Edward Jones paid $75 million to settle the issue. However, customer complaints frequently center on difficulties accessing funds and receiving company support. Overall, earnings estimates have also come down substantially for the full year 2023, from about 10% last June, to under 2.0% today1. Figure 1. 0000028159 00000 n This page was last edited on 24 September 2022, at 14:11 tea school report card 2022. It ranges from 0.5% to 1.35% the higher the asset value, the . 0000027453 00000 n Other than perhaps the 10 year CD currently offered through Edward Jones, higher yields can be found directly through online banks and credit unions. Please note that not all of the investments and services mentioned are available in every state. <]>> 0000010111 00000 n We would recommend using periods of volatility to diversify or rebalance portfolios as needed, and ultimately add quality investments at better prices with an eye towards staying invested to meet or exceed long-term financial goals. Read our full review below. provides distribution and shareholder accounting services for the Fund. Real-time last sale data for U.S. stock quotes reflect trades reported through Nasdaq only. For general details about the money market fund options available at Edward Jones and to obtain a copy of the prospectuses, see details and prospectuses,see Money Market Funds. The mild economic downturn in 2001 was largely driven by weakness in business spending. Retirement Share class - $3 each month the balance is below $1,500 Investment Share class - $3 each month the balance is below $2,500. While these factors may be slow to unwind, we would expect over time that the labor market would start to normalize and would likely not maintain the current pace of gains, especially as the Federal Reserve continues to push interest rates higher and pressure on corporate margins increases. Total Deposits: $105,000.00 Total Interest Earned: $64,492.86 Future Value of MMA: $169,492.86 Breakdown Total Deposits 62% Interest 38% Explaining Money Market Accounts Money market accounts (MMAs) are a form of savings deposit account offered by credit unions and banks. Rather, this is Edward Jones perspective on market and economic topics, designed to help you make decisions affecting your long-term financial strategy. 0000027044 00000 n document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Im a licensed financial professional focusing on annuities and insurance for more than a decade. read more Edward Jones Discussion Diversification does not guarantee a profit or protect against loss in declining markets. (Secured Overnight Financing Rate +0.040%), 3/1/2022 - 3/7/20221 97,000,000 97,000,000 Federal Farm Credit System Floating Rate Notes, 0.095% Charles Schwab offers financial consultants, too, but with Schwab, you can choose to invest on your own if you like. All rights reserved. 0 This site is designed for U.S. residents only. Many people have and will turn to U-haul to store possessions and to rent vehicles when moving into a new home. trailer In particular, services inflation driven by a strong labor market and higher wage gains continues to exceed expectations and keep inflation elevated. The Edward Jones Investment Policy Committee offers its viewpoints on the U.S. economy, stocks, the bond market, international markets and asset classes, as well as a special topic of interest to investors each quarter. The S&P 500 earnings forecast for 2023 continues to move lower. Please refer to the fund's prospectus for further information. %%EOF The rate of 0.85% is 0.36% lower than the average 1.21%. This guide will compare the Edward Jones interest rates to CD rates from the USAs top banks. 0000028534 00000 n Advising fees are as follows. Compare revenue, industry and employee numbers for Charles Schwab and Edward Jones. Equities rise as rally in yields pauses - Stocks added to yesterday's gains, as pressures from higher bond yields and a higher dollar eased to end the week. A benefit of Edward Jones brokered CDs is that they dont have early withdrawal penalties. It was founded in 1922 and has its headquarters in Saint Louis, Missouri. Edward Jones Money Market Fund;Investment Watch list Last Updated: Feb 24, 2023 $ 1.00 0.00 0.00% Previous Close $1.00 Advanced Charting Partner Center Your Watchlists Customize MarketWatch. Edward Jones offers fiduciary services, but you shouldn't assume that your service has a fiduciary obligation unless the plan explicitly says so. This applies to both in person visits and their website(s). Open an account Overview Premium Savings Account Bank Yields Max-Rate Checking Additional Services Bank Rates Sheet 1. This account is insured up to $1.5 million leveraging multiple banks $250,000 FDIC deposit insurance using the Bank Sweep Program.. Edward