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# ![@KenTumin Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1088185143364411396.png) @KenTumin Ken Tumin

Ken Tumin posts on X about fed rate, fed, money, credit union the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/creator/twitter::1088185143364411396/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1088185143364411396/c:line/m:interactions.svg)

- X Week XXXXX +22%
- X Month XXXXXX -XXXX%
- X Months XXXXXXX +27%
- X Year XXXXXXX +29%

### Mentions: XX [#](/creator/twitter::1088185143364411396/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1088185143364411396/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XX +12%
- X Months XXX +61%
- X Year XXX +190%

### Followers: XXXXX [#](/creator/twitter::1088185143364411396/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1088185143364411396/c:line/m:followers.svg)

- X Week XXXXX +0.83%
- X Month XXXXX +1.40%
- X Months XXXXX +17%
- X Year XXXXX +16%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1088185143364411396/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1088185143364411396/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1088185143364411396/influence)
---

**Social category influence**
[finance](/list/finance)  XX% [stocks](/list/stocks)  XXXX% [technology brands](/list/technology-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX%

**Social topic influence**
[fed rate](/topic/fed-rate) #176, [fed](/topic/fed) #704, [money](/topic/money) 6.25%, [credit union](/topic/credit-union) 4.17%, [ibm](/topic/ibm) 4.17%, [$12b](/topic/$12b) 2.08%, [has been](/topic/has-been) 2.08%, [savings account](/topic/savings-account) 2.08%, [$523m](/topic/$523m) 2.08%, [$1b](/topic/$1b) XXXX%

**Top accounts mentioned or mentioned by**
[@wsj](/creator/undefined) [@charliebilello](/creator/undefined) [@dividendgrowth](/creator/undefined) [@jdpower](/creator/undefined) [@stevecocheo](/creator/undefined) [@maxgottlich](/creator/undefined) [@seekingalpha](/creator/undefined) [@bogleheads](/creator/undefined) [@mijim](/creator/undefined) [@financialbrand](/creator/undefined) [@jeffmarsico](/creator/undefined) [@fdicgov](/creator/undefined) [@icba](/creator/undefined) [@ababankers](/creator/undefined) [@thencua](/creator/undefined) [@marketwatch](/creator/undefined) [@yahoofinance](/creator/undefined) [@jmysct0](/creator/undefined) [@awealthofcs](/creator/undefined) [@proactivex](/creator/undefined)

**Top assets mentioned**
[IBM (IBM)](/topic/ibm) [Coca-Cola Co (KO)](/topic/$ko) [Limitus (LMT)](/topic/$lmt) [AT&T Inc. (T)](/topic/$t) [Intel Corporation (INTC)](/topic/$intc) [3M Co (MMM)](/topic/$mmm) [Texas Instruments (TXN)](/topic/$txn) [Procter & Gamble (PG)](/topic/$pg)
### Top Social Posts [#](/creator/twitter::1088185143364411396/posts)
---
Top posts by engagements in the last XX hours

"@charliebilello Now with gold ETFs its much easier today to hold a higher percentage of gold in ones portfolio as compared to 1980. It seems likely that well see gold move closer to that 1980 peak of 22%"  
[X Link](https://x.com/KenTumin/status/1979551447399219250) [@KenTumin](/creator/x/KenTumin) 2025-10-18T14:13Z 3771 followers, 2224 engagements


"Quorum Credit Union ($1.2B assets 69k members) Quorum is the 2nd largest of the online-only credit unions. According to NCUA records its last branch closed in 2020. Its corporate headquarters is in Purchase NY a suburb of NYC. It originally served Kraft Foods employees. Quorum has been offering a high-yield savings account (HighQ Savings) that has competed well with the HYSAs of the major online banks for more than a decade. 3/7"  
[X Link](https://x.com/KenTumin/status/1976686419872465357) [@KenTumin](/creator/x/KenTumin) 2025-10-10T16:29Z 3770 followers, XX engagements


"AdelFi Credit Union ($523M assets 16k members) AdelFi is the 3rd largest of the online-only credit unions. Founded in 1964 and formerly known as Evangelical Christian Credit Union AdelFi has a faith-focused field of membership. AdelFi will soon be merging with Christian Community Credit Union (CCCU) which will create a credit union with more than $1B in assets. One noteworthy consequence of this merger is the loss of NCUA deposit insurance. CCCU has only private deposit insurance via American Share Insurance (ASI) and AdelFi members voted in favor of the merger with this insurance change. 4/7"  
[X Link](https://x.com/KenTumin/status/1976686421386608707) [@KenTumin](/creator/x/KenTumin) 2025-10-10T16:29Z 3770 followers, XX engagements


"@jmysct0 @awealthofcs I looked at IBM stock in a total return calculator (that reinvests dividends). Looks like what you would expect from an S&P XXX index fund. IBM total annual returns: 1990-2025: XXX% 1985-2025: XXX% 1980-2025: 8.8%"  
[X Link](https://x.com/KenTumin/status/1977776979622392092) [@KenTumin](/creator/x/KenTumin) 2025-10-13T16:42Z 3767 followers, XX engagements


"Allys 3Q25 Earnings Press Release: Retail deposits of $XXXXX billion were up $XXX billion year over year and down $XXX billion quarter over quarter My Take: Retail deposits declined in the last quarter. That may slow Allys rate cuts"  
[X Link](https://x.com/KenTumin/status/1979599098971029558) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3774 followers, XXX engagements


