Best Nationally Available High APY Liquid Accounts
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Added Neighbor’s Bank Savings to the list at 4.75%. You have to enter your email and wait about a week to get an email from them to proceed with the application process.
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Quontic was 4.50%, now 4.25%
MyBankingDirect was 4.45%, now 4.40%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
MyBankingDirect was 4.45%, now 4.40%
Roger that. And I did, a big chunk. MBD is one of the few online banks that let you wire funds online. Just expect to get phone call confirmation.
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CIT Platinum Savings (4.30%) Promotion
Boost your savings when you open a new Platinum Savings account with the promo code PS2025.
To meet the promotion requirements, make one or more deposits within the 30-day period after you open a new account or enroll your existing Platinum Savings account. Only new funds deposited or transferred from outside of CIT Bank count toward bonus eligibility.
The Promotion begins on February 26, 2025 and can end at any time without notice.
Bonus Amount New deposits to Platinum Savings
$225 At least $25,000 (based on 60 day hold 0.90% x 6 = 5.40% + 4.30% = about 9.70%)
$300 At least $50,000 (based on 60 day hold 0.60% x 6 = 3.60% + 4.30% = about 7.90%)
https://www.cit.com/cit-bank/platinum-savings/ps2025
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OpenBank was 4.75%, now 4.40%
Northern Bank was 4.25%, now 4.00%
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Patriot Bank offer seems to have disappeared (again)
Brio was 4.55%, now 4.50%
Janius was 4.50%, now 4.20%
Republic was 4.30%, now 4.25%
Popular Direct was 4.30%, now 4.20%
Synchrony was 4.10%, now 4.00%
Laurel Road was 4.00%, now 3.80%
USAlliance was 3.90%, now 3.75%
Discover was 3.75%, now 3.70%
EmigrantDirect was 3.75%, now 3.50%
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Total Bank was 4.51%, now 4.47%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
CIT Platinum Savings (4.30%) Promotion
Boost your savings when you open a new Platinum Savings account with the promo code PS2025.
To meet the promotion requirements, make one or more deposits within the 30-day period after you open a new account or enroll your existing Platinum Savings account. Only new funds deposited or transferred from outside of CIT Bank count toward bonus eligibility.
The Promotion begins on February 26, 2025 and can end at any time without notice.
Bonus Amount New deposits to Platinum Savings
$225 At least $25,000 (based on 60 day hold 0.90% x 6 = 5.40% + 4.30% = about 9.70%)
$300 At least $50,000 (based on 60 day hold 0.60% x 6 = 3.60% + 4.30% = about 7.90%)
https://www.cit.com/cit-bank/platinum-savings/ps2025It’s a savings account with a 4.3% fixed rate? It’s been a very long time since I’ve had a regular savings account.
What’s the logic for a better return on the smaller amount?
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Patriot Bank MM is back but rate has dropped to 4.56%
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Brilliant was 4.50%, now 4.40%
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Vio Bank was 4.46%, now 4.41%
All America was 4.40%. now 4.25%
Redneck Bank was 4.40%. now 4.25%
Western Alliance Bank was 4.30%. now 4.25%
CIT Platinum was 4.30%, now 4.10%
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Marcus was 3.90%, now 3.75%
First Foundation was 4.50%, now 4.40%
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Roger Bank savings was 5% now 4.65%
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Vio was 4.41%, now 4.36%
Bread was 4.40%, now 4.35%
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State Bank of Texas Money Market was 4.65%, now 4.54%
Brilliant was 4.50%, now 4.40%
Total Direct was 4.47%, now 4.41%
Lending Club was 4.50%, now 4.40%
First Foundation was 4.50%, now 4.40%
Vio was 4.45%, now 4.36%
Brio Direct was 4.50%, now 4.35%
Newtek was 4.45%, now 4.35%
Bread was 4.40%, now 4.30%
Rising Bank was 4.40%, now 4.30%
Poppy Bank was 4.50%, now 4.25%
All America was 4.40%, now 4.25%
Redneck was 4.40%, now 4.25%
Bask was 4.35%, now 4.20%
CIBC was 4.21%, now 4.11%
CIT Platinum was 4.30%, now 4.10%
Live Oak was 4.20%, now 4.10%
Popular Direct was 4.20%, now 4.05%
Republic Chicago was 4.25%, now 4.04%
Virtual Bank was 4.25%, now 4.00%
MySavingsDirect was 4.10%, now 3.75%
Northern Direct was 4.00%, now 3.75%
Western State was 4.00%, now 3.75%
Dollar Savings Direct was 4.00%, now 3.75%
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Appears we have gone into hibernation
Not fun posting delines instead of increases.
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I thought the government tariffs are inflationary and so interest rates will go up, no?
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Hustl Financial (online division of Vantage West Credit Union) is offering 5% APY on the money market account
https://hustlfinancial.com/
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FYI - Earn up to a $1,500 bonus
https://www.capitalone.com/bank/bonus1500
Deposit Bonus
$20,000+ $300
$50,000+ $750
$100,000+ $1,500
Fund within 15 days
Hold for 90 days, so 1.50% is like 6.00% annual + 3.60% base = about 9.60%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
FYI - Earn up to a $1,500 bonus
https://www.capitalone.com/bank/bonus1500
Deposit Bonus
$20,000+ $300
$50,000+ $750
$100,000+ $1,500
Fund within 15 days
Hold for 90 days, so 1.50% is like 6.00% annual + 3.60% base = about 9.60%Maybe my math is off, but after the minimum 60 day deposit requirement, $100,000 would earn $2,100 which is about 12.6% annually.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
FYI - Earn up to a $1,500 bonus
https://www.capitalone.com/bank/bonus1500
Deposit Bonus
$20,000+ $300
$50,000+ $750
$100,000+ $1,500
Fund within 15 days
Hold for 90 days, so 1.50% is like 6.00% annual + 3.60% base = about 9.60%Maybe my math is off, but after the minimum 60 day deposit requirement, $100,000 would earn $2,100 which is about 12.6% annually.
It’s 90 days minimum but the way I look at this deal is that I’m losing about 0.8% or at most $230 for ~4-5 months since this earns 3.6% and I have the money earning 4.4% so making $1500 is a no brainer.
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Hold
Hold the deposit(s) in your account for 90 days after the 15-day Initial Funding Period ends.
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OK, I saw something about 60 days but that’s how long it takes to get the bonus.
