Five-year certificates of deposit (CDs) will most often be the longest term of a CD offered by the banks. The banks will offer the highest possible rates, but this will only be in return for a long-term commitment on the part of the customer. A 5-year CD is popular as it allows the depositors to lock in a large sum of money at a high interest rate for a long period of time. 5-year CDs are preferred by depositors looking to gain a high yield and take advantage of the high interest rates. The interest rates, however, are still making their way to a higher amount after their significant drop due to the recession. Following are some of the institutions offering the best 5-year CD rates.
CommunityWide Federal Credit Union
CommunityWide is one of the oldest credit unions, being established in 1967. The credit union held assets worth $410.9 million as of 31st December 2017. It has a large working team of around 77 full-time employees and hold leases and loans worth $362.6 million. They have 47,332 members that currently hold a massive $281.3 million in shares with the credit union. This credit union has had a good response from their customers and holds a good rating for the safety and soundness. A higher capital shows that the credit union can provide protection to their members in the unwarranted occurrence of a mishap. The institution has a high capital performance with a capitalization ratio of 24 percent.
Mountain America Credit Union
Mountain America is an NCUA-insured credit union that has its inception in 1936 and is currently headquartered in West Jordan, UT. This credit union has a substantial $7.09 billion in assets as of 31st December 2017. They have a commendable group of 1,686 employees that ensure the smooth functioning for this credit union. It is one of the credit unions with the best 5-year CD rates due to its commendable grip on loans and leases worth $6.13 billion. Even if this credit union is higher on assets and loan and leases amount, it ranks behind Communitywide due to its slight drop in the capital. Mountain America has a slightly below average capital score and has a capitalization ration of only 10 percent. It is, however, high on safety and soundness as it holds an amazing asset quality score.
Connexus Credit Union
Another NCUA-insured credit union, Connexus is based in Wausau, WI and was founded back in 1935. As of December 31st, 2017, the credit union had assets worth $1.69 billion. They are one of the top credit unions with the best 5-year CD rates and a strong team of 255 full-time employees. This credit union holds loans and leases worth $1.05 billion. Connexus currently has 305,795 members that account for $1.34 billion in shares. Similar to Mountain America, Connexus does not have a great capital score either. They have a score that allows them to be one of the best as they have an outstanding asset quality score. This commendable asset quality score allows them to be high on safety and soundness. The capitalization ratio is set at 12 percent, which is a lot better than most credit unions and complements the asset quality score well.
United States Senate
Founded in 1935, United States Senate is an NCUA-insured credit union based in Alexandria, VA. They have assets worth $673.8 million as of 31st December 2017. A strong workforce of 106 full-time employees allows them to have a tight grip on loans and leases worth $516.2 million. They come in as a credit union with one of the best 5-year CD rates with around 34,809 members who hold $589.1 million shares with them. Even with comparatively lower assets, they still hold a very high asset quality score that allows them to be a credit union with one of the best 5-year CD rates. The capitalization score of 14 percent is not very far behind either. A strong asset quality score and a good capitalization score allow them to be high on safety and soundness.
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Athletes need balanced diet and sportswear like New Balance shoes
Read moreAny sport requires you to embrace a balanced and nutritious diet, proper sportswear, and a healthy dose of mindfulness. With the right kind of food and good sportswear like New Balance shoes and similar brands, you can achieve your athletic goals easily.
Apart from the training you get and sportswear you put on for the game, it is important to keep a good mind and body balance with the help of a balanced diet. This is because nutrition is the other side of the coin when it comes to a fit body and a well-functioning mind. Read on to know more about a balanced diet that athletes must follow.
