Best Nationally Available High APY Liquid Accounts
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Alliant up to 1.75% - barely worth reporting.
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Ally went up to 1.80%.
The top tier of 11-month no-penalty CD (essentially liquid) went up to 2.00%.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Northfield Bank Platinum Savings
Anybody open a Northfield Bank Platinum Savings account. When I fill in the online form it tells me to call them to finish the application. When I call, they say I will get a letter telling me why I can’t open the account.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Customers Bank
Ascent Money Market Savings Account
Minimum to earn 2.03% APY is $25,000.
Balances below $25,000 earn no interest.
https://www.customersbank.com/ascent/Has anyone had experience with Customers Bank? It’s privately held, so info is limited. 2.2.5% lock til 6/30/19 is pretty good!
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@paazel Wouldn’t do it. May be hard to get your money back out since they don’t have ACH built in and they limit ACH’s that are initiated externally to $5,000.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@paazel Wouldn’t do it. May be hard to get your money back out since they don’t have ACH built in and they limit ACH’s that are initiated externally to $5,000.
Wait whaaaa that’s no good!
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
they limit ACH’s that are initiated externally to $5,000.Where did you see that?
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Just called them and was told they accept the limits set by your originating bank. If you want to ACH withdraw $100K, no problem.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Alliant Credit Union High Yield Savings up to 1.75% APY
https://www.alliantcreditunion.org/bank/high-yield-savingsFor the last month at least.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Alliant Credit Union High Yield Savings up to 1.75% APY
https://www.alliantcreditunion.org/bank/high-yield-savingsFor the last month at least.
Yes, as of 8/1
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@jtownsucks46
At least I got all of my other previous contributions correct.
Had surgery on 8/1, was in hospital for a week,
so you might understand why I missed one
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@goldsheet yes, your contributions are always accurate and appreciated!!
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SFGI increased to 1.91%
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Capital One 360 MMA 1.85% (from 1.75%) now.
https://www.capitalone.com/bank/savings-accounts/online-money-market-account/
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@l_tiger said in Best Nationally Available High APY Liquid Accounts:
Capital One 360 MMA 1.85% (from 1.75%) now.
https://www.capitalone.com/bank/savings-accounts/online-money-market-account/I have that account and it’s great if you have a C1 branch near you. High online rates with local bank access. Also have their checking account so I keep most of the cash in the MMA and transfer funds to checking at the branch to cover bill payments. Just wish they could do instant online transfers between those accounts.
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On the Cap 1 account, if you can transfer in $50k you can get $500 in bonuses, if you haven’t had a Cap 1 Savings account since Jan 2016. Note the bonus is based on cumulative deposits and you don’t need to leave the money there after you hit the $50k mark. https://capitalone.com/savings500/ (OFFER500 is the code)
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It seems the table on the first page is a little bit outdated.
MySavingsDirect saving 2.25%
https://www.mysavingsdirect.com/securebanking/login.do?_flowExecutionKey=_c8B34C87E-0F20-D293-E534-B2D5832FA5D1_kE3C02E60-C3B2-5585-DE10-4BB8A0FBD312iGOmoneymarket 2.25%
https://www.igobanking.com/rates.aspxHSBC Direct Savings 2.01%
https://www.hsbcdirect.com/
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Thanks - table updated!
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Also added a new bank to the list - PNC High Yield Savings pays 2.20% with no minimum and 5M max. Credit card funding also available.
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Anyone have experience with MySavingsDirect? Seems like it’s an Emigrant Bank product. I know the ins & outs of Dollar Savings Direct.
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Yep MySavingsDirect is definitely an Emigrant product. What a slap in the face to current DollarSavingsDirect depositors. Is there an easy way to transfer your balance from DSD to MSD, like with a phone call? Or do you have to do it like a new customer?
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Citizen’s Access up to 2.12% from 2%
Barclay up to 1.9% from 1.85%
American Express up to 1.9% from 1.8%
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Purepoint Savings up to 2.15%
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Ally increased from 1.85% to 1.90%.
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Per Ken, EBSB Direct has unveiled the latest addition to its product line: a High-Yield Statement Savings (HYSS) account, which earns 2.50% APY on balances between $5k and $1m. $50 minimum opening deposit, new money.
*edit to add -
Early account termination: $25 if closed within 180 days
Monthly fees: None
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CIT Bank is offering 2.15% now.
MemoryBank has an Online MMA for 2.25%, which seems quite new.
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@turtlebug said in Best Nationally Available High APY Liquid Accounts:
EBSB Direct
They mention,
As a member of both the Federal Deposit Insurance Corporation and the Deposit Insurance Fund of Massachusetts, all of your deposits are insured in full. That means that every dollar you have on deposit with East Boston Savings Bank is fully insured without limit.
How safe is that Deposit Insurance Fund of Massachusetts compared to the FDIC?
