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Regarding banking, if I can get a 1.0% savings account, why would I put money in a 12 month CD that yields similar interest? What am I missing here? For that matter, what's the purpose of a lower-APR CD? That seems even crazier but I could be missing something.
Yeah, I understand the locked in APR. But Barclays online savings is 1.0% w/ no fee/no min. Ally is right behind that and so is AMEX for that matter. Weird. Maybe in a former time there was an advantage over savings accounts, but today I can't see locking up the money for the same APR.