Originally Posted by Doctor of Credit

You know that there are places you can do initial funding which are 10k in CC without a hard pull right and come with a bank bonus? FT gets a lot more traffic that I do.

This deal is pretty average due to the HP, even without the HP it'd only really be worth it if the CD terms were shorter or had better interest rates.

Edited to add: Looks like it's an Equifax pull and it's for membership rather than account opening which leads me to believe you can open multiple CDs without worrying about chex system inquiries or HPs.

CD rate is 0.10% for a 6 month term, 0.35% if you get the member advantage rate. You're basically going to be forgoing 0.9% interest for six months, so remember to take that into account in your calculations.