"Allys Earnings Call: Allys CFO: our suite of digital products is driving deeper engagement fueling loyalty and reducing rate sensitivity My Take: Ally hopes its status as the largest all-digital direct bank will allow them to keep deposits with below average rates"  
[X Link](https://x.com/KenTumin/status/1979599101278011462) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3767 followers, XXX engagements


"@dividendology For those who are concerned about the Mag X dominating the S&P XXX theres the Invesco S&P XXX Equal Weight ETF (RSP). Its top XX holdings only make up XXXX% of the fund. One negative is its expense ratio of XXXX% which is high for an index ETF"  
[X Link](https://x.com/KenTumin/status/1979736405334282648) [@KenTumin](/creator/x/KenTumin) 2025-10-19T02:28Z 3771 followers, XXX engagements


"Useful HSA tips: Assuming a retiree has multiple accounts to choose from the HSA should logically come after withdrawals from taxable accounts traditional IRAs and 401(k)s"  
[X Link](https://x.com/KenTumin/status/1980283174459462097) [@KenTumin](/creator/x/KenTumin) 2025-10-20T14:41Z 3770 followers, XXX engagements


"@efipm I thought something like this was happening when alerts from my blink cameras woke me up this morning"  
[X Link](https://x.com/KenTumin/status/1980285323151036621) [@KenTumin](/creator/x/KenTumin) 2025-10-20T14:49Z 3772 followers, XX engagements


"Capital One Financial Delinquencies Fall Helping to Lift Revenue Profit @WSJ "The lower delinquencies soothed some investors concerns about the health of the consumer""  
[X Link](https://x.com/KenTumin/status/1980799677327925291) [@KenTumin](/creator/x/KenTumin) 2025-10-22T00:53Z 3769 followers, XXX engagements


"Top X online savings accounts by APY as of 10/21/2025 & thread on online savings account (OSA) yields and how OSA & money market fund (MMF) yields have changed since the first Fed rate cut (9/18/2024): X of the Top X had rate cuts after the Sep 17th Fed rate cut (they've been replaced below). Two of the Big X (Ally & Discover/CapOne) have cut their savings account rates"  
[X Link](https://x.com/KenTumin/status/1980807426438824028) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements


"Top X online savings accounts by APY as of 10/14/2025 & thread on online savings account (OSA) yields and how OSA & money market fund (MMF) yields have changed since the first Fed rate cut (9/18/2024): X of the Top X had rate cuts after the Sep 17th Fed rate cut (they've been replaced below). Two of the Big X (Ally & Discover/CapOne) have cut their savings account rates"  
[X Link](https://x.com/KenTumin/status/1978251927050727637) [@KenTumin](/creator/x/KenTumin) 2025-10-15T00:09Z 3769 followers, XXX engagements


"Its been XX months since the 1st Fed rate cut. Heres how liquid rates have fallen: From 9/18/24 to 10/21/25: Online savings accounts (APY) Highest: XXXX% XXXX% (-90 bps) Big X Avg: XXXX% XXXX% (-76 bps) Money Market Funds (SEC yield) VMFXX: XXXX% XXXX% (-122 bps) Note VMFXX was XXXX% on Sep 17th"  
[X Link](https://x.com/KenTumin/status/1980807429882528039) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XX engagements


"The @WSJ editorial board: More deposit insurance means more moral hazard and taxpayer risk. The legislation would raise the FDIC limit to $XX million from $250000 for non-interest-bearing transaction accounts (gift link)"  
[X Link](https://x.com/KenTumin/status/1980048391347540254) [@KenTumin](/creator/x/KenTumin) 2025-10-19T23:08Z 3771 followers, XXX engagements


"Noteworthy banks reporting Q3 earnings this week: Monday: Zions Tuesday: Capital One Friday: Flagstar"  
[X Link](https://x.com/KenTumin/status/1980294667850924402) [@KenTumin](/creator/x/KenTumin) 2025-10-20T15:26Z 3771 followers, XXX engagements


"Top X online savings accounts APYs & bank URLs As of 10/21/25: Pibank: XXXX% Axos Bank: XXXX% Presidential Bank: XXXX% Climate First Bank: XXXX% FitnessBank: XXXX% The X that had rate cuts since the Sep 17th Fed rate cut: HUSTL: XXXX% (was 4.80%) Elevault: XXXX% (was 4.60%) American Pride Bank: XXXX% (was 4.50%)"  
[X Link](https://x.com/KenTumin/status/1980807428229755115) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XX engagements


"Insights into Ally Bank's deposit rates from Allys 3Q25 Earnings Report: On Friday Ally Financial reported Q3 results that topped the market's revenue expectations: Thread on what they reported on deposits"  
[X Link](https://x.com/KenTumin/status/1979599095116243261) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3769 followers, XXX engagements


"The Big X online savings account APYs from Sep XX 2024 to Oct XX 2025 (Ally & Discovers rates have fallen XX bps since Sep 17th): Ally: XXXX% XXXX% (-80 bps) Amex: XXXX% XXXX% (-75 bps) Discover: XXXX% XXXX% (-80 bps) Marcus: XXXX% XXXX% (-75 bps) Synchrony: XXXX% XXXX% (-70 bps) Big X Average: XXXX% XXXX% (-76 bps)"  
[X Link](https://x.com/KenTumin/status/1980807431434256719) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements


"Odds that therell be XX bps of Fed rate cuts through the Dec 9-10 meeting are XXXX% (up from XXXX% last week). XX bps of cuts = 3.50%-3.75% rate. With those rate cuts a few X% online savings accounts may remain through 2025. Odds are from CME FedWatch"  
[X Link](https://x.com/KenTumin/status/1980807434357862895) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements