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	<title>Comments on: CD 4 in our emergency fund CD ladder &#8211; max rate at the local credit union</title>
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	<link>http://geographic-independence.com/cd-4-in-our-emergency-fund-cd-ladder-max-rate-at-the-local-credit-union/</link>
	<description>The driver behind our financial goals</description>
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		<title>By: Jumbo CD Rates</title>
		<link>http://geographic-independence.com/cd-4-in-our-emergency-fund-cd-ladder-max-rate-at-the-local-credit-union/#comment-381</link>
		<dc:creator>Jumbo CD Rates</dc:creator>
		<pubDate>Thu, 12 Feb 2009 04:10:13 +0000</pubDate>
		<guid isPermaLink="false">http://geographic-independence.com/?p=420#comment-381</guid>
		<description>Great idea on checking out your credit union.  In a falling rate environment, credit unions will often have higher rates then banks because they tend to react more slowly to changing rate conditions.  This also means when rates turn around, banks will often increase faster.

Another interesting feature of many credit unions is they often pay dividends at the end of the year.  This can significantly increase your total rate of return.</description>
		<content:encoded><![CDATA[<p>Great idea on checking out your credit union.  In a falling rate environment, credit unions will often have higher rates then banks because they tend to react more slowly to changing rate conditions.  This also means when rates turn around, banks will often increase faster.</p>
<p>Another interesting feature of many credit unions is they often pay dividends at the end of the year.  This can significantly increase your total rate of return.</p>
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