Best Nationally Available High APY Liquid Accounts
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PurePoint done for.
“We’re reaching out to let you know about important changes to your account(s) and to the PurePoint® Financial organization. After thoughtful review of our business, we’ve made the decision to permanently close PurePoint Financial. This closure is scheduled to occur in late April 2023.”
They have the best ACH transfer limits, $250k per day but worthless interest rates the last few years.
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@atikovi Suprised U.S. Bancorp didn’t do it sooner (acquired MUFG 12/1/22)
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CFG Bank has put their rate back to 4.55% after a brief drop to 4.45%
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Ivy Bank’s Indexed Savings Account is back and available for application for new customers again. 4.75% Nationally available except CA
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Idabel National Bank MM(viaSaveBetter) was 4.15% now 4.35%
Synchrony Bank Savings was 3.75% now 3.99%
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Blue FCU MM (via SaveBetter) was 4.25% now 4.42%
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ALLY Online Savings Account rate is increasing from 3.40% to 3.60%
( goes into effect on 3/10/2023 )
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
ALLY Online Savings Account rate is increasing from 3.40% to 3.60%
Money Market is going from 3.5% to 3.8%. Don’t understand why there is a difference between the two.
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@c3 Neither Ally accounts are competitive.
I just went for the savings ($500) and brokerage ($100) bonuses
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@c3 Neither Ally accounts are competitive.
Yes, I understand. I don’t have much money there, mainly for bill payments.
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FYI only: Wells Fargo $525 Savings Bonus With $25,000 Deposit (In-Branch)
$525 on $25k is 2.1% If you hold from account opening until bonus payment (120 days) it’s only about 6%. APY
If you wait almost until the 30-day requirement to fund and you close promptly you can get the holding period down to maybe 70 days which makes it close to 11% APY
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Brilliant Bank Savings was 4.30% now 4.65%
Continental Bank Savings(via SaveBetter) was 3.65% now 4.41%
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Another via Savebetter Platform
CloudBank 24/7 Savings 4.48% APY
https://www.savebetter.com/banks/cloudbank-24-7/high-yield-savings-account
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Another via Savebetter Platform
CloudBank 24/7 Savings 4.48% APY
https://www.savebetter.com/banks/cloudbank-24-7/high-yield-savings-accountIt looks like this is a rebrand from Third Coast Bank. They were previously on SaveBetter but were removed from the platform back on January 23rd. At that time their rate was 4.13%. Looks like they’re just using a different name this time around.
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UFB Preferred Savings and Money Market was 4.55%, now 5.02%
CFG was 4.55%, now 4.70%
Bask was 4.25%, now 4.35%
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American First CU MM(via SaveBetter) was 4.30% now 4.48%
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ZYNLO Money Market Account from 1.25% Annual Percentage Yield (APY) to 4.00% APY.
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Western Alliance Bank Savings(via SaveBetter) was 4.45% now 4.50%
Citizen’s Bank Savings was 4.00% now 4.25%
USAlliance Financial Savings was 3.75% now 4.25%
Virtual Bank MM was 3.30% now 3.87%
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Lending Club High-Yield Savings account is now earning 4.25%
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First Foundation Bank. We are increasing the rate of your Online Savings account today to 4.50% Annual Percentage Yield (APY).
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The Atlantic FCU MM was 4.40% now 4.50%
Vio Bank MM was 4.30% now 4.40%
CIT Bank Savings Connect was 4.05% now 4.20%
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CFG was 4.70%, now 4.80%
American Express was 3.50%, now 3.75%
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Discover AAII was 3.55%% now 3.65%
Discover was 3.50% now 3.60%
Bask was 4.35% now 4.45%
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Western Alliance Bank Savings(via SaveBetter) was 4.50% now 4.55%
Lemmata Savings Bank MM(via SaveBetter) was 4.25% now 4.55%
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New account offering from CIT Bank: Platinum Savings 4.40% requires 5k minimum balance.
https://www.cit.com/cit-bank/bank/savings/platinum-savings-account
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
New account offering from CIT Bank: Platinum Savings 4.40% requires 5k minimum balance.
https://www.cit.com/cit-bank/bank/savings/platinum-savings-accountSo dumb they play these games with new accounts getting higher rates, but I’ll play their games since they make it trivial to transfer all your money over when you open a new account.
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NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts
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Redneck and All America was 4.25%, now 4.55% (up to $75,000)
Vio Cornerstone was 4.40%, now 4.50%
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Patriot Bank MM(via SaveBetter) was 4.30% now 4.60%
Bread Financial Savings was 4.25% now 4.50%
Sallie Mae MM was 3.75% now 3.80%
Sallie Mae Savings was 3.65% now 3.70%
Colorado Savings Bank Savings was 3.05% now 3.75%
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Don’t think it was only list but another fintech - Enzo was 4.27%, now dead/closed
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CFG Bank MM was 4.80% now 5.02%
Merchants Bank of Indiana MM was 4.34% now 4.50%
Western Alliance Bank Savings(via SaveBetter) was 4.55% now 4.75%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts**Thank you for applying for an account with us at TotalDirectBank.