Carbohydrates
Yes, you heard us right. The glycogens that are released when the body absorbs carbohydrates ensures that the muscles have plenty of strength and stamina. This also helps in the constant replenishment of the body, failing which there may be adverse effects in the long run. Therefore, one is supposed to have plenty of carbohydrates so that one can get the right amount of calories while indulging in heavy duty physical exercise.Protein
While many people make the mistake of thinking that protein is required only to bulk up, there are many other benefits of having the right kind of protein. This food group is meant to be taken in a balanced way with carbohydrates, so that the body has plenty of energy and endurance. One can get protein from milk and whey as well as other dairy products and plenty of green and lean vegetables. Meat is also a popular source of protein, although this should not be taken in a large quantity. Casein and calcium are the two elements which are present in protein.Fats
While good fats like mono saturated fats are known to be good for the body, one should remember to avoid fats in general and have it in small doses, if at all. Unsaturated fats like avocados and oil which is not refined will also help in getting the right dose of fat without harming the body. Fat ends up turning into carbohydrates which is not good for the body. Fats and sugar end up giving the body a quick energy rush, but the energy falls just as quickly. Therefore, it is best to have more carbohydrates and proteins for a more constant level of energy. This guarantees better stamina and endurance.Fluids
Dehydration is a reality for many athletes. It is important to keep having fluids so that you can replenish the fluids lost on the field. This will ensure that your energy does not fall and you don’t fall sick.Other measures
Apart from the right kind of diet, it is important to wear the right kind of sportswear and shoes so that injuries may be prevented and comfort can be guaranteed. New Balance shoes, for instance, can be used so that your body gets the necessary push on the field. -
How to maintain a septic system
Read moreSeptic systems help dispose of household waste, treat the wastewater, and help prevent the contamination of surrounding land, groundwater and surface water. Proper maintenance of the septic system helps prevent these health hazards.
Understanding septic systems
Your septic system consists of many different parts that control the flow of wastes.Septic tanks
All the waste water from your house flows into the septic tank. Solids sink to the bottom where bacteria breaks them down and converts the solids into gases and sludge. Lighter substances float up to the surface, forming a layer of scum on top.The outlet
A T-shaped outlet regulates the outflow and prevents scum and sludge from flowing out of the tank.The drain field
This is the area where pumped out wastewater is safely disposed. A network of pipes is laid out on a section of land with gravel-filled trenches. The water flows through the pipes, through the gravel, and then enters the ground.How to go about maintenance
Proper septic system maintenance not only benefit individual households, but they prevent land and water contamination too.Inspection
You should preferably have a maintenance contract with a septic system maintenance provider. Every year, you should call a professional to inspect the tank, sludge and scum levels. If the bottom of the scum layer is within six inches of the T-shaped outlet, or if the top of the sludge layer is within 12 inches of this outlet, the inspector will alert you about the need to pump the tank.Besides this, if you notice any seepage, detect foul smells, have blocked drainages, hear gurgling sounds in the drain pipes and so on, call your septic system maintenance provider to carry out an inspection.
Pump the tank
Every three years, you need to pump the tank as this will keep the septic system in good working order.Good practices to help maintain the health of your septic system
All the wastewater you generate, from your bathroom, toilets, your kitchen, and every other area that has a drain outlet, flows into the septic tank. This tank has a limited capacity. To prevent overflows, control your water usage. A typical household of three is said to generate around 300 gallons of wastewater each day.- If you have an old flush system in your toilet, switch to a new system that uses lesser water.
- Use water regulators like faucet aerators and flow regulators in showers to restrict water usage.
- Use your washing machine only when you have enough clothes for a full load.
- Never flush down solids like diapers or napkins, cigarette butts, oils, paints, chemicals, egg or nut shells, etc. down the toilet.
- Restrict the usage of chemical drain cleaners.
- Don’t use your drain outlets to dispose of substances like solvents, paints, floor cleaners, etc. These can destroy the good bacteria that reside in the septic system and also contaminate the surface and groundwater.
- Do not cover your drain field with concrete or plastic. They restrict the flow of air and cut off the oxygen needed by the bacteria to break down waste. Grass is the ideal cover for a drain field.
- Divert water that flows from the roof, patios, paved walkways, etc. away from the drain field.
- Never use the drain field as a parking area for vehicles.
Adopting these good practices, scheduling periodic inspections, and pumping the septic tank can all work together to keep your septic system functioning well.