Best Nationally Available High APY Liquid Accounts
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
I pulled money out back in February with no problem.
Mine was within the last week, which triggered the call.
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Marcus: Savings 1.70%, NPCD 1.75%
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SoFi: 2.00%
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Vio Cornerstone Money Market was 1.85%, now 2.10%
UFB Direct Savings was 1.81%, now 2.21%
Total Direct was 1.50%, now 2.00%
Bask was 2.02%, now 2.20%
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Alliant CU was 1.40%, now 1.60%
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Ally: Savings 1.75%, NPCD 2.00%
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CFG BANK (2.55%) UPDATE
"Due to volume – effective 8/11 we have temporarily suspended online account applications. All applications submitted prior to 8/11 will be processed normally, but may experience some delays. The system will be back up shortly. We apologize for any inconvenience."
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
CFG BANK (2.55%) UPDATE
"Due to volume – effective 8/11 we have temporarily suspended online account applications. All applications submitted prior to 8/11 will be processed normally, but may experience some delays. The system will be back up shortly. We apologize for any inconvenience."I just got an email today saying thanks for opening an account. I guess I’m in after applying a week ago. Wonder if the hassle was worth it when another bank offers 2.75% next week.
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CIBC Agility Savings was 1.95% now 2.08%
Northpointe Banks MM was 1.75% now 2.15%
Northpointe Bank Savings was 1.75% now 2.15%
Citizen’s Savings was 1.75% now 2.10%
Ponce Bank MM was 1.75% now 2.50%
Sky One MM was 1.70% now 2.20%
Discover AAII Savings was 1.55% now 1.65%
Liberty Savings Bank Savings was 1.51% now 1.85%
Bank 7 Savings was 1.50% now 1.80%
Capital One 360 Savings was 1.50% now 1.70%
Discover Savings was 1.50% now 1.60%
Sallie Mae MM 1.50% now 1.75%
Marcus Savings was 1.50% now 1.70%
Popular Direct Savings was 1.45% now 1.55%
Amex Savings was 1.40% now 1.50%
Smarty Pig Savings was 1.40% now 1.65%
Rising Bank Savings was 1.30% now 1.60%
FNBO Direct Savings was 1.20% now 1.41%
Northern Bank Direct MM was 0.45% now 1.50%
Bank5 Connect Savings was 0.40% now 1.50%
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New rate leader - Ponce Bank MM 2.50% - since CFG Bank MM 2.55% has temporarily suspended applications for new accounts.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
New rate leader - Ponce Bank MM 2.50% - since CFG Bank MM 2.55% has temporarily suspended applications for new accounts.
Don’t get too excited. When I applied, their identity verification denied me and they wouldn’t open an account manually.
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@jtownsucks46
NASB (2.53%) had online application yesterday. gone today.
I guess they were flooded and had to suspend, too !
https://www.nasb.com/
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46
NASB (2.53%) had online application yesterday. gone today.
I guess they were flooded and had to suspend, too !
https://www.nasb.com/When I checked them before their accounts weren’t available nationwide(despite their name indicating they should be!)
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Barclays: 1.80%
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Credit Karma Money Save 1.98%
Banking services provided by MVB Bank, Inc., Member FDIC.
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Synchrony was 1.65%, now 1.80%
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UFB Direct is playing games again.
If you currently have the UFB Direct Saving account (old), it still pays only 1.81%
The (new) UFB Direct Rewards Saving account now pays 2.21%
You have to ask them to convert “Savings” to "Reward Savings"
Account numbers stay the same, but you get new higher rate,UFB, along with CIT and Popular Direct, are known for creating
"new" accounts and leaving “old” accounts at the old lower rate.
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Valley Direct Savings was 2.10% now 2.20%
Liberty Savings Bank Savings was 1.85% now 2.50%
Quontic Savings was 1.85% now 2.05%
All America Bank Checking was 1.75% now 2.25%
Redneck Bank Checking was 1.75% now 2.25%
Discover AAII Savings was 1.65% now 1.75%
Discover Savings was 1.60% now 1.70%
Rising Bank Savings was 1.60% now 2.10%
Popular Direct Savings was 1.55% now 1.75%
SFGI Direct Savings was 1.51% now 1.81%
American Express Savings was 1.50% now 1.65%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Liberty Savings Bank Savings was 1.85% now 2.50%
Where do you get that from? I see https://value.libertysavingsbank.com/cd-rate-watcher
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@atikovi "Liberty Savings Bank: High-yield Savings Account | SaveBetter"
https://www.savebetter.com/bank/liberty-savings-bank/liberty-savings-bank-high-yield-savings-account
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@atikovi “Liberty Savings Bank: High-yield Savings Account | SaveBetter” https://www.savebetter.com/bank/liberty-savings-bank/liberty-savings-bank-high-yield-savings-account
Looks like the same outfit opening accounts for Ponce Bank.
Sorry, there was a problem verifying your identity using the information you provided. We cannot complete your registration at this time.
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Republic Bank Chicago 2.26%
Edited: Not nationwide, all states except IL, IN, MI, and WI.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank Savings was 1.90% now 2.15% - not available in California
Now 2.30%
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Apologies if this was already posted. I don’t know target audience other than having a brokerage account.
link
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
Looks like the same outfit opening accounts for Ponce Bank.
Yes, Savebetter for Liberty Savings Bank, mph Bank, Patriot Bank, Ponce Bank, SkyOne FCU, and State Exchange Bank
I opened an account, but the issue I have now is they only allow one (1) external bank link, so I have a funding issue.
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UPDATE: CFG 2.55%
Online account openings have resumed.
Please note, you may experience a delay in the processing of your account application,
but we will work to process your application as quickly as possible.
