Best CD Rates?

[Anonymous]

What have you found recently? T-bill rates are dropping so I am looking at alternatives. I see Marcus has a 12 month CD at 4.1%. Anyone see something better?

[Anonymous]

I've got my "cash" in VMFXX in a brokerage account at Vanguard. 4.18%

[Anonymous]

Anonymous wrote:I've got my "cash" in VMFXX in a brokerage account at Vanguard. 4.18%

OP here. I’m looking too lock in a rate since it appears that rates may be coming down.

[Anonymous]

This one is 15 months at 4.25

https://www.synchrony.com/banking/products/cd

Looks like if you want to beat that you go with even more "no names" than this one.

https://www.investopedia.com/best-1-year-cd-rates-4796650

[Anonymous]

Anonymous wrote:

Anonymous wrote:I've got my "cash" in VMFXX in a brokerage account at Vanguard. 4.18%

OP here. I’m looking too lock in a rate since it appears that rates may be coming down.

Ya, not responsive to your post, but I'm moving some to US REITs which I expect will do well when rates go down and they are relatively low risk.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I've got my "cash" in VMFXX in a brokerage account at Vanguard. 4.18%

OP here. I’m looking too lock in a rate since it appears that rates may be coming down.

Ya, not responsive to your post, but I'm moving some to US REITs which I expect will do well when rates go down and they are relatively low risk.

I’ve owned REITs for years, they are definitely not low risk. Those dividends are not guaranteed.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I've got my "cash" in VMFXX in a brokerage account at Vanguard. 4.18%

OP here. I’m looking too lock in a rate since it appears that rates may be coming down.

Ya, not responsive to your post, but I'm moving some to US REITs which I expect will do well when rates go down and they are relatively low risk.

I’ve owned REITs for years, they are definitely not low risk. Those dividends are not guaranteed.

Yeah pretty wild to compare an FDIC-insured, fixed rate investment to an equity investment in broad-based real estate.

[Anonymous]

NASA FCU 9 months, 4.15%

[Anonymous]

Bask Bank 6 mo 4.25, 12 mo 4.1

[Anonymous]

Anonymous wrote:This one is 15 months at 4.25

https://www.synchrony.com/banking/products/cd

Looks like if you want to beat that you go with even more "no names" than this one.

https://www.investopedia.com/best-1-year-cd-rates-4796650

NP. That is a good find, thanks

[Anonymous]

You could also look at MYGAs— think the bogleheads keep a running list of those

[Anonymous]

Nfcu 4.35 10 months special