Navy Credit Union - 3% CD 20 months- IRA max 18k

posted: Dec. 25, 2011 @ 12:30p Good for seniors living off a fixed income. Membership is restricted; ask a family member who is a Navy FCU member to invite you. This offer is effective December 19, 2011. The 20-Month Special Certificate has a maximum balance limit of $18,000. Only one 20-Month Special Certificate per member is allowed. You may make additional deposits to the certificates at any time. At maturity, the certificate will automatically renew to a $1,000, 24-Month certificate at the prevailing rate. Federally insured by NCUA. Navy FCU Membership Eligibility Checklist Navy Federal's field of membership is determined by the National Credit Union Administration. If you fall under any of these categories, you're eligible to join: All Department of Defense (DoD) uniformed personnel?Army, Marine Corps, Navy and Air Force retirees and annuitants All Department of Defense Reservists?Army, Marine Corps, Navy and Air Force retirees and annuitants All Army and Air National Guard Personnel?civilian employees, retirees and annuitants All Delayed Enlistment Program (DEP) Personnel All DoD Officer Candidate programs?Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs* U.S. government employees assigned to DoD installations (including Coast Guard) All DoD civilian employees?including retirees and annuitants DoD contractors assigned to U.S. Government installations Family Members?including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members Once your family members have joined, they can extend the membership opportunity to their family members, too. Still not sure if you are eligible? Use our Membership Eligibility Wizard or call us at 1-888-842-6328, then press *31.

updated: Dec. 25, 2011 @ 1:41p by johnnybs posted: Dec. 25, 2011 @ 12:31p Member Summary *APY=Annual Percentage Yield. Navy Federal reserves the right to end or modify these offers at any time. Offering rates may change. Penalty for early withdrawal on term share accounts. (1) This offer is effective March 28, 2011. $3,000 maximum balance. Only one Special EasyStart Certificate per member is allowed. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay (minimum $300 per direct deposit), a Navy Federal checking account, and a monthly automatic transfer of at least $15 into your Special EasyStart Certificate within 90 days of the certificate issue date. If these requirements are not met, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the standard EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew to a $100 minimum, standard EasyStart Certificate at the prevailing dividend rate unless member specifies otherwise. (2) This offer is effective December 19, 2011. The 20-Month Special Certificate has a maximum balance limit of $18,000. Only one 20-Month Special Certificate per member is allowed. You may make additional deposits to the certificates at any time. At maturity, the certificate will automatically renew to a $1,000, 24-Month certificate at the prevailing rate. Federally insured by NCUA.

posted: Dec. 25, 2011 @ 1:47p mwa423 said: ??I'm kicking myself right now for not having taken the easy in to Navy FCU about a year ago. Though, does anybody know what qualifies as "DoD contractors assigned to U.S. Government installations"? I have some family who are contractors at some firms that do a lot of work for an air force base and wonder if they could get me in...post_quote> Family members include parents and siblings ONLY. Aunts, Uncles and cousins don't qualify you

updated: Dec. 25, 2011 @ 2:21p posted: Dec. 25, 2011 @ 2:19p kaveh2k said: ??mwa423 said: ??I'm kicking myself right now for not having taken the easy in to Navy FCU about a year ago. Though, does anybody know what qualifies as "DoD contractors assigned to U.S. Government installations"? I have some family who are contractors at some firms that do a lot of work for an air force base and wonder if they could get me in...post_quote> Family members include parents and siblings ONLY. Aunts, Uncles and cousins don't qualify youpost_quote> What if: Cousin qualifies -> Grandma opens a CD -> Suddenly all grandchildren are eligible? I could see it being advantageous for an entire family to have grandparents keep a stable of credit union accounts.... Using grandparents' for fun and profit?

posted: Dec. 25, 2011 @ 2:24p BigManonCampus said: ??kaveh2k said: ??mwa423 said: ??I'm kicking myself right now for not having taken the easy in to Navy FCU about a year ago. Though, does anybody know what qualifies as "DoD contractors assigned to U.S. Government installations"? I have some family who are contractors at some firms that do a lot of work for an air force base and wonder if they could get me in...post_quote> Family members include parents and siblings ONLY. Aunts, Uncles and cousins don't qualify youpost_quote> What if: Cousin qualifies -> Grandma opens a CD -> Suddenly all grandchildren are eligible? I could see it being advantageous for an entire family to have grandparents keep a stable of credit union accounts.... Using grandparents' for fun and profit?post_quote> You pretty much nailed my thought process using this condition above "Family Members?including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members". I'm also curious who is a "household member". If I have a military roommate is he a household member?

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