Rates are subject to change.
https://www.cfg.bank/personal-banking/personal-deposit-rates/
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I called them last night at 9:30 and left a message about not getting my account number after a week. Surprise surprise 10 minutes later I get a call back from a human saying they will email tomorrow the info. Sure enough, they did.
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CIT Connect was 1.90% now 2.10%
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Ally Bank Savings was 1.75% now 1.85%
Sallie Mae MM was 1.75% now 1.85%
Capital One 360 Savings was 1.70% now 1.75%
FNBO Savings was 1.41% now 1.65%
CIT Bank MM was 1.30% now 1.40%
CIT Bank Savings Builder was 0.80% now 0.85%
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TotalDirectBank has 2.60% APY now but for some reason Florida residents can’t apply hmm
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@intel said in Best Nationally Available High APY Liquid Accounts:
TotalDirectBank has 2.60% APY now but for some reason Florida residents can’t apply hmm
Online application is screwed up. Declined me because, For the identity verification questions, applicants must correctly answer at least 4 out of 5 questions. But it never showed me any questions to answer.
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@intel Sometimes banks only offer online accounts to out-of-state depositors
I guess they can pay their in-state customers much lower rates.
"TotalDirectBank by TotalBank is a registered Trademark of City National Bank of Florida "
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Live Oak was 1.75%, now 2.00%
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American Express Savings was 1.65% now 1.75%
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Vio Bank MM was 2.10% now 2.15%
Prime Alliance Bank Savings was 2.05% now 2.26%
State Exchange Bank Savings was 2.00% now 2.35%
Tab Bank Savings was 1.92% now 2.16%
Smarty Pig Savings was 1.65% now 1.70%
Colorado Savings Bank Savings was 1.45% now 1.75%
National Cooperative Bank MM was 1.01% now 1.16%
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Alliant Credit Union was 1.60% now 1.70%
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Synchrony Bank Savings was 1.80% now 2.05%
TIAA Bank MM was 1.20% now 1.60%
Varo Savings was 1.20% now 2.00%
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Ally Savings rate increasing to 2.00% APY as of 9/02.
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Discover AAII Savings was 1.75% now 1.85%
Discover Savings was 1.70% now 1.80%
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UFB Rewards Savings was 2.21%, now 2.61%
Brilliant Bank Money Market 2.61%
(except Arkansas, Kansas, Missouri, and Oklahoma)
https://www.brilliant.bank/saving/
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For anyone looking at Brilliant Bank, they are nationwide with the exception of Arkansas, Kansas, Missouri, and Oklahoma.
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SkyOne was 2.20%, now 2.75%
Axiom Bank (new) is 2.50%
Both are through Savebetter
Also, a 3.00% No penalty 36 month CD from Ponce Bank is offered.
https://www.savebetter.com/explore-products
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Opened an account with SkyOne through SaveBetter and received these notifications,
**Banking services provided by Central Bank of Kansas City. Each customer authorizes the Custodian Bank to hold the customer’s funds in a custodial capacity in order to facilitate the customer’s deposits to and withdrawals from deposit accounts at various Product Banks that the customer requests through SaveBetter.com. The Custodian Bank does not establish the terms of the deposit accounts, or offer the deposit accounts to customers, and provides no advice to customers about deposit accounts. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Custodian services are provided by Central Bank of Kansas City and Lewis and Clark Bank.
You received this e-mail because you opened an account with SaveBetter.com.
We maintain strict security standards and procedures to protect your information and privacy. SaveBetter will never contact you by e-mail or otherwise to ask you to provide personal information such as your Username, Password, SMS pin code or personal information. Phone scams are common, call back to Customer Service number on published on the web site if you need to provide sensitive information.
If you receive such a request, please call our Customer Service team at 844-994-EARN (3276).
© 2022 Raisin US LLC. All rights reserved.
85 Broad Street, New York, NY 10004
The SaveBetter name and logo are trademarks of Raisin US LLC, used with permission.**
So this is actually Central Bank of Kansas City? What is SkyOne in this mix? Is the account insured by FDIC or NCUA as on the SkyOne website?
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Marcus was 1.70%, now 1.90%
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@atikovi
It appears your funds are deposited at SkyOne Federal Credit Union, NCUA insured.
Central Bank of Kansas City acts as Custodian Bank on behalf of SaveBetter
to move you funds in/out of the several banks and credit unions they sponsor.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Marcus was 1.70%, now 1.90%
NPCD=1.95%. I thought they would at least match Ally.
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One thing not mentioned before with SaveBetter is you can only initiate ACH transfers, in or out, through SaveBetter, not through your external account. SaveBetter wouldn’t even tell me my account number or routing number. And you can only have ONE external account so be sure the one you use initially to transfer money is the one you always want to use as it can’t be changed for 60 days. On the plus side, they said there is no dollar maximum that can be transferred daily or monthly.
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Vio Bank MM was 2.15% now 2.22%
Patriot Bank MM was 2.05% now 2.25%
Sallie Mae MM was 1.85% now 2.05%
iGo Banking MM was 1.85% now 2.15%
Bank Purely MM was 1.85% now 2.15%
SFGI Direct Savings was 1.81% now 2.01%
Barclays Bank Savings was 1.80% now 2.00%
Capital One Bank Savings was 1.75% now 1.90%
Paramount Bank Checking was 1.55% now 2.00%
Dollar Savings Direct was 1.40% now 2.00%
My Savings Direct was 1.00% now 1.50%
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@atikovi
Found out a few weeks ago,
“the issue I have now is they only allow one (1) external bank link, so I have a funding issue.”
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Bask was 2.20%, now 2.53%
First Foundation was 2.02%. now 2.25%
