I was wrong again. Darn it.
No fewer than three different posters over at Ken’s place had good luck today with this Freedom Northwest CD!!
I was thinking small CU in two small Idaho towns . . . no way!
Well, way. Go for it if you have money. I don’t have that, either. 
How they are managing to pay such a high rate of interest is completely beyond me. Things must REALLY be popping in small town Idaho. Still, with the coronavirus and all going on, I’m mystified.
Get your CDs locked in now! A surprise half point rate cut by the Fed is going to kill most of the top rates, potentially by the end of the day today.
This is not a good thing. Trump’s jawboning worked . . . unfortunately.
Even with the 1/2 point, the Dow, Nasdaq and S&P still finished the day deeply in the red.
Those who already have locked in long term, higher interest rate, CDs are wearing watermelon smiles at this point.
How’s about that swell Andrews 3.05% deal!!
I really hate this. But since I crowed and preened and carried on when things were great, I gotta swallow my medicine now that everything has gone sour.
And boy has my Bellco Index Advantage CD ever gone sour . . . . gone south would be more like it. That half point cut comes right off my APY starting April first. And only God knows how much lower the Fed will take things. There is a rate floor built into the CD down somewhere . . . not certain where. Suspect I’ll be finding out soon.
Bought this CD for better or worse, and it was better for a long time. Not now. Thinking of paying the penalty and cashing out. You buy an index CD and this is the sort of scenario you can anticipate. No more preening. 
FYI, just got off the phone with a rep at Freedom Northwest Credit Union after opening a 5 year CD at 3.20%. The rate is tentatively set to expire on Friday 3/6, probably by 10:00am. The CD was relatively easy to set up via a phone call & after signing a document via DocuSign, emailing my driver’s license, and moving my money. If you’re interested in this deal, I suggest you jump on it quickly.
The new CD rate sheet from Freedom Northwest has just been made available:
New, latest, Freedom Northwest rate sheet dated 3/5
As you can see, their four year CD remains very competitive despite everything the Fed is doing to us.
But no 60 mo CD available now!!
I won’t have any funds until the end of the month. Probably be a further downward slope then. 
I’m stuck until April when the next funds are available and by then the rates are gonna be crap. grrr Well I did do one thing right and moved a good chunk of money from my IRA to my Roth IRA. After the recent stock market hit it’s a smart move because when/if the market recovers (since some predict an additional 40% drop at some point) all that money will be tax free vs tax deferred. Just annoyed m1finance and apex clearing took 2 days each to get the thing completed and the market already came back a little from when I had to liquidate funds in one account to transfer to another so it could buy the same funds again.
You can at least snag an add on cd now. Rates are crap but likely will be much worse by April.
Not at this time. However:
If you consider the best competing five and seven year CDs are today running around 3%, and if you’re willing to accept a slightly lower interest rate on a 48 month CD, then their four year rate of 2.85% APY is very attractive. Or so it seems to me, anyway.
In particular given everything that’s happening out there today, I would not turn my nose up on a four year CD at 2.85% . . . . . if I had money, of course. I do not . . . not without paying EW penalties.
I probably should be paying those penalties and reinvesting my money right now to lock up the best rates I can for a good long while into the future. Dunno why I’m sitting on my hands. Must be inertia caused by age. 
Good idea…I’ve done enough holding out hoping a “special” would come along. Can someone mention any od the add-ons that are still available?
I opened a few add on CD’s from MACU the day after the fed half percent cut occurred but looks like they’ve now dropped all of theirs by 0.5. Sorry should have looked first before I said anything. Their rates weren’t anything amazing before the rate cut but I like theirs because the buy in is only 5 bucks. It’s like cheap insurance that you hopefully never have to use.
Ken has just gone up with a supplementary post regarding Freedom Northwest and their new CD interest rate chart (see my post up thread). Ken points especially to their excellent four year CD (see my earlier post). Here is a link to Ken’s updated blog post:
The TFCU deal is, of course, long gone.
But the Andrews 3.05% APY seven year CD deal lives on!!
Does locking in 3+% with a portion of your nest egg look better with each passing day? You betcha!!
Bird in the hand . . . . . 
Add on CDs- Blue FCU upthread, navy federal 2.25% 75k 17 month
Bank5 connect 24 month 1.9% investor CD
Bad/haven’t checked in/maybe not offered:
GTE? -capped 6k/year
Mountain America CU
All DCU CDs 12 months or less
Thanks folks for the addon info. I’ll get busy with a few of them. So sad to see 1.85 considered a good rate and soon that will be 1.25% with the fed drop.
Update - for now, Freedom Northwest Credit Union is no longer offering CDs.
i know that the thread is for Cd, but this Money Market is acting as a add on 13 months CD
2.05% APY - for 13 months
Access your cash once per quarter with NO Penalty ($15 fee for extra)
Opening Deposit of $5,000 (New Money)
MAX-Yield Money Market Account - New Money Only - 2.05% good for 13 month from opening
Sun east CFU - easy membership ($10).
https://www.suneast.org/rates/savings-and-certificate-rates/
*Annual Percentage Yield (APY) as of 2/1/20. Valid on new money only. Early withdrawal, account closure, and/or failure to maintain minimum deposit could result in decreased earnings. After the initial 13 month promotional term, the MAX-Yield MMA and corresponding promotional APY, will then revert to a Classic MMA with the corresponding account terms and then-current APY; currently .10% as of 2/1/20. Minimum deposit to open MAX-Yield MMA and earn dividends is $5,000 and maximum is $250,000; during any month in which the average daily balance falls below $5,000, a monthly maintenance fee of $10 will be applied. New money only; not applicable on existing Sun East Funds or Sun East transferred funds.
**One penalty-free withdrawal per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec). Each withdrawal in excess of one per calendar quarter is $15 each. Limited time offer; rates/yields subject to change without notice; other conditions/restrictions may apply.