Jones is a full service brokerage account with no minimum deposit requirements for account opening. Compare CD Rates From 423 Banks And Credit Unions Find the highest interest rates for your savings ranging from 3 months to 5 years. About Us. They will provide you with a prospectus to look over and discuss your options with you before you make any decisions. Mobile check deposit is another feature included on the Edward Jones native apps for both Google Play and App Store, where they score an impressive 4.7 and a 4.6 out of 5, respectively. This chart shows the average hourly earnings growth trending lower in recent months, but still remains well above pre-pandemic levels. Stay up to date on your investments with the latest stock market news. While goods inflation and even housing and rental inflation have shown signs of cooling, we would likely need to see wage inflation move lower for core inflation to trend more meaningfully towards 2.0% to 3.0% this year. Bank anytime anywhere Imagine a bank that never closes. Daily Weekly Daily Weekly At Edward Jones, commission fees are a flat rate of 2% for most securities, excluding mutual funds, plus processing charges. This is for informational purposes only and should not be interpreted as specific investment advice. %%EOF This chart shows that the inflation rate and the Fed Funds rate have started to converge as inflation eases and the Fed Funds rate increases. 0000028659 00000 n Annual wage gains remain elevated around 4.4%. Tram Tour Rates: Adults (13-61) for $25 & Seniors (62+) for $19 & Children (3-12) for $12. For further information regarding the Edward Jones Money Market Fund, please refer to . The Best Money Market Accounts First Internet Bank of Indiana Money Market Account 4.25/5 Annual Percentage Yield (APY) 3.35% or 4.65% (vary by daily balance) Minimum Deposit Amount $100 Fees. Systematic investing does not guarantee a profit or protect against loss. Interview potential advisors, learn about their investment philosophy, and ask how they get paid. 0000003877 00000 n 226 0 obj <> endobj Edward Jones owns the investment adviser to the Edward Jones Money Market Fund and . Santander Bank CD Rates Now up to 4.00% APY! Your financial advisor can go through the details about how to strategize saving and investing with this account, but you have a lot of options and flexibility overall with a product like this. 26 0 obj <> endobj Charges a monthly fee. Aggregate Bond ETF. The Annuity Expert is not associated with a bank or credit union. Edward Jones is a US based financial services company that provides investment products and services to 7 million investors with 10,000 offices and 12,000 advisors in the United States and Canada as at 2012. 0000002391 00000 n crAC[*9g9r;jOEl[L-Ve6B[60t,jUko]n61,[&Z&>=[ Are Edward Jones Money Market Accounts Fdic-insured. 0000015782 00000 n A money market account is insured by the FDIC for up to $250,000 per account holder. No APY minimum balance. hb```f``rb`230 P9.0as}y-llr|iz,WYXXYY&ajg*njlll MemberSIPC. A few crucial distinctions must be made between standard CDs and Edward Joness brokered CDs. Brokered CDs with Edward Jones do not automatically renew. LendingClub High Yield Savings Now 2.75% APY! 11 12 Methodology Edward Jones allows you to make quick and easy deposits into your account(s) and transfer funds electronically. Your returns will vary based on the investment mix in your portfolio, along with market conditions, fees, and time in the market. Despite markets moving higher last week, the S&P 500 year-to-date returns have gone from 9.0% earlier in the year, to around 4.5% now, about a 5% correction from recent highs. Schwab also offers more than 4,000 no-load funds and 2,000 commission-free ETFs. As soon as your initial deposit clears, you are free to buy a new CD or a secondary CD through your Edward Jones broker. Bonds represented by the iShares Core U.S. For example, if you open a 5 year deposit and need the funds after year 2, during which time interest rates have risen considerably, you may have a tough time selling your deposit for your full purchase price. Total commission may vary for trades executed over multiple days and is added to a $4.95 transaction fee per trade. Full-Service Investor Satisfaction Study, Understanding the Key Pitfalls Investors Make, and How to Avoid Them. Edward Jones Money Market Fund is only available as a cash sweep option in certain accounts. This guide will compare the Edward Jones interest rates to CD rates from the USA's top banks. Rates and Fees We work to keep our service fees low and our yields competitive. Find the highest interest rates for your savings ranging from 3 months to 5 years. Copyright 2023 Edward Jones. 0000028305 00000 n Required fields are marked *. 