Best Nationally Available High APY Liquid Accounts
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Milli was 5.50%, now 4.75% (OUCH)
“Effective 02/29/24, the interest rate on your Savings account and Jars will be adjusted to 4.75% Annual Percentage Yield”
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All America / Redneck was 5.15%, now 4.90%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Between November 1st, 2023 - December 19th, 2023
Simply deposit new money into your CIBC Agility Savings account to be eligible for the following:
Deposit $25,000 - $49,999: Earn a $250 bonus
Deposit over $50,000: Earn a $500 bonus
Sign-up for eStatements during the Funding Period
Keep the new money in your account until March 18th, 2024
Receive your bonus of up to $500 by May 17th, 2024
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdfJust got my CIBC $500 bonus.
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Seems strange for an increase but
Mybankingdirect was 5.35% now 5.55%
https://www.mybankingdirect.com/products/high-yield-savings.htmlAlso Milli dropped from 5.50% to 4.75%
(I took all my money out)
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Table updated!
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Anybody know something about Mercedes Demand notes paying 5.50%? https://firstclassdemandnotes.com/start Not FDIC insured and not any higher return than the top rates from insured accounts, but maybe as rates start to fall?
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American Express Savings was 4.30% now 4.25%
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Uncle Credit Union MM(via raisin) was 5.26% now 5.23%
Cloud Bank 24/7 Savings(via raisin) was 5.26% now 5.24%
Ponce Bank MM(via raisin) was 5.24% now 5.20%
Customers Bank Savings(via raisin) was 5.11% now 5.01%
CIT Bank Platinum Savings was 5.05% now 5.00%
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First Foundation Bank Online MM was 5.25% now 4.90%
Customer’s Bank Savings(via raisin) was 5.01% now 4.76%
First Foundation Bank Online Savings was 5.00% now 4.90%
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Two that went up:
Upgrade Premier Savings
Exceptional 5.21% APY on balances of $1,000 or more
https://www.upgrade.com/premier-savings/Credit Karma MoneyTM Save
Grow your money faster with 5.10% APY
https://www.creditkarma.com/ck-money/savings
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Hard to believe but another small increase
Laurel Road (Key Bank) 5.00% to 5.15%
https://www.laurelroad.com/high-yield-savings-account/Note: They have an excellent $300 welcome bonus on a checking account if you have a real direct deposit.
https://www.laurelroad.com/checking/loyalty-checking/
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InRoads FCU (via raisin) was 5.13% now 5.23%
American First CU MM (via raisin) was 5.24% now 5.20%
Harborstone CU MM (via raisin) was 5.25% now 5.15%UFB High Yield Savings and High Yield MM have been discontinued and replaced by UFB Secure Savings and Secure MM; new accounts pay same APY as old accounts - 5.25%
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DOWN: Brio Direct High Yield Savings was 5.35%, now 5.30%
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All America and Redneck were 4.90%, now 4.75%
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MyBankingDirect Savings was 5.55% now 5.45%
Cloud Bank 24/7 Savings(via raisin) was 5.24% now 5.22%
Western Alliance Bank Savings(via raisin) was 5.22% now 5.27%
America First CU MM(via rasin) was 5.20% now 5.24%
Ponce Bank MM(via raisin) was 5.20% now 5.26%
Harborstone CU MM(via raisin) was 5.15% now 5.25%
Popular Direct Savings was 5.15% now 5.05%
RB Max Savings(via raisin) was 5.15% now 5.05%
EverBank Savings was 5.15% now 5.05%
Mission Valley Bank Savings(via raisin) was 5.12% now 5.09%
First Mid Bank & Trust Savings(via raisin) was 4.80% now 5.18%
Border Bank MM(via raisin) was 4.50% now 4.00%
EverBank MM was 4.30% now 4.05%
E-Trade Savings was 4.25% now 4.50%
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Tab Bank Savings was 5.27% now 5.02%
UFB Direct Savings was 5.25% now 5.15%
UFB Direct MM was 5.25% now 5.15%
First Mid Bank & Trust MM (via raisin) was 5.18% now 4.60%
Mission Valley Bank Savings (via raisin) was 5.09% now 5.15%
Rising Bank Savings was 5.00% now 4.90%
Virtual Bank MM was 5.00% now 5.25%
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My Banking Direct Savings was 5.45% now 5.35%
Harborstone CU MM (via raisin) was 5.25% now 5.20%
nelnetbank Savings (via raisin) was 5.22% now 5.00%
Dayspring Bank MM (via raisin) was 5.21% now 5.16%
Western State Bank MM was 5.15% now 4.85%
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Lending Club High Yield Savings was 5.00%, UP to 5.30%
REQUIRMENT:
Unlock our LevelUp Rate of 5.30% APY by simply depositing $250+ per month into your LevelUp account. Miss a month? No problem.