We regret to inform you that we cannot approve your new account application.
We are unable to provide additional information.**
WTH? You can’t tell me WHY I wasn’t approved? I have opened half a dozen bank accounts the last 90 days and they didn’t approve me and WONT say why?
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Ally Savings: 3.60% -> 3.75%
Ally MM: 3.80% -> 4.00%
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NASB increased rate to 4.65%
Premium Rate Savings
4.65% APY*Your rate increase is effective today and will be reflected in your online banking tomorrow.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accountsDid not last long: Total Direct was 5.05%, now DOWN to 4.50%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accountsDid not last long: Total Direct was 5.05%, now DOWN to 4.50%
Good luck opening an account. When they deny you they wont give any reason. Glad they did now.
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Did not last long: Total Direct was 5.05%, now DOWN to 4.50%
Good luck opening an account. When they deny you they wont give any reason. Glad they did now.
Already had an account.
Also, financial institutions are not required to give you a reason.
They just refer you to ChexSystems or EWS, Reports you should order.
ChexSystems: https://www.chexsystems.com/request-reports/consumer-disclosure
EWS: https://www.earlywarning.com/consumer-informationShould also get all your credit reports
https://www.annualcreditreport.com/index.action
Experian: https://www.experian.com
Equifax: https://www.equifax.com
Transunion: https://www.transunion.com
LexisNexus: https://consumer.risk.lexisnexis.comAlso free sites:
Credit Karma: https://www.creditkarma.com
Credit Sesame: https://www.creditsesame.com
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First Internet Bank Savings was 4.65% now 4.93%(balances 1M and over)
Wealthfront Savings was 4.05% now 4.30%
Sallie Mae MM was 3.80% now 4.05%
Rising Bank Savings was 3.75% now 4.25%
Sallie Mae Savings was 3.70% now 3.95%
Live Oak Bank Savings was 3.50% now 4.00%
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Northern Bank Direct was 4.35% now 4.75%
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Patriot Bank MM was 4.60%, now 4.75%
Popular Direct High Rise Savings was 4.40%, now 4.45%
Quontic High Yield Savings was 3.70%, now 4.05%
ConnectOneBank Online Savings was 3.09%. now 4.00%
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CIBC Bank Savings was 4.01% now 4.27%
Betterment Cash was 4.00% now 4.20%
Barclays Bank Savings was 3.60% now 3.80%
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The Atlantic FCU MM(via SaveBetter) was 4.50% now 4.65%
mph Bank MM(via SaveBetter) was 4.25% now 4.41%
Liberty Savings Bank Savings(via SaveBetter) was 4.15% now 4.31%
Empower Personal Cash was 4.10% now 4.25%
Tab Bank Savings was 4.06% now 4.40%
b1 Bank Savings was 3.80% now 4.35%
Bank7 Savings was 3.30% now 3.50%
Ponce Bank MM(via SaveBetter) was 3.25% now 4.80%
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New SaveBetter Banks/Credit Unions:
GreenState Credit Union Savings 4.75% https://www.savebetter.com/credit-unions/greenstate-credit-union
FVC Bank MM 4.75% https://www.savebetter.com/banks/fvcbank
Mission Valley Bank Savings 4.71% https://www.savebetter.com/banks/mission-valley-bank
Hanover Bank MM 4.65% https://www.savebetter.com/banks/hanover-bank
Adda Bank Savings 4.45% blob:https://www.savebetter.com/51b59fd1-e6fa-44fd-983a-945fadbe74ac
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Mission Valley Bank Savings was 4.71%, now 4.80%
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Ivy Bank High Yield Savings was 4.25% now 4.50%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank High Yield Savings was 4.25% now 4.50%
Which is different from their Indexed savings account paying 4.75%, right?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank High Yield Savings was 4.25% now 4.50%
Which is different from their Indexed savings account paying 4.75%, right?
Correct; I believe we’ll see an update on the Indexed account on the first of the month.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank High Yield Savings was 4.25% now 4.50%
Which is different from their Indexed savings account paying 4.75%, right?
Correct; I believe we’ll see an update on the Indexed account on the first of the month.
So what’s the difference between the two? The savings account can change rates any time. The indexed account, just at the beginning of the month. Why is this a big deal, or is it?
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The High Yield can change at any time just like any other Savings/MM account. The Indexed account rate resets at the beginning of each calendar month and is indexed to the One-Month Treasury Par Yield. Not overly familiar with the One-Month Treasury Par Yield so maybe others will weigh in on this aspect of it as to whether it’s a good thing or not. One positive may be that in a declining rate environment, some accounts may have numerous interest rate drops in a month time but with this account, it appears that it will only decrease once a month.
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Western Alliance Bank Savings(via SaveBetter) was 4.75% now 4.80%
Blue FCU MM(Via SaveBetter) was 4.42% now 4.66%
Salem Five Direct Savings was 4.10% now 4.61%