3. This site is designed for U.S. residents only. The "reverse churning" case was initially dismissed, but that decision was reversed on appeal. Our editorial staff will confirm the product, rate and APY (annual percentage yield) with the institution and publish it immediately for our viewers. Figure 2. Statement of additional information (PDF). While we cant control the market, we can control our reactions to it. To open a brokered CD with Edward Jones, youll first need to set up a brokerage account with them if you dont have one already. Annual Fee ($40) With VTSMX, the only fee you'll pay is the very low expense ratio on the fund itself. The highest percentage is a one-year certificate, which has a 4.7% interest rate. The services offered within this site are available exclusively through our U.S. financial advisors. Most trades also incur a. /.hW[&y $6$-7Cqfe%!s8"C_D]:^ T.+l5JrKMw)00et00p40e4 H*utBT&@%X#1[+@py}PJTBDrPPGULYAUMjC .]5B[0d]%4lJg"{q;,c`HgBx30m,.fN L@Y~(r8e A?jg`X ` B"8 Instead, they broker or re-sell a range of deposits from other banking institutions. Edward Jones Stock and ETF Commissions 1. Edward Jones Money Market Fund - Investment Shares (CUSIP 48019P102) 03-02-2023 3 Six-Month History of Rule 2a-7 Liquidity (cont.) 0000002459 00000 n Weekly Stock List Stocks fell sharply in 3Q 2022, with the S&P 500 down more than 5. 0000027340 00000 n Other than the current trend of rising yields, brokered CDs have some additional noteworthy features. Read our, How to Choose the Best Type of Investment Advisor. 3. This latest bout of volatility in markets has been driven by a few factors, including stronger than expected labor and inflation data, as well as a re-pricing of expectations for additional Federal Reserve rate increases, which have put pressure on both stock and bond markets. How Much Should I Have in Retirement at 40. For one, you can exit these CDs at any time by selling them through a secondary market which Edward Jones offers. The terms of your personal CD will tell you how often the interest on your account is credited and where. And Edward Jones says that this annual fee does include internal investment expenses. The company uses mutual funds and a basic model of building diversified portfolios for clients who are saving for retirement and other long-term goals. 51 0 obj <>stream 0000010198 00000 n You will be charged a $3 monthly maintenance fee for retirement share class money market funds with balances below $1,500 and a $3 monthly maintenance fee for investment share class money market funds with balances below $2,500. Are we the right fit for you? 0 Edward Jones is a full-service firm founded in 1922. Currently the dividend is listed at $4. Again, all your IRAs are combined for . Edward Jones doesn't invest client assets in only no-load funds, which may be better for investors than load funds that have sales charges. It has more than 19,000 financial advisors and other employees in more than 15,000 branches across North America. However, additional fees, such as minimum balance fees, may apply. 0000027839 00000 n 0000003061 00000 n My agent is responsive. Most offices are modest in size. Full-Service Investor Satisfaction Study. "18-714 - Anderson et al v. Edward D. Jones & Co., L.P. et al. Are money market accounts covered by FDIC insurance? Copyright 2023 Edward Jones. Minimum commission is $50. 0000015938 00000 n 0000012798 00000 n This account offers an annual percentage yield of up to 1.54%, which is much higher than the national average for a money market account. Market indexes are unmanaged and cannot be invested into directly and are not meant to depict an actual investment. 0000011638 00000 n Meanwhile, in the bond space, short term and long-term government bond yields have moved notably higher in recent weeks, with the 2-year Treasury yield approaching decade highs1. 0000005910 00000 n Source: Factset 03/03/2023. 0000005392 00000 n The following banks and credit unions have the highest CD rates for 60 months. Edward Jones does not charge commissions or fees on the purchase or sale of money market mutual funds. to an annual rate of 0.72% of the average daily net assets of the Fund's Investment . Summary prospectus (PDF)Prospectus (PDF)Statement of additional information (PDF), Investment shares (PDF)Retirement shares (PDF), Annual Report (PDF)Semi-Annual Report (PDF), January 2023 (PDF)December 2022 (PDF)November 2022 (PDF)October 2022 (PDF)September 2022 (PDF)August 2022 (PDF)Link to N-MFP: sec.gov. Contact us today for a quote, and we would be happy to help! The Fund seeks stability of principal and current income consistent with stability of principal. 0000008493 00000 n After a strong start to the year, market volatility in both stocks and bonds seems to have returned. 