Re: NFCU amd ACH Transfer Questions

AndySoCal · ‎10-08-2026

The ACH transfer limit is where the transfer is initiated from. If you use Fidelity it is there ACH limit the governs the transfer. I would suggest short term brokered CD's or Us treasury bills. Brokered CD is paying higher rate than banks and credit unions at the moment

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Have1 · ‎10-09-2026

@AndySoCal wrote:
The ACH transfer limit is where the transfer is initiated from. If you use Fidelity it is there ACH limit the governs the transfer. I would suggest short term brokered CD's or Us treasury bills. Brokered CD is paying higher rate than banks and credit unions at the moment

Update: When I got up this morning the transfer is showing as complete with all money available.

Andy, thank you for reminding me about brokered CDs. I had noticed them and looked at some a while ago but it totally slipped my mind that they would be a good tool for my situation. I was fixated on the CDs offered by NFCU and my local bank which are not paying much. Which is why I decided to move it to my Fidelity Cash account (SPAXX).

I looked on Fidelity and there are a couple CDs that will mature in February at 4.20% that would fit my need. I looked at Treasury new issues but the only one that beats 4.20% matures in April which is just a little too late. Hopefully, my roofer will be back at it before April.

Unless someone has a better idea I think I will set up the CD buy over the weekend.

TrapLine · ‎10-09-2026

@Have1 wrote:
@TrapLine wrote:
@Have1

At Navy I found that they would print checks with only my name. Did get them to order with the address. Ordered them June 2026.
Who is the vendor? I haven't had an occasion to write a check on my NFCU account but I would like some more checks with just my name for my local bank before I run out in the next few months. Thank you.

Nevermind. I see it's Harland. I'll poke around there. Thanks again.

Oops ... missed your question and was going to respond, Harland Clarke but you found it.

ptatohed · ‎10-12-2026

Can you just find a HYCA, keep your money there, and write checks to the contractor as the work goes on?

primis. redneck bank.

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Have1 · ‎10-12-2026

@ptatohed wrote:
Can you just find a HYCA, keep your money there, and write checks to the contractor as the work goes on?

primis. redneck bank.

The contractor is not going to be able to start work until, probably, March. So I am parking the money at 4.2% in the CDs and I will just write him checks out of my Fidelity cash account when the time comes.

Though, I wouldn't mind an actual excuse to set up an account at Redneck Bank but that's only because I would love to have that debit card.

NFCU amd ACH Transfer Questions

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