So to answer Loki's question about timing. I think that you could wait until 1/31 to call PenFed (even if you don't already have an account there!) and get your 6.25% CDs. The debit wouldn't post to your account until 2/1 or 2/2. The main limitation is the $10,000 limit that PenFed places on ACH transfers. This is not a limitation on ACH itself -- I noticed that Vanguard can take up to $100,000 by ACH.Good luck!-KenFThanks, Ken.I just mailed in a check (mostly 5-year, with a bit for 7 year) from accumulted money, and my maturing 1/29 CD plus some 1/15 TIPS money will be well less than $10,000, as will any money I may try to squeeze from 1/31 paycheck. I think I'll do one CD on 1/29, then try for another on 1/31. Of course, February rates may be posted by 1/29, and it the same, I'll just wait and not worry.
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