I agree with glitch99, the comments and the article didn’t add anything useful to the subject. Don’t exceed the insurance thresholds is essentially the only useful thing people must know.
Social media can be a great tool, but also can be extremely harmful because it tends to propagate overwrought emotional sentiment from posters who don’t know any better. I believe it has contributed to the panic people are feeling and has made the overall situation much worse.
Don’t stop posting shinobi. I enjoy reading them.
Absolutely! If my “post to clunker” ratio were even half as good as @shinbone’s, I’d be a crowing rooster instead of a, well, you know. 
No worries, mate! 
But I cannot post when I have nothing to offer. And right now it’s pretty bleak out there. 
I hope pattyb53 will post if she discovers she has any add-on CDs. Right now they are our only hope.
I just talked to Freedom CU. Bad news. My 2 CD’s 3.5% are not add-on’s.
The rep said I have their Promo CD’s. She did say most of their CD’s are add-on’s, like you said. She offered 1.5% now. 
Bad luck, pattyb53. Very sorry to hear it.
I have only just one CD there which is not a promo CD. It has only a small balance, but it pays 3.25% APY and lasts until early 2024. Sure hope it still is alive and available when I need it.
Funny, that stupid CD was one of those “insurance” CD purchases back a while ago. I never dreamed when I bought it that I really would need it. I totally did not see coming what has happened. It only cost me $500, which right now looks like money well spent . . . . and of course I eventually, at maturity, will get that $500 back.
Sure wish I had that “stupid one” you bought for $500… Could we work out a trade? 
I like your sense of humor, pattyb53.
Posted as information only:
MSD FCU (Merck) is waiving penalties for early certificate redemptions.
Comment:
I surely hope this is becoming a trend. Already posted same good news over on the NFCU thread.
If you know of other financial institutions offering to waive their EWP (early withdrawal penalty), kindly post. Thank you.
The previously mentioned Hanscom comes to mind. I know, memory is the first thing to go.
Posted as information only:
Dover FCU has just announced waiver of their EWP (early withdrawal penalty) for their CDs.
Not sure if anyone was able to get in at MACU and snag some of their add on CD’s prior to the recent rate cuts. I have 4 of them in varying terms with the best being the 60 month 2.5% opened with $5 that is really going to come in handy in the near future. Wasn’t too many months ago we were looking at something like that as an insurance policy only because we’d never actually put money in at 2.5%. LOL! How times have changed!! MACU is still offering add on CD’s however now the 60 month is only at 1.35%, however having a lock in at 1.35% for 5 years may not be a bad insurance policy with rates headed to near zero or even negative if you don’t have other add on CD’s. Initial buy in is only $5 and then requires $10 or more to be added each month.
Live & Learn !! I’m to old to still be learning. 
Woe is Me!
I have CD’s maturing & little & few places to put these $$.
The maximum you can put in those 4 CDs is $100,000 or is it $100,000 per CD?
100k total
I dont post often but since my MS biz is at a standstill for the foreseeable future plus the past 2 weeks…And I refuse to go to Walmart for money orders and GoBank loads…Plus no grocery store mo now…dont want to burden clerks ntr touch credit pads
unnessasarily Just food…Some great bonuses for opening some savings acct. If you are liquid open these accts. CIBC bank…1.45% plus 400.00 cash bonus with 50k for 3 months i think…comes out to 4%…Ally bank 250 bonus with a 25k deposit and 1.50% for 4 months and CIT 400 bonus at 1.70 for 4 months. Best deals w/o long term tie up.I am stuck with 10k in gift cards I can not liquidate till this crisis is over.
I opened a Bank 5 Connect 24-month 1.9% investor CD two weeks ago, the Sunday the Fed dropped rates. ACH funding got messed up, but when I called they gave instructions on where to mail a check. They received the check last week, cashed it, approved my application, and opened my accounts, to the extend I was able to register for online access and see the accounts and details.
The next day, both the checking account and CD were closed. I got the check for my balances today. No reason given.
WTF?
As of today, NFCU’s 17mo add-on CD is history.
Possibly a delayed ChexSystems problem? That’s sometimes what it is when no reason is given.
You asked. They refused to tell you why. Strange.
If a consumer reporting agency was part of their decision, I believe they need to disclose the report that was used. And even so, the CD was opened, and thus binding, the day prior.
My guess is they bounced it because I got the 1.9% rate, right before they dropped it. But even that seems to be a drastic reaction. Complaints have been submitted, so maybe we’ll see in a bit.