Best Nationally Available High APY Liquid Accounts
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UFB Money Market Savings is 1.41% APY
need to maintain a balance of $5000 or more for rate
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Thank you @goldsheet
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
UFB Money Market Savings is 1.41% APY
need to maintain a balance of $5000 or more for rateThis is a new account. Can you please provide the data for all 11 the cells/columns of the table?
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@fivetalents
APY 1.41%
Eff 11/04/2017
Bank/CU/Other UFB Direct
Min $5000
Max ?
Hard Inq N
Checks Y
Debit Card Y - free Visa® Debit Card
ACH Orig/Des Y/Y
Notes There is no monthly maintenance fee with a minimum $5,000 average daily collected balance; otherwise, the fee is $10.00 per month.
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You’re awesome @goldsheet. Thank you. I’ve updated the table.
ALL REPORTED CHANGES POSTED UP TO THIS POINT HAVE BEEN MADE TO THE TABLE
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@fivetalents Thanks. I updated this table many (100+) times back on FW.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@fivetalents Thanks. I updated this table many (100+) times back on FW.
Then bless your heart 'cause it ain’t fun. That explains, however, why you were able to provide all of the data that I asked for so quickly and completely (I was impressed).
When you have a chance, could you please post an update of all of the acronyms used in the OP so that I can edit that too? Several of the terms are not defined anywhere and it would help many of us to be certain that we are interpreting things correctly. TIA.
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@jason-t said in Best Nationally Available High APY Liquid Accounts:
CapitalOne MMA now ears 1.3% for balances over $10k (0.6% for lower balances)
https://www.capitalone.com/bank/open-an-accountYou’ll even earn a $200 bonus when you deposit $10,000 or more by December 31, 2017, and use code SAVE200.
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PurePoint is now 1.4%.
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Incredible Checking is now paying 0% interest. Existing accounts are currently grandfathered with the old interest rate but representative did not know if this is permanent or what would happen when interest rates change.
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@uncamikey said in Best Nationally Available High APY Liquid Accounts:
PurePoint is now 1.4%.
Updated
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@larryu said in Best Nationally Available High APY Liquid Accounts:Incredible Checking is now paying 0% interest. Existing accounts are currently grandfathered with the old interest rate but representative did not know if this is permanent or what would happen when interest rates change.
TY. I’ll strike through it’s row on the table but leave it there pending further updates.
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1.50% at Northpointe Bank Ultimate Money Market but very low external transfer limits.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
1.50% at Northpointe Bank Ultimate Money Market but very low external transfer limits.
This is a new account. Please provide the data for all 11 the cells/columns of the table like @goldsheet did here: https://phatwalletforums.com/post/11258 and I’ll add it to the table.
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Incredible Saving up to 1.55% and now paying that at the $25,000 and above level (was $250,000)
https://www.incrediblebank.com/products/savings
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Is there a reason why you aren’t including Consumers CU?
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@calwatch said in Best Nationally Available High APY Liquid Accounts:
Is there a reason why you aren’t including Consumers CU?
If the account qualifies for inclusion in the OP, you need to provide the data for every cell/column of the table and a moderator will edit the table to unclude it.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Incredible Saving up to 1.55% and now paying that at the $25,000 and above level (was $250,000)
https://www.incrediblebank.com/products/savingsI was hoping that another mod would make this update because I don’t really understand your notes. I seem to be the only mod keeping the OP udated though, so I updated the rate and the link just now.
Please clarify what you mean by “now paying that at the $25,000 and above level (was $250,000).” According to the table, you have to have a minimum of $2,500 to earn the high APY and anything over $250,000 does not earn the high APY. Does the minimum balance need to be changed to $25,000 since they don’t pay at “was” value of $250,000? Tell me exactly what should appear under which column.
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They used to pay the highest rate for deposits of $250,000 or more, but they lowered the top tier to $25,000, which is better.
APY 1.55%
EFF 11/21/17
Min: $2500
Max: none
Hard: no
Checks: no
Debit card: no
ACH: y/y
Notes: $0 - $24,999.99 1.21% APY $25,000 and above 1.55% APY 3 max external links
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
They used to pay the highest rate for deposits of $250,000 or more, but they lowered the top tier to $25,000, which is better.
