SearchExclusive.com

Credit unions that have the best 5-year CD rates in the market

Five-year certificates of deposit (CDs) will most often be the longest term of a CD offered by the banks. The banks will offer the highest possible rates, but this will only be in return for a long-term commitment on the part of the customer. A 5-year CD is popular as it allows the depositors to lock in a large sum of money at a high interest rate for a long period of time. 5-year CDs are preferred by depositors looking to gain a high yield and take advantage of the high interest rates. The interest rates, however, are still making their way to a higher amount after their significant drop due to the recession. Following are some of the institutions offering the best 5-year CD rates.

CommunityWide Federal Credit Union
CommunityWide is one of the oldest credit unions, being established in 1967. The credit union held assets worth $410.9 million as of 31 ^st December 2017. It has a large working team of around 77 full-time employees and hold leases and loans worth $362.6 million. They have 47,332 members that currently hold a massive $281.3 million in shares with the credit union. This credit union has had a good response from their customers and holds a good rating for the safety and soundness. A higher capital shows that the credit union can provide protection to their members in the unwarranted occurrence of a mishap. The institution has a high capital performance with a capitalization ratio of 24 percent.

Mountain America Credit Union
Mountain America is an NCUA-insured credit union that has its inception in 1936 and is currently headquartered in West Jordan, UT. This credit union has a substantial $7.09 billion in assets as of 31 ^st December 2017. They have a commendable group of 1,686 employees that ensure the smooth functioning for this credit union. It is one of the credit unions with the best 5-year CD rates due to its commendable grip on loans and leases worth $6.13 billion. Even if this credit union is higher on assets and loan and leases amount, it ranks behind Communitywide due to its slight drop in the capital. Mountain America has a slightly below average capital score and has a capitalization ration of only 10 percent. It is, however, high on safety and soundness as it holds an amazing asset quality score.

Connexus Credit Union
Another NCUA-insured credit union, Connexus is based in Wausau, WI and was founded back in 1935. As of December 31 ^st, 2017, the credit union had assets worth $1.69 billion. They are one of the top credit unions with the best 5-year CD rates and a strong team of 255 full-time employees. This credit union holds loans and leases worth $1.05 billion. Connexus currently has 305,795 members that account for $1.34 billion in shares. Similar to Mountain America, Connexus does not have a great capital score either. They have a score that allows them to be one of the best as they have an outstanding asset quality score. This commendable asset quality score allows them to be high on safety and soundness. The capitalization ratio is set at 12 percent, which is a lot better than most credit unions and complements the asset quality score well.

United States Senate
Founded in 1935, United States Senate is an NCUA-insured credit union based in Alexandria, VA. They have assets worth $673.8 million as of 31 ^st December 2017. A strong workforce of 106 full-time employees allows them to have a tight grip on loans and leases worth $516.2 million. They come in as a credit union with one of the best 5-year CD rates with around 34,809 members who hold $589.1 million shares with them. Even with comparatively lower assets, they still hold a very high asset quality score that allows them to be a credit union with one of the best 5-year CD rates. The capitalization score of 14 percent is not very far behind either. A strong asset quality score and a good capitalization score allow them to be high on safety and soundness.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.