Best Nationally Available High APY Liquid Accounts
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Timbr Savings was 5.25%, now 5.05%
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Patriot Bank was 5.10%, now 5.05%
Vio Bank was 4.77%, now 4.66%
MyBankingDirect (Flagstar) was 4.75%, now 4.65%
Bread was 4.65%, now 4.60%
CFG was 4.75%, now 4.52%
Western State Bank was 4.50%, now 4.15%
CIT was 4.35%, now 4.20%
UFB was 4.31%, now 4.01%
Live Oak was 4.30%, now 4.20%
Synchrony was 4.30%, now 4.10%
Valley Direct was 4.25%. now 4.00%
Barclays was 4.20%, now 4.10%
Citizens Access was 4.15%, now 3.90%
Discover was 4.10%, now 3.90%
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Bank of Hope 5.10% appears to be dead. Account removed from the website. Not sure if current customers are still earning 5.10% or if they’ve lowered.
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Open Bank was 5.00%, now 4.75%
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Bank5 Connect Jumbo Savings was 4.60% now 4.50%
Ivy Bank Savings was 4.60% now 4.25%
Merchant’s Bank of Indiana MM was 4.50% now 4.25%
Virtual Bank MM was 4.50% now 4.25%
US Alliance Financial Savings was 4.05% now 3.90%
American Express National Bank Savings was 3.90% now 3.80%
Discover Bank Savings was 3.90% now 3.75%
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TIMBR (Bridgewater Bank) Savings was 5.05% now 4.80%
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Bask was 4.65%, now 4.50%
Laurel Road was 4.50%, now 4.15%
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Valley Direct Savings(new customer rate) was 4.80% now 4.55%
First Foundation Savings & MM was 4.75% now 4.50%
First Internet Bank Savings was 4.69% now 4.42%
Bread Financial Savings was 4.60% now 4.50%
Evergreen Bank Savings was 4.50% now 4.25%
Republic Bank of Chicago MM was 4.46% now 4.30%
Barclays Bank Savings was 4.10% now 4.00%
Empower Personal Cash was 4.00% now 3.75%
Citizens Bank Access Savings was 3.90% now 3.70%
FNBO Direct Savings was 3.90% now 3.75%
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EverBank Performance Savings was 4.75% now 4.40%
CIT Bank Platinum Savings was 4.55% now 4.35%
CIBC Bank Agility Savings was 4.51% now 4.38%
My Savings Direct (Emigrant Bank) Savings was 4.35% now 4.10%
EverBank Performance MM was 4.30% now 4.00%
Dollar Savings Direct (Emigrant Bank) Savings was 4.25% now 4.00%
CIT Bank Savings Connect was 4.20% now 4.00%
Quontic Bank Savings was 4.00% now 3.85%
Emigrant Direct (Emigrant Bank) was 4.00% now 3.75%
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Newtek was 4.90%, now 4.70%
Brio Direct was 4.85%, now 4.75%
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Total Bank MM was 4.86% now 4.67%
MyBankingDirect Savings was 4.65% now 4.55%
Prime Alliance Bank Savings was 4.50% now 4.15%
SalemFiveDirect Savings was 4.25% now 4.01%
Webull Cash Management was 4.00% now 3.75%
Paramount Bank Checking was 2.50% now 2.25%
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We wanted to inform you that effective January 3, 2025,
the Pibank Savings Annual Percentage Yield (APY*)
will be updated from 5.00% to 4.75% APYBetterment was 4.25%, now 4.00%
Wealthfront was 4.25%, now 4.00%
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Northern Bank Direct MM was 4.75% now 4.50%
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Vio Bank Money Market Savings was 4.66% now 4.56%
Valley Direct Savings was 4.55% now 3.75%
Western Alliance Bank Savings was 4.46% now 4.40%
CommunityWide FCU Monthly Savings was 4.25% now 4.00%
iGoBanking Index MM was 4.12% now 3.90%
Bank Purely Index MM was 4.12% now 3.90%
E-Trade by Morgan Stanley Private Bank was 4.10% now 4.00%
Self Help CU MM was 2.64% now 2.43%
CommunityWide FCU Savings was 1.25% now 1.00%
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Poppy Bank Savings was 4.75% now 4.50%
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Patriot Bank Money Market (5.05%) appears to be no longer available
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Zynlo Bank Tomorrow Savings was 5.00% now 4.50%
Zynlo Bank Money Market was 5.00% now 4.40%
Poppy Bank Savings was 4.75% now 4.50%
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Jenius was 4.80%, now 4.50%
Lending Club was 4.75%, now 4.50%
Rising Bank was 4.50%, now 4.40%
Western Alliance was 4.46%, now 4.40%
Upgrade was 4.41%, now 4.14%
Tab was 4.37% , now 4.26%
CIT Savings Connect was 4.20%, now 4.00%
Bank Purely was 4.12%, now 3.90%
IGO was 4.12%, now 3.90%
E*Trade was 4.10%, now 4.00%
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Primis Savings starting on January 10, 2025, your account(s) will earn a variable interest rate of 4.31% with an annual percentage yield (APY*) of 4.40%. Down from 4.70% APY.
