I keep reading this as “I’m not on board with small charity” and for a split second I’m like what?*

Posted by PapaDels on October 10, 2025, 8:50:20, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY I have schweppervessence and wessonality.

I'm assuming you've got a business account. Those always pay worse interest$

Posted by illinibone on October 9, 2025, 23:21:25, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY Script Kiddie

Those rates look bad. Pretty sure they are lower than tbills o bought today *

Posted by FidelGoodell on October 9, 2025, 20:16:15, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY

XRP*

Posted by gvibes on October 9, 2025, 19:08:20, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY

NVIDIA*

Posted by Stu on October 9, 2025, 18:42:27, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY

Make your life easy

Posted by jfinsocal on October 9, 2025, 18:12:33, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Go with your bank. Unless you are investing big bucks 25 basis points for example isn't much extra money. Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY

CapitalOne has 4.00% for 12 months and a bit higher than you show for longer terms.

Posted by EffinIllini on October 9, 2025, 16:43:46, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY

Those look ballpark fine.

Posted by ghost_of_clt on October 9, 2025, 15:13:10, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

How much time do you want to spend transferring money and setting up new accounts and getting the other board members with financial/signing authority to sign to get an extra $50/year? Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY N U D E S I N B I O

You may be able to get .25% better online at a "bank". Those are pretty decent in the market

Posted by illini222 on October 9, 2025, 14:27:59, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Not to turn this into the policial thread but CD rates will go down fairly quickly the more rate cuts there are and the market is taking that into consideraton thus the better rates for shorter terms. Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY Drink Everytime Brad Underwood says "Elite" in a press conference.

I haven't bought a CD in a while, but I would've expected the rate to be higher with a longer term *

Posted by jjlocke923 on October 9, 2025, 14:24:41, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY Proud Winner of the 2024 Deuce ROY Award

nerdwallet and bankrate are where I look. There's probably better places

Posted by ATL on October 9, 2025, 14:24:11, in reply to "I'm on the board for a small charity, we're looking to invest using a CD"

but I'm lazy Edit: also, I'm getting better rates than all of those via the fidelity cash management account (not FDIC backed) but even my ally bank savings account (FDIC backed) is giving me 3.4% apy. Edit 2: my Apple Pay Cash (FDIC backed) is giving me 3.65% apy. Previous Message Anybody have any helpful information or place to do research? Here are the rates we got quoted by our bank. I imagine there has to be better options out there. New Funds 5 months at 4.05% APY 7 months at 3.75% APY 11 months at 3.50% APY 17 months at 3.30% APY 23 months at 3.25% APY 26 months at 3.25% APY 33 months at 3.25% APY Existing Funds 8 months at 3.50% APY 10 months at 3.55% APY 14 months at 3.40% APY 28 months at 2.90% APY “We are old and tired and just want to be taken care of.” - Republican voter, Dec. 2024.