Re: 有没有人用 state farm ?好像cd利息比较高. - 未名空间MITBBS历史存档

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Re: 有没有人用 state farm ?好像cd利息比较高.

Re: 有没有人用 state farm ?好像cd利息比较高.# Money - 海外理财

b*b2004-08-19 07:08

1 楼

MBNA and many other banks are higher than that. Capital One is the highest for
fix-term CDs. But besides interest rate, another important thing to consider
is the early withdrawal penalty. Some charges you half of total interest, and
some just charge you 6 months, and MBNA may make you to lose your principals
if you withdraw early. So that's important to know.
By the way, there are many other types of fixed income and CDs other than
fixed term, for example, callable CDs, brokage CDs and zero cou

b*b2004-08-19 07:08

2 楼

state farm: 5 years 4.16% 4.25%
MBNA: 5 years 4.50% 4.60%
if you want lower opening balance, then choose ING, it's $1. the penalty is
very bad though.

consider
principals

b*b2004-08-19 07:08

3 楼

well, you certainly can google them to find more information. briefly,
brokeage CDs is when you buy a bank CDs (FDIC-insured) from a broker.
Generally, the rate is better than if you buy from the bank directly (because
of the competition).
callable CDs give higher interest because bank has the right to terminate them
when interest goes down (not very likely though).
zero coupons let you get face value after a certain number of years, similiar
to EE bonds.
I didn't tell you that the best interest