Best Nationally Available High APY Liquid Accounts
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Synchrony Bank HYS 2.00% (was 2.15%)
Barclays 2.00% (was 2.10%)
Discover AAII 1.95% (was 2.05%)
Discover OSA 1.90% (was 2.00%)
Self Help CU 1.58% (was 1.69%)CIT Money Market Account seems to be unavailable.
P.S. Went through entire list to check all rates.
Thanks so much - table is updated. Also Investor’s Access dropped from 2.2 to 2.1
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CIT Savings Builder 2.20% (was 2.30%)
https://www.cit.com/cit-bank/bank/savings/savings-builder-account/
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Live Oak Bank lowered the saving rate to 2.15% (from 2.30%) in the last few days.
https://www.liveoakbank.com/personal-banking/
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My Savings Direct down to 2.25%
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TotalDirectBank Money Market Account: 2.35% APY
A $50,000 minimum deposit is required to open an account and earn the advertised APY.
https://www.totaldirectbank.com/personal/money-market-accounts
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
TotalDirectBank Money Market Account: 2.35% APY
A $50,000 minimum deposit is required to open an account and earn the advertised APY.
https://www.totaldirectbank.com/personal/money-market-accountsThis one technically isn’t nationwide as Floridians and Californian’s are excluded.
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@jtownsucks46 sorry. missed the fine print buried in the FAQ.
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Rate increased from 2.00% to 2.15% with bonuses available
Open a new Simple Account by 10/31/2019 4:59 PM PT.
Earn $250
Deposit(s) totaling $10,000 or more must post to the new Account by 11/15/2019 4:59 PM PT.
Maintain a balance of at least $10,000 through 1/31/2019 4:59 PM PT.Earn $500
Deposit(s) totaling $20,000 or more must post to the new Account by 11/15/2019 4:59 PM PT.
Maintain a balance of at least $20,000 through 1/31/2019 4:59 PM PT.
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@l_tiger
A new email was received that Live Oak Bank lowered the saving rate to 2.00% (from 2.15%).
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Marcus 1.90% (was 2.00%)
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MySavingsDirect down to 2.10% from 2.25%.
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Barclays 1.90% (was 2.00%)
https://www.banking.barclaysus.com/online-savings.html
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Brio Direct 2.30% (was 2.46%)
https://www.briodirectbanking.com/high-yield-savings/
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Popular Direct Ultimate Savings 2.30% (was 2.40%)
https://www.populardirect.com/products/savings/popular-direct-ultimate-savings
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Vio Bank 2.27% (was 2.42%)
https://www.viobank.com/
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thanks @goldsheet @john99 and @l_tiger the chart has been updated.
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Synchony 1.90% (was 2.00%)
https://www.synchronybank.com/
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2.40% APY, $1K minimum, new money only
https://firstfoundationinc.com/personal-banking/bank/online-savings
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Purepoint down to 1.80% from 2.00% APY.
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All American and Redneck 2.25% (was 2.40%)
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Popular Direct Ultimate Savings 2.15% (was 2.30%)
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
2.40% APY, $1K minimum, new money only
https://firstfoundationinc.com/personal-banking/bank/online-savingsAny experience here?
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@paazel I have them…their only drawback is extremely low ach limits on their system…However you can Push or Pull from other banks with no limitations…The rate is great and the Online Banking and Customer Service is extremely good…
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Table updated 11/2/19. Lots and lots of rate drops unfortunately. Keep in mind there are a few accounts that are either not nationally available or have a few hoops to jump through still paying at or above 2% that may be good options for some people:
Fitness Bank 2.60%
https://www.fitnessbank.fit/Total Direct Bank 2.35%
https://www.totaldirectbank.com/personal/money-market-accountsCiti Accelerate 2.05%
https://banking.citi.com/cbol/savings/high-yield-savings/Default.htm?BT_TX=1&ProspectID=9E555378D09849399315D7D57353D1ECPNC HIgh Yield Savings 2.00%
https://www.pnc.com/en/personal-banking/banking/savings/high-yield-savings.html
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Regarding PNC, they have a Virtual Wallet product that has a Growth category for savings.