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Table updated with the following rate changes:
Mutual One Savings 2.02% —> 2.12%
Sallie Mae MM 1.90% —> 2.00%
Investor’s MM 1.90% —> 2.10%
Discover AAII Savings 1.85 —> 1.90%
Ally Savings 1.85% —> 1.90%
Synchrony Savings 1.85% —> 1.90%
Alliant Savings 1.80% —> 1.90%
Memory MM 1.85% —> 2.25%
Discover Savings 1.80% —> 1.85%
Self Help MM 1.58% —> 1.71%
Smarty Pig Savings 1.55% —> 1.75%As well as 2 new accounts added to the table:
CIT Savings Builder 2.15%
EBSB Savings 2.50%
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@john99 You just do an ACH. From my understanding they are two separate products. I went to setup a MySavingsDirect account yesterday, and realized I already had one from 2015! Found $500 in it as well!
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Popular Direct up to 2.10%
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@atikovi: pretty safe, i would think…they have been around since 1934 and back in the 80s when there was all that banking trouble and when a dozen or so banks failed in the Boston area, they were covered by DIF for the difference between the FDIC amount and anything they had over…Of course, the FDIC covered the up to $250,000 part…
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I recently opened the EBSB Direct Savings Account…does anyone know: 1) If a deposit posts right away when you set up an incoming transfer using their system? 2) Any hold placed on funds? if so, how long? (when you transfer in using their system)…
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@craig10x said in Best Nationally Available High APY Liquid Accounts:
I recently opened the EBSB Direct Savings Account…does anyone know: 1) If a deposit posts right away when you set up an incoming transfer using their system? 2) Any hold placed on funds? if so, how long? (when you transfer in using their system)…
From their disclosures:
External Transfers
Accounts are considered new for a period of thirty (30) days; during this time period those funds transferred from an external account to your account at East Boston Savings Bank will not be available for withdrawal for nine (9) business days.
After the thirty (30) day new account time period those funds transferred from an external account to your account at East Boston Savings Bank will not be available for withdrawal for three (3) business days.
External Transfers to CDs: Only the initial transfer to fund the CD is permitted.
Your account is not considered opened until you verify your external account. The thirty (30) day new account period begins from this date, not the date you applied online for the account.
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@jtownsucks46 : Thanks…I previously had an EBSB account and am using my old user id…in my case, i may be considered to be an old customer since the system had me in there from before…will be interesting to see what happens when the first deposit goes in…
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@craig10x said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 : Thanks…I previously had an ESBS account and am using my old user id…in my case, i may be considered to be an old customer since the system had me in there from before…will be interesting to see what happens when the first deposit goes in…
@craig10x let us know
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@jtownsucks46
Will do…
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LiveOakBank saving account raised to 1.85% (from 1.80%). Not really worth mentioning…
CustomerBank saving 2.25%
(https://www.customersbank.com/ascent/?utm_source=Bankrate&utm_medium=cpc&utm_campaign=ascent_mma&utm_content=bankrate_tables)
VIOBank saving 2.15%
(https://www.viobank.com/high-yield-savings)
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@l_tiger said in Best Nationally Available High APY Liquid Accounts:
LiveOakBank saving account raised to 1.85% (from 1.80%). Not really worth mentioning…
CustomerBank saving 2.25%
(https://www.customersbank.com/ascent/?utm_source=Bankrate&utm_medium=cpc&utm_campaign=ascent_mma&utm_content=bankrate_tables)
VIOBank saving 2.15%
(https://www.viobank.com/high-yield-savings)Added Vio Bank to the table. Others were already there. Thank you!
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https://www.dcu.org/
5.12% APY up to $1,000.00
https://www.hfcu.org/cu-thrive.html
3.00% APY up to $500.00 per month deposit
I use both of them and have been with DCU for years now. I am not sure if they are worth a shot but it is great to save money for kids college money or something similar.
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@sacarface said in Best Nationally Available High APY Liquid Accounts:
https://www.dcu.org/
5.12% APY up to $1,000.00
https://www.hfcu.org/cu-thrive.html
3.00% APY up to $500.00 per month deposit
I use both of them and have been with DCU for years now. I am not sure if they are worth a shot but it is great to save money for kids college money or something similar.I believe DCU requires a hard pull which may make it unattractive for many.
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FNBO raised savings rate to 2.00%
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Redneck and All America MM up to 2.25%
CIBC up to 2.16%
Sallie Mae up to 2.12%
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LiveOakBank Online Saving is 2.00% APY now, even though still a little bit lagging.
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Popular Direct up to 2.26%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
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@zerenia said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
So? Just drop your balance to $0.01.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@zerenia said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
So? Just drop your balance to $0.01.
You actually have to drop it to $500 in order to avoid a fee, HOWEVER, Popular has been consistently raising their rates to be at or near the top of all banks during this calendar year so unlikely that they’ll drop their rates…
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@zerenia said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
So? Just drop your balance to $0.01.
You actually have to drop it to $500 in order to avoid a fee, HOWEVER, Popular has been consistently raising their rates to be at or near the top of all banks during this calendar year so unlikely that they’ll drop their rates…
Damn! Must have missed that. I dropped it to 1 cent at the beginning of the month after going to another bank.