You’ll still earn a Standard Rate of 4.80% APY1 to keep growing your savings.https://www.lendingclub.com/personal-savings/high-yield-savings
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CIT Bank Platinum Savings was 5.00% now 4.85%
iGObanking MM was 5.05% now 4.75%
Purely MM was 5.05% now 4.75%
RB Max Savings(via raisin) was 5.05% now 4.40%
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Removed from the list:
We want to let you know that after careful consideration we’ll be decommissioning Milli Bank, with the closure taking effect on November 15, 2024.
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Pibank Savings 5.50% APY
No fees, no minimum, FDIC insured
https://www.pibank.com/
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Going down …
CFG was 5.23%, now 5.19%
Valley Direct was 4.75%, now 4.25%
Virtual Bank was 5.25%, now 4.75%
Jenius was 5.25%, now 5.05%
Evergreen was 5.25%, now 4.75%
Vio was 5.30%, now 5.20%
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Brio 5.30 - 5.15
Republic 5.21 - 5.01
Brilliant 5.35 - 4.85
UFB 5.25 - 4.83
QMB 5.08-4.56
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Too many drops this week to post them all, so …my list here:
http://www.rejohnsonjr.com/SAVINGS.HTM
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Table updated.
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Poppy Bank savings down from 5.50% to 5.00%.
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Ivy Bank High Yield Savings was 5.30% now 5.00%
Citizen’s Access Savings was 4.50% now 4.15%
Modern Bank High Yield Money Market was 5.20% now 5.00%
CFG Bank High Yield Money Market was 5.19% now 5.05%
Bask Bank Savings was 5.10% now 4.85%
Tab Bank Savings was 5.02% now 4.52%
Webull Cash Management was 5.00% now 4.25%
CommunityWide FCU Hi Rate Savings Monthly was 5.00% now 4.50%
Popular Direct Savings was 4.95% now 4.90%
American First CU MM (via raisin) was 4.90% now 4.80%
Adda Bank Savings (via raisin) was 4.90% now 4.80%
Republic Bank of Chicago MM was 4.85% now 4.71%
Western Bank MM was 4.85% now 4.50%
iGo Banking Index MM was 4.78% now 4.34%
Bank Purely Index MM was 4.78% now 4.35%
Nelnet Bank Savings (via raisin) was 4.76% now 4.71%
Mph Bank MM (via raisin) was 4.70% now 4.50%
First Mid Bank & Trust MM (via raisin) was 4.60% now 3.56%
Liberty Savings Bank Savings (via raisin) was 4.60% now 4.50%
US Alliance Financial Savings was 4.55% now 4.25%
Synchrony Bank Savings was 4.50% now 4.30%
Live Oak Bank Savings was 4.40% now 4.30%
American Express Savings was 4.25% now 4.10%
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Live oak Bank $200 bonus on $20,000 deposit for 90 days.