0000001753 00000 n In 2004, the firm faced allegations that it hadn't disclosed conflicts of interest. 0000027646 00000 n The prospectus contains this and other information. <<263F0EF7D75E6A4BB77FEC032E37372A>]/Prev 24798/XRefStm 1006>> Please note that not all of the investments and services mentioned are available in every state. As the FED continues to raise rates in 2023, we expect Edward Joness brokered CD rates to remain competitive. Edward Jones' mutual fund offerings will include higher expense ratios, but that's the least of our concerns. Is a Roth IRA FDIC insured? When evaluating offers viewed on APYGUY.com, please read the financial institutions Terms and Conditions. Nonetheless, we would expect the Fed to pause rate hikes by mid-2023, especially given that interest rate increases have a lag impact on the real economy and consumption. CEO approval 87 % approve of Walt Bettinger's performance 84 % approve of Penny Pennington's performance Salary satisfaction 64 % The Fund invests primarily in a portfolio of short-term U.S. Treasury and government agency securities. All of the interest rates for Edward Jones certificates of deposit are more than 4%, except for the five-year certificate, which is 3.8%. We aim to help you find the highest interest rates for your retirement savings. Find a Financial Advisor to an annual rate of 0.72% of the average daily net assets of the Fund's Investment It scales down from there, reaching a rate of 0.50% for assets valued over $10m. Edward Jones focuses on consulting with its investment clients, offering personalized advice, but this approach comes with a cost, in the form of higher fees. Your email address will not be published. In this case, we would also expect a pause in hikes to support market sentiment, particularly if inflation is also moving notably lower. 0000016603 00000 n She meets with us as often as we want and explains the market and best investment strategies in detail. My former role was training financial advisors, including for a Fortune Global 500 insurance company. !z?FmPeBHFfl(8|Y6#uJ{4(8Hy2S* :*L*e;@Q8|3;pv@'DRswf2Lz@BN"cU'D3U,+:T[k`^8&apGTL!w*vH\vQd*"bs1 Edward Jones' U.S. financial advisors may only conduct business with residents of the states for which they are properly registered. All the GICs we offer have terms under five years which are insured up to $100,000 by the Canada Deposit Insurance Corporation (CDIC). He is a professor of economics and has raised more than $4.5 billion in investment capital. Find the highest interest rates for your savings ranging from 3 months to 10 years, all in one place. Synchrony High Yield Savings Account Now 2.45% APY! You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. "2022 U.S. Second, you can spread your funds into multiple banks with Edward Jones as your broker. The following resources also contain information related to the Edward Jones money market funds: For future updates and changes or for a full listing of the fees and payments Edward Jones receives in connection with individual mutual funds, equity transactions, fixed income transaction and insurance and annuities please visit this website at regular intervals. In addition to its extensive suite of investment products and brokered CDs, this firm also offers money market funds and a cash management account. Tight financial conditions curbed corporate investment, and the drop in the stock market weighed on capital-market activity. Missing the best days in markets can substantially impact portfolio returns. 0000001349 00000 n Source: S&P 500, past performance is not a guarantee of future returns. This account charges a monthly service fee of up to $10 . ", Edward Jones. 0000006985 00000 n Edward Jones' U.S. financial advisors may only conduct business with residents of the states for which they are properly registered. Edward Jones attempts to be the "advisor next door." 0000000016 00000 n Figure 4. 0000018636 00000 n The most important of these being that you do not open or manage brokered CDs yourself. CD Rates Forecast 2022 Will Rates Go Up in October and November? Edward Jones points out that the average investment portfolio would have gained 8.8% over the last 30 years, and it projects a balanced portfolio will see between 4.5% and 6.5% growth when taking historical averages and market conditions into account. Take a look, and discover the benefits of banking with us. While this has been a meaningful downward revision, we believe earning forecasts for this year may continue to fall, perhaps slightly into negative territory, especially if an economic slowdown materializes in the back half of this year. Edward Jones money market funds are available as investment shares and retirement shares both of these taxable options. 