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MyBankingDirect was 4.55%, now 4.45%
Zynlo was 4.50%, now 4.40%
Primis Savings was 4.70%, now 4.35%
Primis Checking was 4.50%, now 4.20%
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Western State Bank was 4.15%, now 4.00%
Sallia Mae Money Market was 4.10%, now 4.00%
Sallia Mae Savings was 4.10%, now 4.00%
Smarty Pig was 4.10%, now 4.00%
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Vio Bank Cornerstone MM was 4.56% now 4.46%
CFG Bank MM was 4.52% now 4.37%
Zynlo Bank Tomorrow Savings was 4.50% now 4.35%
Northern Bank Direct MM was 4.50% now 4.25%
Bank5 Connect Jumbo Savings was 4.50% now 4.25%
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FYI “from late 2019 to mid-2024, Capital One lowered and then froze the 360 Savings account rate to just 0.30%, even as rates increased nationwide. In contrast, starting in early 2022, Capital One increased the 360 Performance Savings account rate. In fact, the rate went from 0.40% in April 2022 to 3.30% as of January 2023, and 4.35% as of January 2024”
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
FYI “from late 2019 to mid-2024, Capital One lowered and then froze the 360 Savings account rate to just 0.30%, even as rates increased nationwide. In contrast, starting in early 2022, Capital One increased the 360 Performance Savings account rate. In fact, the rate went from 0.40% in April 2022 to 3.30% as of January 2023, and 4.35% as of January 2024”
Yes, I noticed that. It seemed very strange that their rates were near zero at a time when the interest rates were skyrocketing everywhere else… I have two children savings accounts with capital one and I’ve noticed ever since about a year ago, the rates have went up quite a bit…
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@goldsheet Are people so stupid that they don’t regularly check available interest rates at their own or other banks? What makes this a lawsuit? Nothing except some money grabbing class action lawyers that will make millions in fees and the average account holder might get $10.
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@mrvietnam My girlfriend had a 360 account, which she never checked,
so my rough calculations indicates she may have lost about $5000
in interest over 4 years based on rates and deposited amount.
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@atikovi Lots of folks have got caught in the "new account for a better rate"
while leaving old one out (UFB, Salem Five, CIT, and a few others do this)
Capital One made such a minor change in the name it’s more egregious
than all the others. Not everyone tracks and chases rates like we do.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Not everyone tracks and chases rates like we do.
So what about that, does a lawsuit make? If your nearby Exxon station sells gas for $4, but one a mile down the road sells it for $3.50, can you sue the first one for price gouging?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
Are people so stupid that they don’t regularly check available interest rates at their own or other banks?
Yes.
I would generally agree with you, but then I got to this part of the article and then I realized it may have merit.
Capital One marketed its 360 Savings account as a “high interest” account with a variable interest rate that was “one of the nation’s” “top,” “best," and “highest,” and would earn much more interest than the average savings account. It also assured former ING Direct savings accountholders that, with 360 Savings, they would “still have great rates.”
