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CD預金について
- #1
-
- minami77
- 2008/10/22 01:09
CD預金についてきなってることがあったので、
書き込んでみました。
バンカメでCD預金をしてるんですが、
CD預金は預金保険法の対象にならないと聞きました。
もし銀行が破綻した場合全額返ってこないんですか??
それとも1部だけなんでしょうか。
この前ワコビアがウェルズファーゴと合併したときは
どうだったのか気になったので、書き込みました。
分かる方教えてください☆
- #2
-
それはどなたから聞いた情報ですか?
行員に直接CDは預金保護法の対象にならないという事でしょうか?私も知りたいと思います。
10月2日に預金保護法が変りました。
全ての預金(CDS含む)に対して10万ドル→25万ドルまで保証するとの事。
欧米の銀行では「50ドルルール」というものもあります。50ドル以上のATMカードの不正損失は全て守られるです。
- #3
-
$100KまではFDICの補償対象ですよ。
聴いた事ないですか?
しかしこれには利子コミの金額なわけで。
したがって仮に3年固定で年利5%ってすると
万が一の場合を考えたら$86,072以上預金しない方がいいかも。
制度がかわってFDICの補償上限が10月1日から$250Kまでになったけど、じつは期限があって2009年の12月31日で無効となりもとの$100Kに戻る。
なんか騙されてる?
- #4
-
FDIC 加入の銀行であっても FDICの カバーしない CD商品を出しているとこもあるので 気をつけることですね。 たいがいは 金利は普通のCDよりいいです。 銀行に 尋ねて見るのが 一番かとおもいます。
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