0000002607 00000 n Most investors have been best served with time in the market (rather than trying to time themselves in and out of markets). After a strong start to the year, market volatility in both stocks and bonds seems to have returned. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. Please refer to the fund's prospectus for further information. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. Citizens Access Online Savings Account 2.35% APY! Something went wrong while loading Watchlist. Edward Jones Money Market Fund - Investment Shares (JNSXX) Stock Price, News, Quote & History - Yahoo Finance U.S. markets close in 5 hours 23 minutes S&P 500 3,958.13 -12.02(-.30%) Dow 30. The Weekly Market Update is published every Friday, after market close. xref 0000005330 00000 n Fitness Bank Savings Review Now up to 3.60% APY! 4uHZW9:]4{a%9%N--..'WE.]EKU -<3-::"@#Y )C*X7P_ 0000018288 00000 n Edward Jones provides financial advice and planning services through its network of branches across the United States and Canada. The Quarterly Market Outlook offers our perspective on recent activity in the capital markets. ) Money market funds are simply liquid mutual funds with good cash access. MemberSIPC. The 10-year government of Canada bond yield is near 3.4%, while the 10-year U.S. Treasury rate has held below 4% this week, remaining below its October peak when it topped 4.2%, consistent with our view that longer-term rates likely peaked last year and the 10-year yield will move around in the 3%-4% range in 2023. We independently research, test, review, and recommend the best Edward Jones Money Market Fund - Retirement Shares (CUSIP 48019P201) 03-02-2023 3 Six-Month History of Rule 2a-7 Liquidity (cont.) The TruPartner Credit Union Money Market account may be the perfect way to get a higher return on your money than a savings account without locking your money up in a Share Certificate. Past performance does not guarantee future results. 0000029128 00000 n Edward Jones provides money-saving products, including competitive CD rates, money market accounts, and savings accounts. My $4,000 has $4,000 worth of buying power. Power. Were committed to keeping you in the know about the latest market and economic developments. Investors should consider their willingness to keep investing when share prices are declining. 199 0 obj <> endobj Edward Jones money market funds are available as investment shares and retirement shares - both of these taxable options. Earnings revisions bottoming: We are now over 95% through fourth quarter S&P 500 earnings, which have been mixed at best, with earnings growth for the quarter tracking to about -4.6% year-over-year. Pros: Personal attention. Sedgwick is a leading global provider of technology-enabled risk . A!3@ The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Baxter Credit Union CD Rates Up to 3.50% APY! lido beach water quality today lester stillwell. Table of Contents. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Franlin Dynatech Fund CL R6 (MM) (FDTRX) stock price, charts, trades & the US's most popular discussion forums. Still, you can write checks on a money market account, and some accounts offer debit cards. The rate is applicable for the 1 year CD product with a minimum $1,000 deposit. The 73 money market fund families (down from 75 in August 2022) tracked by the M* team had $4. Talk with your advisor about cash and cash equivalents available for you to invest in with your money market fundthis will vary. productslearn more about Build protection into your financial strategy and help preserve your lifestyle and emotional well-being. Transactions and withdrawals are unlimited, unlike money market accounts. Also it is 1.75 % lower than the highest rate 2.60 Updated Mar, 2022. on Edward Jones's secure website. A fee is charged when you invest with Edward Jones and the amount depends on the type of financial product you purchase. Figure 3. And its TrustScore is slightly more optimistic with a 3.5 out of 5-star rating based on four reviews. That means it does estate planning, financial planning, retirement planning, 529 plans, life insurance, long-term care planning, and annuities. Edward Jones is a more than satisfactory brokerage firm and its brokered certificates of deposit are offering some fairly competitive yields on short-term and mid-range CDs. Nonetheless, markets tend to be forward looking and will likely start to look through this trough period and toward a recovery ahead. In 2018, four customers sued Edward Jones in a federal court. In our view, some of the structural issues that were created during the pandemic period, including higher household savings rates, workers leaving the labor force, and pent-up demand for services, have contributed to the tight labor market and record-low unemployment rates. This site is designed for U.S. residents only. Are Edward Jones brokered deposits worth considering? BS?G1`bYhP1l4@d[`qui=Y. As you read through each topic, you'll find specific actions you can discuss with your financial advisor. However, we would expect the earnings bottoming process to be a necessary condition for a more sustainable market recovery ahead. 