Ii-CD zinemivuzo enomdla ngaphezu kwee-akhawunti zokulondoloza
Ukuhlaziywa kwekhadi lekhadi kuya kukunika iingcamango malunga nokuba ungayifaka phi imali. Ukuba uphatha kakuhle, ungadinga ukwenza uphando oluthile kwaye usebenzise izicwangciso zokutshala kwe-CD, kodwa ukwenza oku kufuna ukuba ukwazi amaziko aseburhulumenteni otyalo-mali .
Ukuze abatsha bafumane imali, cinga nge-CD njengengxelo egciniweyo yokugcina imali. Eyaziwa ngokuba njengezatifikethi zesebe, ii-CD zifuna ukuba ubeke eceleni iifizi zakho kwixesha elimisiweyo. Ingaba ziinyanga ezintandathu, unyaka okanye iinyanga ezili-18. Enyanisweni, ixesha elide lamanye ama-CD yiminyaka emihlanu. Ngeli xesha, kunjalo, uyavuma ukuba ungachukumisi imali yakho.
Oko kuthetha ukuba awukwazi ukuyihoxisa kuyo kuya kuthanda ukuba unakho nge-akhawunti yokulondoloza. Ukuba wenza, izigwebo ziya kuhlolwa. Nangona kunjalo, ukuba unesizathu esinamandla sokukholelwa ukuba unokwenza ngaphandle kwemali yakho ngexesha elithile, i-CD inokukunceda kwaye ikufumene inzala enkulu kunokuba i-akhawunti eninzi ingalondoloza.
IiCDs zaliphi na ubude bexesha eziqhelekileyo zingaphezulu kwama-0.50 ekhulwini APY kwiminyaka yamuva. Ngokude ixesha elide leCD, nangona kunjalo, izinga eliphezulu lenzalo. Ngezantsi kukho imizekelo yeziko lezemali ezibonelela ngexabiso le-CD inzala, inqabile ubude bexesha elide.
Iinyanga ezi-6 ze-CD IiRhafu zeNzala
- 0.55% APY - Barclays
- I-AP40 ye-0.40 ye-Capital One 360
Iinyanga ezili-12 ze-CD IiRhafu zeNzala
- 0.95% APY - i-Ally Bank
- 0.80% APY - Barclays
Iinyanga ezili-18 ze-CD IiRhafu zeNzala
- 1.17% APY - Everbank
- 1.15% APY - BBVA Compass
Ukuba kufakiwe kwi-CD interest rate cardcard, ibhanki kufuneka ibe yi-FDIC insured.
Iirhafu zemali ezicatshulwayo kufuneka zivumeleke ukuba zidibanise ubuncinane be-$ 1,000. Amaxabiso acatshulweyo ase-APY. Ukuba awuqinisekanga malunga nendlela APY isebenza ngayo , funda ukuqonda kakuhle le pesenti kunye nokuxhamla kwayo kwi CD yakho.
Ukufumana iiRhafu ezingcono zeCD
Qaphela ukuba unako ukufumana ixabiso le-CD enomdla xa ukhangeleka ngokwaneleyo. Iirhafu ze-CD ezithandwayo zingcono. Ngokufanayo, unokujonga ukuze ubone ukuba ngababhlogi bebhankini bodwa bathetha ntoni. Baye bathambekele ekufumaneni amaqhinga amakhulu, kwaye uya kufumana iirhafu ze-CD zenzalo ezivumelekileyo kuphela kwiibhondi ezincinci ezincinane. I-ConsumerSearch iphinda ibhale i-akhawunti yebhanki ngokuqulunqa ukuhlaziywa kwimithombo eyahlukeneyo.
Ukuba unemali engaphezulu kunokuba i-FDIC izakuqinisekisa, qwalasela ukusasaza loo mali phakathi kweebhanki ezahlukeneyo okanye usebenzisa inkonzo efana neCDARS. Funda ukuqonda kangangoko ukuba i-inshurensi ye-FDIC isebenza njani kunye ne- CDARS-Ukukhuselwa kwe-CD ngaphezu kwe-FDIC Imida .
Kwaye, khumbula, eli nqanaba lidibaniswe ukukwazisa amaxabiso okukhuphisana kwiimarike. Iirhafu zentshukumo ze-CD ezicatshulweyo zingashintsha ngexesha okwazi ukuvula i-akhawunti.