APY 1.55%
EFF 11/21/17
Min: $2500
Max: none
Hard: no
Checks: no
Debit card: no
ACH: y/y
Notes: $0 - $24,999.99 1.21% APY $25,000 and above 1.55% APY 3 max external linksThanks so much for the clarification and additional info. The account has been updated.
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Alliant savings up to 1.25% apy.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
Alliant savings up to 1.25% apy.
Updated
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@goldsheet Hey! How can I add an external back account for ACH Transfer at Incredible Bank? Do I have to setup a checking account with them as well?
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@paazel Incredible is not great with their transfers.
You are better off using another bank to push/pull funds by ACHHere’s their info;
“Starting 60 days after you open an account, you may request that we enable bank-to-bank transfers for you. Maximum of three inbound transfers per business day, not exceeding a total of $50,000. Maximum of three outbound transfers per business day, not exceeding a total of $10,000. The cutoff time for initiating transfers is 4:00 pm CST. Please call us at 877-261-4750 to request this feature.”
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FNBO Direct just raised their online savings account rate to 1.40% APY with no minimum balance requirement.
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@turtlebug said in Best Nationally Available High APY Liquid Accounts:
FNBO Direct just raised their online savings account rate to 1.40% APY with no minimum balance requirement.
Updated
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Live Oak Bank up to 1.5%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Live Oak Bank up to 1.5%
I changed the effective date in the table for you.
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@fivetalents thank you!
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Colorado Federal Savings Bank Premier Savings
https://www.coloradofederalbank.com/SAInfo.aspxAPY 1.65%
EFF 12/01/17
Min: $50,000
Max: none
Hard: ?
Checks: no
Debit card: no
ACH: y/y
(only allow transfers to and from your original linked account.)
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Colorado Federal Savings Bank Premier Savings
https://www.coloradofederalbank.com/SAInfo.aspxAPY 1.65%
EFF 12/01/17
Min: $50,000
Max: none
Hard: ?
Checks: no
Debit card: no
ACH: y/y
(only allow transfers to and from your original linked account.)Updated. Thanks for providing the data for every column of this new account @goldsheet.
For anyone willing to help out, I’m still waiting on:
- An complete glossary of all of the acronyms used in the OP
- The data for every column of the new Northpointe Bank Ultimate Money Market account reported by @atikovi about a month ago (on this page).
Reminder: the $200 bonus on $10K+ with code SAVE200 for the Capital One 360 MMA expires on deposit 12-31-2017.
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Thought all the acronyms were defined .
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Northpointe Ultimate Money Market
https://www.northpointe.com/ultimate-money-market/
APY 1.50% (guaranteed for at least 12 months for balances of $25,000 to $1,000,000, 0.20% for $0.00-2,499.99. 0.25% for $2,500-24,999.99)
Effective: 10/31/17
That’s all I can find on their website
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
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Thought all the acronyms were defined .
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Northpointe Ultimate Money Market
https://www.northpointe.com/ultimate-money-market/
APY 1.50% (guaranteed for at least 12 months for balances of $25,000 to $1,000,000, 0.20% for $0.00-2,499.99. 0.25% for $2,500-24,999.99)
Effective: 10/31/17
That’s all I can find on their website
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Not to the novice/new comer, especially with respect to the column headings.
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Thank you!!! Updated.
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Practically speaking, I think the highest paying savings a/c, for those w/ $25K, is Ally Bank’s 11-month No Penalty CD, currently @ 1.75%. 7 days after you open this CD, you can close it – with no loss of interest. If the rate increases, you can close this CD, and open a new 11-mo No Penalty CD at the higher rate, w/ no loss of interest. If the rate declines (not likely in this environment), the rate is good for 11 months. A win win situation.
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Sallie Mae MMA up slightly to 1.32% effective 12/29/2017
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Sallie Mae MMA up slightly to 1.32% effective 12/29/2017
Updated
The Capitol One 360 $200 bonus expires tomorrow.
