# Local credit union offering 5 year CD at a 3.00% rate **URL:** \ **Category:** Investing\ **Created:** [June 19, 2022, 10:48pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782 "2022-06-19T22:48:23Z")\ **Posts on this page:** 11\ **Page:** 2
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 4, 2022, 9:15pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/25 "2022-07-04T21:15:49Z")
Oh gosh, those are new to me. I’ll look at them. I’m sure they’re trying to copy what Invesco did. Same idea… have the entire bond ETF portfolio mature around the same time. ---
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [July 9, 2022, 4:25am UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/26 "2022-07-09T04:25:04Z")
> [@yankee466](#): > > You do know that Social Security is an annuity? Die early and the government keeps the money just like you said.🕶 Actually, Social Security is a ponzi scheme… ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 9, 2022, 5:00pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/27 "2022-07-09T17:00:59Z")
> [@butler](#): > > Actually, Social Security is a ponzi scheme… You’re entirely welcome to not claim your Social Security benefits and not make the Ponzi crime worse ---
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [July 10, 2022, 2:42am UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/28 "2022-07-10T02:42:33Z")
> [@ochotona](#): > > > [@butler](#): > > > > Actually, Social Security is a ponzi scheme… > > You’re entirely welcome to not claim your Social Security benefits and not make the Ponzi crime worse Glad to…just give me my contributions back. I wont even ask for interest. ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 10, 2022, 3:16am UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/29 "2022-07-10T03:16:48Z")
Take the benefits until you reach the payback point then stop. No one is stopping you. Put your money where your mouth is ---
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [July 10, 2022, 4:26am UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/30 "2022-07-10T04:26:29Z")
> [@ochotona](#): > > Take the benefits until you reach the payback point then stop. No one is stopping you. Put your money where your mouth is I can’t draw benefits for another 20 years. Give me the money now and you got a deal. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [July 17, 2022, 8:40pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/31 "2022-07-17T20:40:00Z")
> [@butler](#): > > I can’t draw benefits for another 20 years. Give me the money now and you got a deal. Relax!.. our SS system is the ultimate “too big to fail” scheme… you can be assured that the ones who follow you will suffer more than you have… 🙂 ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 28, 2022, 3:35pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/32 "2022-07-28T15:35:04Z")
Hi everyone, I think end-2022 to early-2023 is the time to lock in rates by buying CDs or bonds to hold to maturity. Rates will top out and fall into 2023-2024, that is the market view now. ![Capture](https://us1.discourse-cdn.com/flex016/uploads/clark/original/1X/17566f03a3c071efb8ff6167d82a8b58ec508092.png) ---
**Author:** ![AustinBonds](https://avatars.discourse-cdn.com/v4/letter/a/6bbea6/32.png) [@AustinBonds](https://community.clark.com/u/AustinBonds)\ **Post date:** [July 28, 2022, 3:43pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/33 "2022-07-28T15:43:02Z")
I am seeing that with the rates getting priced lower since last week. I guess that is why Mr. market is up today July 28 2022. It likes the low interest adrenalin. ---
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [July 28, 2022, 4:30pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/34 "2022-07-28T16:30:43Z")
That sounds about right @ochotona based on what is being priced into the market. ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [July 28, 2022, 4:49pm UTC](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782/35 "2022-07-28T16:49:15Z")
Adrenalin or Crack Cocaine! [Previous page](https://community.clark.com/t/local-credit-union-offering-5-year-cd-at-a-3-00-rate/782.md?page=1)