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Forum
-> Household Management
-> Finances
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amother
OP
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 Thu, Jan 26 2023, 12:39 pm
What are the best NYC bank CD rates, with no penalty for early withdrawal, for both brick and mortar banks and online?
tia
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jd1212
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Thu, Jan 26 2023, 12:40 pm
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Google it- they change every day
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amother
OP
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Thu, Jan 26 2023, 1:04 pm
Im asking because someone may have just researched rates. They dont change that often.
Flushing is offering 4.25% for a 1 year CD.
Are any banks around NYC offering that kind of rate for a "no penalty for early withdrawal" CD?
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amother
Cantaloupe
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Thu, Jan 26 2023, 2:04 pm
Online savings accounts give you a high rate with no lockup - you can withdraw at any time. They can afford to do that because they don’t have physical branches with all the expenses that come with it.
I’m getting 4.05% at CIT bank’s savings account right now. They are FDIC insured.
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doctorima
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Thu, Jan 26 2023, 2:06 pm
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I don't know about CD's, but you can find money markets paying around that rate with better liquidity, and also rates that rise as the Fed lifts interest rates further.
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