= About 4% + 4.3%Apy = 8.3%
https://www.liveoakbank.com/
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Sallie Mae Savings and MM both dropped from 4.50% to 4.20%
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5.25%, $500 to open, no fees, but geographically restricted (fyi only)
Openbank is a part of Santander Bank, N.A., which is a member institution of FDIC
Your home ZIP Code must be within Openbank’s current service area, which is
every state in the U.S. except for Connecticut, Delaware, Massachusetts,
New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island.
https://www.openbank.us/banking/high-yield-savings-account
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Western Alliance Bank Savings was 5.11% now 5.01%
CFG Bank MM was 5.05% now 5.00%
Popular Direct Savings was 4.90% now 4.85%
Uncle Credit Union MM (via raisin) was 4.90% now 3.99%
UFB Direct Savings & MM was 4.83% now 4.57%
American First CU MM (via rasin) was 4.80% now 4.65%
Nelnet Bank Savings (via raisin) was 4.71% now 4.55%
Dayspring Bank Savings (via raisin) was 4.71% now 4.67%
Blue FCU MM (via raisin) was 4.70% now 4.50%
Smarty Pig by Sallie Mae was 4.25% now 4.10%
Paramount Bank Interest Checking was 3.25% now 2.50%
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Lending Club Savings was 5.30% now 5.15%
Total Bank MM was 5.26% now 5.11%
State Bank of Texas MM was 5.22% now 4.96%
Vio Bank MM was 5.20% now 5.05%
Brio Direct Savings was 5.15% now 5.05%
Jenius Bank Savings was 5.05% now 4.80%
Western Alliance Bank Savings was 5.01% now 4.81%
Bread Savings was 4.95% now 4.75%
Popular Direct Savings was 4.85% now 4.76%
Western Alliance Bank Savings(via raisin) was 4.70% now 4.65%
Dayspring Bank Savings(via raisin) was 4.67% now 4.57%
American First CU MM(via raisin) was 4.65% now 4.60%
Adda Bank Savings(via raisin) was 4.65% now 4.55%
Cloud Bank 24/7 Savings(via raisin) was 4.65% now 4.62%
CFBank Savings(via raisin) was 4.60% now 4.50%
Generations Bank MM(via raisin) was 4.60% now 4.34%
The State Exchange Bank Savings(via raisin) was 4.55% now 4.47%
Marcus Bank Savings was 4.25% now 4.10%
American Express Savings was 4.10% now 4.00%
Discover Bank Savings was 4.10% now 4.00%
Capital One Bank Savings was 4.10% now 4.00%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
CFBank Savings(via raisin) was 4.60% now 4.50%
It shows 5.00% APY on my MMA and no mention of Raisin on their website.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
CFBank Savings(via raisin) was 4.60% now 4.50%
It shows 5.00% APY on my MMA and no mention of Raisin on their website.
They may offer an account direct as well but the one on the list is through raisin:
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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:
CFBank Savings(via raisin) was 4.60% now 4.50%
It shows 5.00% APY on my MMA and no mention of Raisin on their website.
They may offer an account direct as well but the one on the list is through raisin:
Maybe you mixed up CFG Bank and CF Bank? CFG does appear to be paying 5% and is on the list in the very first post.
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Well I guess I did.