0000000816 00000 n 0000028772 00000 n We highlight three potential conditions that we believe would support better market returns longer term, including: 1) inflation moving lower, 2) the Federal Reserve pausing its rate-hiking cycle, and 3) earnings revisions bottoming. %PDF-1.4 % JPlce`6M5&*68]v:54=oiF 2\`> 7 -&u7 | Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. 240 0 obj <>stream ", Edward Jones. 0000001999 00000 n Because money market funds are mutual funds with cash access, they do not guarantee that you will receive a full return on your principal. Les schwab is very fast paced. hbbd``b` @ H$ @HD Opening up an Edward Jones brokerage account can be done online, however purchasing an Edward Jones brokered CD can not. The following banks and credit unions have the highest CD rates for 36 months. Finally, it is important remember that staying invested, even through periods of market volatility or economic uncertainty, has historically benefited investors. Investors should understand the risks involved in owning investments, including interest rate risk, credit risk and market risk. 0000002322 00000 n People often make these mistakes when emotions interfere with their investment strategies. % APY* No minimum balance START SAVING NOW Checks and withdrawals Write checks and withdraw your money online, by phone or via ATM. . "Understanding How We Are Compensated. 7 Steps for Finding the Best Financial Advisor, Your Guide to Understanding the Basics of Mutual Fund Fees, Basics on Mutual Fund Fees, Loads, and Expenses, Learn Which Mutual Fund Share Class Is Best, Edward Jones to Pay $75 Million to Settle Revenue Sharing Charges, Edward Jones Sued for Shuttling Customers to Fee Accounts, 18-714 - Anderson et al v. Edward D. Jones & Co., L.P. et al, 2022 U.S. Edward Jones Reviews. On top of that, the cash in a money market fund may be used to invest in CDs or other short-term investments, but deposits into these funds are not FDIC insured. Please note that not all of the investments and services mentioned are available in every state. It holds a 1.62 out of 5-star rating with the BBB based on 21 reviews as of February 2022. hb``c``ig `T, !W\.XP0oG-O . One of the first questions you should ask a potential advisor is how they get paid. Am I obligated to pay? The following banks and credit unions have the highest CD rates for 48 months. These aren't short-term predictions. Edward Jones CD Rates Now Up to 5.00% APY! The Fed moving to the sidelines: Given ongoing inflationary pressures, market expectations for Fed rate hikes have notably increased since the start of the year. The Fund seeks stability of principal and current income consistent with stability of principal. Power 2019 surveyand is known for being a largely reliable and professional company. In this report, you will find performance . FDIC-insured We're a member of the FDIC and our accounts are FDIC insured. 0000006250 00000 n By Insurance Site November 3, 2022. We'll touch on that later. 0000027149 00000 n Privacy Policy. With guided and advisory services, Edward Jones profits from a 1.35% program fee on total assets in addition to other fees and costs. 0000009998 00000 n The product is bank/thift issued and is FDIC insured. "Financial Advisor Fees & Account Types. . %PDF-1.3 % All rights reserved. Edward Jones points out that the average investment portfolio would have gained 8.8% over the last 30 years, and it projects a balanced portfolio will see between 4.5% and 6.5% growth when taking historical averages and market conditions into account. Edward Jones makes money through a variety of fees on its plans and services. Edward Jones Money Market Fund Portfolio as of October 31, 2022 Current Net Assets - $ 29,566,282,509 Weighted Average Maturity: 22 days Weighted Average Life: 105 days Credit Rating: AAAm STANDARD & POOR'S Principal Amount Final Maturity 75,000,000 11/03/22 Now he wants his money back. EJ is available to investors of any net worth. 0000013958 00000 n The following banks and credit unions have the highest CD rates for six months. Copyright 2023 Edward Jones. Table Of Contents Compare Edward Jones CD Rates With Other Banks Popular CD Rates Today Next Steps Edward Jones (EJ) is a full-service investment brokerage firm. Any financial products or services represented or discussed on this website are without warranty. Bank of America CD Rates Now up to 3.90% APY! The first page of the rate PDF only includes FDIC-insured options.