ʻO CDARS kahi mea lawelawe no ka 'OihanaʻIke kope o ke KeʻenaʻIkepiliʻIke. ʻO CDARS kahi polokalamu e hiki ai iāʻoe ke hoʻolaha i kāu kālā ma nā kālepa likeʻole, e noho mau ma lalo o FDIC palena palena waiwai ma kekahi kāleka i hāʻawiʻia. ʻO CDARS kahi ala e hiki ai i kekahi mea'ē aʻe ke mālama i ka hopena o nā hāʻule pūnaewele iāʻoe.
Nā Palena FDIC
ʻO ka'onike FDIC he polokalamu kākoʻo aupuni i mālama i kāu mauʻaukā pū . Eia naʻe, he palena palena palena kālena he $ 250,000 no ka mea waihona.
No ka hapanui o nā kānaka, he nui kēia, akā, makemake kekahi poʻe a me nā hui e mālama i nā $ 250,000 ma ke kāleka.
Inā loaʻa iāʻoe ma mua o ka palena palena palena,ʻo kāu mau kohoʻelua:
- E lawe i ka pilikia e pau ana kāu kāleka me ka manaolana iʻole e nalowale kāu waihoʻana
- E kau i kāu kālā ma waena o nā'ake FDIC-insured e noho ai ma lalo o ka palena ma kēlā me kēia hale
ʻO ka koho mua loa iʻoi aku ka pilikia no ka hapanui o nā kānaka, aʻo ka lua o ka koho he hiki ke paʻakikī a hoʻolāʻihi i ka manawa.
Hoʻokaʻawaleʻo CDARS iāʻoe e hoʻolaha i kāu kālā ma nā keʻena likeʻole me ka hanaʻole i nā hana a pau. Hoʻoliloʻia ke kālā i nā palapala hōʻoia o ka waihona (CD) mai ka mahina hoʻokahi a hiki i nā makahikiʻelima.
E hoʻohana i ka CDARS
Nā kāʻei komo: e hoʻohana i CDARS, ponoʻoe e hoʻomaka me kahi pēlā e komo i ka papahana CDARS. He nui nā'aupili kekahi hapa o ka pūnaewele, a ua hiki paha iāʻoe ke pili aku me kekahi o kēia mau moku.
Kāleka waihona kālā: e waiho i kahi kiko'ī i loko o ka papahana CDARS ma kāu kāleka. Ponoʻoe e hoʻohana i kahi Palapala HoʻohuiʻIke kūpono e pili ana i ka CDARS. E hoʻokaʻawale kāu waihona i nā kālā i waena o nāʻaina'ē aʻe o ka hui, e mālama ana i nā kālā ma kēlā me kēia halehana ma lalo o ka palena palenaʻo FDIC.
E kālepa i kāu kālā: CDes nā CDARS e hāʻawi nei ka papahana i kahi'ōlelo.
Ma mua o ka mālamaʻana i nā helu he nui i nāʻaukā hōʻemi (me nā loiloi lōʻihi a me nā hapa makahiki), e loaʻa iāʻoe nā mea a pau ma kahi'ōlelo i hoʻohuiʻia.
Ehia na kumukuai? Ma keʻano he mea hoʻohana,ʻaʻoleʻoe e uku pololei i nā lawelawe CDARS. ʻO kāu panakō e komo, pēlāʻoe e uku ai i nā uku i koiʻia e kāu kāleka. ʻO ka hope, ke uku neiʻoe no ka lawelaweʻana ma keʻano o ka helu CD ( ka APY ) i emi iho ma mua o ka hiki iāʻoe ke loaʻa inā e kūʻaiʻoe i nā mea no nā uku kiʻekiʻe loa. ʻO kāu mea e hoʻihoʻi mai ai he ala maʻalahi ia e mālama pono ai i kāu kālā.
Ua palekana CDARS? He lawelawe kūponoʻo CDARS i mālamaʻia ma hope mai o ka makahiki 2003. Ua palekana kāu kālā e like me ia i loko o kekahi keʻena FDIC-i hoʻopaʻaʻia - no ka mea, ke noho nei ke kālā ma nāʻaha (ʻaʻole e lawe kālā ke CDARS). Ua hoʻokumu 'ia ka CDARS e nā mea hoʻokele waiwai kahiko a ke holo nei ma Promontory Interfinancial Network, LLC.
Nā Loena'ē aʻe
Ināʻaʻoleʻoe makemake e hoʻohana i ka CDARS no nā kumu kūpono, hiki iāʻoe ke hoʻolaha i kāu kālā ma nā kālepa FDIC-insured pono'ī ma kāu iho. ʻEluaʻaoʻao e huki ai i kēia:
- E wehe i kēlā me kēia kālā: e hele i kēlā me kēia panakō (aiʻole nā pūnaewele pūnaewele) a wehe i kahi pūnaewele. Ponoʻoe e mālama i kāu mau waiwai ma kēlā me kēia halehana ma lalo o $ 250,000 i nā manawa a pau - no laila,ʻaʻoleʻoe e waiho i ka $ 250,000 no ka meaʻo ka huina kālā āu e loaʻa ai e paʻi ana i kāu helu ma luna o ka palena.
- Nā CD i kāwiliʻia:ʻO kahi koho'ē aʻe e hoʻohana i nā CD i kāpaeʻia i loko o kahi helu hoʻokahi. Hiki iāʻoe ke pale i nā pilikia hou inā heleʻoe i kēia ala, akā hiki iāʻoe ke mālama i nā mea a pau ma kahi'ōlelo hoʻokahi (e like me kāu i hiki ai me CDARS).
Ināʻoe e hana i nā mea a pau nou, e hōʻoia i nāʻauwai āu e hana nei me FDIC insured. E hoʻopaʻa i kēlā me kēia keʻena ma FDIC.gov. Hiki iāʻoe ke loaʻa ka palekana i kākoʻoʻia e ke aupuni i nā uniona kālepa. ʻO ka inikua NCUSIF, kahi i kūlike me kaʻinikua FDIC, ke mālamaʻia e ka National Credit Union Association. No ka hōʻoia o ka keʻena, e kipa i ka helu NCUA.gov.