts are only to move money in…they are. (PSECU transfer out is limited to $1,500. No limit in.)
“Our External Account Transfer Service allows you to deposit money into PSECU shares and make payments to PSECU loans from other bank and credit union accounts.”
A wire is $10 so getting funds at CD maturity should be easy, but still never heard of that, has anyone come across that at any other banks, CUs?
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It looks like PSECU’s CD specials are holding for another week.
24mo @ 3.00% APY
36mo @ 3.25% APY
“These rates are valid from Monday, September 09, 2019 to Sunday, September 15, 2019. A minimum balance of $500 is required to open a certificate account.”
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Amazing stuff! Only comment I have is to mention as an alternative that NFCU, right now, continues to offer their five year CD at the same APY.
Does locking in a 3.25% APY for a longer interval of time offer better opportunity? Is it smarter to do so?
That is a matter of personal judgement. 
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Great news!!
I’m pretty much set with PSECU 36-mo 3.25% for now. Probably still time for new taker’s to take advantage of this deal… 
WARNING
Word on the street has it that NFCU will be ending their 5 year, 3.25% APY, gift horse CD this coming Friday.
Q: Shin, it that true?
I dunno. It’s just a rumor at this point and I have not called NFCU because I’m flat out of dough and not in the least impacted personally one way or the other.
But for anyone on the bubble and needing this CD, you might want to at least do some checking.
Pronto.
Three handle CDs are becoming scarcer and scarcer.
Bear in mind the Fed is expected to cut, once again, a week from tomorrow.
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