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Alliant up to 1.30%
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Top Banks or Credit Unions offering over 1.5% APY
Bank | Account Type | APY | Terms
Colorado Federal Savings Bank Savings Account 1.65% $50,000 minimum
Incredible Bank Savings 1.55% $25,000 minimum to earn high rate
All America Bank Mega Money Market 1.50% Maximum rate up to $35K
Dollar Savings Direct Online Savings 1.50% No Fees. No Minimums
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000 minimum to earn high rate
Live Oak Bank Savings Account 1.50% No minimum
Northpointe Bank Ultimate Money Market 1.50% $25k to $1m to earn rate
Redneck Bank Mega Money Market Account 1.50% Maximum rate up to $35K
Salem Five Direct eOneSavings 1.50% New customers only. Earn high rate up to $1 million
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Best bank account bonuses for January 2018
The link:
https://www.bankrate.com/banking/best-bank-account-bonuses/
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Another good resource for bank bonuses
HustlerMoneyBlog
Best Bank Bonuses, Promotions, Deals, Offers & Referrals
http://www.hustlermoneyblog.com/best-bank-bonuses-deals/
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CIT Bank up to 1.55%
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Dollar Savings Direct up to 1.60% APR.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
CIT Bank up to 1.55%
Great rates, but PurePoint (1.40%) has one great advantage over all others (that I know), which is, it credits all deposits the same day.
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@richard said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
CIT Bank up to 1.55%
Great rates, but PurePoint (1.40%) has one great advantage over all others (that I know), which is, it credits all deposits the same day.Does this allow for double interest for a day or two which is the benefit?
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@richard said in Best Nationally Available High APY Liquid Accounts:
Top Banks or Credit Unions offering over 1.5% APY
Bank | Account Type | APY | Terms
Colorado Federal Savings Bank Savings Account 1.65% $50,000 minimum
Incredible Bank Savings 1.55% $25,000 minimum to earn high rate
All America Bank Mega Money Market 1.50% Maximum rate up to $35K
Dollar Savings Direct Online Savings 1.50% No Fees. No Minimums
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000 minimum to earn high rate
Live Oak Bank Savings Account 1.50% No minimum
Northpointe Bank Ultimate Money Market 1.50% $25k to $1m to earn rate
Redneck Bank Mega Money Market Account 1.50% Maximum rate up to $35K
Salem Five Direct eOneSavings 1.50% New customers only. Earn high rate up to $1 millionINOVA is not currently in any of the tables. Please provide complete data for each and every cell/column and I will add it to the table.
I updated the rate and maximum on Salem Five Direct and dated it with the date of your post. Let me know if the effective date is different. Also do you know how long the new rate is guaranteed for?
Everything else matches the table.
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@john99 said in Best Nationally Available High APY Liquid Accounts:
Dollar Savings Direct up to 1.60% APR.
Updated
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Banks with APY > 1.50%
Bank | Account Type | APY | Terms
Colorado Federal Savings Bank Savings Account 1.65% $50,000 minimum
Dollar Savings Direct Online Savings 1.60% No Fees. No Minimums
CIT Bank Premier High Yield Savings 1.55% $100 minimum opening deposit
Incredible Bank Savings 1.55% $25,000 minimum to earn high rate
All America Bank Mega Money Market 1.50% Maximum rate up to $35K
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000 minimum to earn high rate
Live Oak Bank Savings Account 1.50% No minimum
Northpointe Bank Ultimate Money Market 1.50% $25k to $1m to earn rate
Redneck Bank Mega Money Market Account 1.50% Maximum rate up to $35K
Salem Five Direct eOneSavings 1.50% New customers only. Earn high rate up to $1 million
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@fivetalents I update and sort these rates weekly in my spreadsheet. The source is http://www.hustlermoneyblog.com/best-bank-rates/ . All further information/data and additional details should be in that link.
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I tempted to take a big chunk from PurePoint 1.40% and stuff it into Colorado Fed., but as soon as I do that, PP will raise their rates too.
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Interest rates appear to be on the cusp of breaking out against a multi-decade long bear market - PurePoint could raise their rates again not before long.
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@richard said in Best Nationally Available High APY Liquid Accounts:
@fivetalents I update and sort these rates weekly in my spreadsheet. The source is http://www.hustlermoneyblog.com/best-bank-rates/ . All further information/data and additional details should be in that link.
Given the massive number of hours I’m already investing moderating here, I’m not taking on the additional work of tracking down accurate data for the accounts reported here. I’m only trying to help out by updating the table with the info provided by members because this site does not yet have a quick summary/wiki.
