Bank CD Indexed to One-Year Treasury Yield

MoneyRates Blog

August 15, 2007
By MoneyRates team | Money-Rates Columnist

PFF Bank and Trust is offering a one year CD in which the rate is indexed to the 1-year Treasury yield + 15 basis points. This CD allows additions at anytime of $500 or more without extending the maturity term. The minimum deposit to open the CD is $1,000.00.

When factoring in the broker commissions paid on a 1-year Treasury Bill and the 15 basis points added on the CD, then the PFF bank and Trust Variable CD could earn between $200 and $300 more per year on a $100,000.00 than an investor would earn by purchasing the one year Treasury Bill.

Posted in 1-year Treasury Bill| PFF Bank and Trust| Variable Rate CDs| certificate of deposit

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About Richard Barrington

Richard Barrington, CFA, is the primary spokesperson and personal finance expert for MoneyRates. He is a 20-year veteran of the financial industry, including having served for over a dozen years as a member of the Executive Committee of Manning & Napier Advisors, Inc. Richard has written extensively on investment topics, including investments, money market accounts, Certificates of Deposit's and personal finance as it relates to retirement. Richard has been quoted by numerous media publications such as the New York Times, the Wall Street Journal, and Pensions & Investments magazine.

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