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9-month, 1.76% CD at Miami Postal Service Credit Union

Miami Postal Service Credit Union has a very competitive rate on a short-term CD: a 9-month certificate yielding 1.76% APY. This CD has a very reasonable minimum of $5000, although if that minimum is too high for you, the same term is being offered with a still-competitive 1.51% APY with a $1000 minimum. Miami Postal Service CU’s IRA savings account is also extremely competitive, with a 2.01% APY. On that IRA savings account, the website specifically states that dividends are paid quarterly, and accounts closed before the end of the quarter will not receive any dividends. So if you open that IRA account, pay close attention to when you close it.

Miami Postal Service Credit Union has three branches, all in Florida: 6171 NW 183rd St. in Hialeah, 2190 NW 72 Ave. in Miami, and 12685 S. Dixie Highway in Pinecrest. Miami Postal Service CU is open to anyone within a 15-mile radius of any of those three branches—a map is available here.

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