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2 Additions to the list:
Timbr(Bridgewater Bank) Savings 5.25% https://timbrfinancial.com/
Patriot Bank MM 5.10% https://bankpatriot.com/online-money-market
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Bank5Connect Savings was 5.10% now 4.95%
Brio Direct Savings was 5.05% now 5.00%
Vio Bank Money Market was 5.05% now 4.90%
CFG Bank Money Market was 5.00% now 4.90%
MyBankingDirect Savings was 5.00% now 4.85%
Northern Bank Direct Money Market was 4.85% now 4.75%
Cloud Bank 24/7 Savings (via raisin) was 4.62% now 4.57%
Quontic Bank Savnigs was 4.50% now 4.25%
Barclays Bank Savings was 4.20% now 4.10%
Self Help CU MM was 3.36% now 3.15%
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Lending Club Savings was 5.15% now 5.00%
Valley Direct Savings was 5.05% now 4.80%
EverBank Performance Savings was 5.05% now 4.75%
Western Alliance Bank Savings was 4.81% now 4.46%
Merchants Bank of Indiana MM was 4.75% now 4.50%
Evergreen Bank Savings was 4.75% now 4.50%
Virtual Bank Money Market was 4.75% now 4.50%
Republic Bank of Chicago MM was 4.71% now 4.61%
Western Alliance Bank Savings (via raisin) was 4.65% now 4.35%
American First CU MM was 4.60% now 4.45%
UFB Portfolio Savings was 4.57% now 4.31%
UFB Portfolio MM was 4.57% now 4.31%
Blue FCU MM (via raisin) was 4.50% now 4.25%
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Brio Direct Savings was 5.00% now 4.85%
Modern Bank MM was 5.00% now 4.75%
First Foundation Bank MM was 4.90% now 4.75%
First Foundation Bank Savings was 4.90% now 4.75%
Bank Bank Savings was 4.85% now 4.65%
CIT Bank Savings was 4.70% now 4.55%
Connect One Bank Savings was 4.70% now 4.40%
Popular Direct Savings was 4.65% now 4.60%
Grand Bank MM (via raisin) was 4.57% now 4.50%
Adda Bank Savings (via raisin) was 4.55% now 4.25%
Dayspring Bank MM (via raisin) was 4.52% now 4.45%
Liberty Savings Bank Savings (via raisin) was 4.50% now 4.36%
MPH Bank MM (via raisin) was 4.50% now 4.36%
Betterment Cash Reserve was 4.50% now 4.25%
SalemFiveDirect Savings was 4.50% now 4.25%
Customers Bank Savings (via raisin) was 4.41% now 4.16%
CIT Bank Savings Connect was 4.35% now 4.20%
Generations Bank MM (via raisin) was 4.34% now 4.01%
FNBO Direct Savings was 4.25% now 3.90%
iGoBanking MM was 4.25% now 4.00%
Bank Purely Insured MM was 4.25% now 4.00%
Empower Personal Cash was 4.20% now 4.00%
RB Max Savings (via raisin) was 4.15% now 3.90%
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Live Oak Bank $300 bonus on $20,000 deposit for 60 days.
Much better than previous offer "$200 bonus on $20,000 deposit for 90 days."
https://www.liveoakbank.com/
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Total Direct Bank MM was 5.11% now 5.01%
Quontic Bank MM was 5.00% now 4.75%
CFG Bank Online MM was 4.80% now 4.65%
Harborstone CU MM (via raisin) was 4.55% now 4.30%
Grand Bank MM (via raisin) was 4.50% now 4.31%
CF Bank Savings (via raisin) was 4.50% now 4.20%
Wealthfront Cash was 4.50% now 4.25%
Quontic Bank Savings was 4.25% now 4.00%
US Allliance Financial Savings was 4.25% now 4.05%
Webull Cash Management was 4.25% now 4.00%
Etrade Savings was 4.25% now 4.10%
Ally Bank MM was 4.00% now 3.85%
Ally Bank Savings was 4.00% now 3.85%
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Lending Club Savings was 5.00% now 4.75%
Poppy Bank Savings was 5.00% now 4.75%
State Bank of Texas MM was 4.96% now 4.75%
MyBankingDirect Savings was 4.85% now 4.75%
Dollar Savings Direct Savings was 4.85% now 4.25%
Bread Financial Savings was 4.75% now 4.65%
Republic Bank of Chicago MM was 4.61% now 4.46%
CIBC Bank Savings was 4.61% now 4.51%
Synchrony Bank Savings was 4.30% now 4.10%
Citizens Access Savings was 4.15% now 3.90%
Discover Bank Savings was 4.00% now 3.90%
Capital One Savings was 4.00% now 3.90%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Dollar Savings Direct Savings was 4.85% now 4.25%
Time to get a new account.
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Email from Pibank was 5.50%, will be 5.00%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Email from Pibank was 5.50%, will be 5.00%
Thanks! Newtek Bank Savings also down to 4.90% from 5.25%
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@jtownsucks46
I loaded up on CDs months ago.
Have lots from 5.35% up to 5.60%
Just delaying the inevitable
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Total was 5.01%, now 4.86%
Vio was 4.90%, now 4.77%