The current rate is 2.15%
If you have one of their credit cards and make 5 monthly purchases the rate goes to 2.20%
PNC Cash Rewards is a good card (Earn 4% on gas station purchases, Earn 3% on dining purchases at restaurants, including fast food, Earn 2% on grocery store purchases, Earn 1% on all other purchases)These products are only available outside their service area (not nationally), but I just thought I would let you know.
https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html
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Perhaps I missed it here but Ally just sent me an e-mail:
Starting 11/13/2019, the Annual Percentage Yield (APY) on your Online Savings Account is changing from 1.80% APY to 1.70% APY. It will show online in your account details on 11/14/2019.
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Brio Direct just reduced the rate on their savings account to 2.2%
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Marcus 1.70% (was 1.90%)
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First Foundation Online Savings drops to 2.00% from 2.40% but, To show our appreciation to our early online savings clients like you, we will be keeping your online savings rate at 2.40% Annual Percentage Yield (APY) as we lower the rate for new accounts.
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Just received an email from LiveOakBank. The rate for savings account is lowered to 1.85% (from 2.00%).
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@l_tiger said in Best Nationally Available High APY Liquid Accounts:
Just received an email from LiveOakBank. The rate for savings account is lowered to 1.85% (from 2.00%).
Thanks! Their website doesn’t even reflect this yet.
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CFG High Yield Money Market
2.15% $1,000.00 - $24,999.99
2.30% $25,000.00+
Rates Effective November 13, 2019
https://www.thecfgbank.com/deposit-rates
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MySavingsDirect down to 1.90% from 2.00%.
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This post is deleted!
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CFG High Yield Money Market
https://www.thecfgbank.com/deposit-rates
Rates Effective December 11, 2019
2.10% (was 2.15%) $1,000.00 - $24,999.99
2.25% (was 2.30%) $25,000.00+
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Brio 2.10% (was 2.20%) https://www.briodirectbanking.com/high-yield-savings/
Simple 1.90% (was 2.15%) https://www.simple.com/online-banking/high-yield-accounts
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Patriot Bank Money Market 2.26% APY
No fees, No minimum balance, $100 to open
Promotional Rate is guaranteed until 06/30/2020
https://bankpatriot.com/mm/money-market.html
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Patriot Bank Money Market dropped to 2.00% already (was2.26%)
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CFG <25K 2.05% (was 2.10%) >25K 2.15% (was 2.25%)
Brio Direct 2.05% (was 2.10%)
HSBC 2.00% (was 2.05%)
Both UFB accounts down to 1.90% (were 2.00%)
Vio Bank 1.95% (was 2.02%)
TAB Bank 1.90% (was 2.10%)
Comenity Direct 1.90% (was 2.00%)
WebBank 1.86% (was 1.95%)
Northpointe both accounts 1.85% (was 1.95%)
Bank 7 1.76% (was 1.91%)
MySavingsDirect 1.80% (was 1.90%)
CIT Bank Savings Builder 1.80% (was 1.85%)
Wealthfront Cash 1.78% (was 1.82%)
State Farm Bank 1.75% (was 1.85%)
Synchrony Bank 1.70% (was 1.80%)
Northfield Bank Platinum Savings 1.65% (was 1.90%)
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
CFG <25K 2.05% (was 2.10%) >25K 2.15% (was 2.25%)
Brio Direct 2.05% (was 2.10%)
HSBC 2.00% (was 2.05%)
Both UFB accounts down to 1.90% (were 2.00%)
Vio Bank 1.95% (was 2.02%)
TAB Bank 1.90% (was 2.10%)
Comenity Direct 1.90% (was 2.00%)
WebBank 1.86% (was 1.95%)
Northpointe both accounts 1.85% (was 1.95%)
Bank 7 1.76% (was 1.91%)
MySavingsDirect 1.80% (was 1.90%)
CIT Bank Savings Builder 1.80% (was 1.85%)
Wealthfront Cash 1.78% (was 1.82%)
State Farm Bank 1.75% (was 1.85%)
Synchrony Bank 1.70% (was 1.80%)
Northfield Bank Platinum Savings 1.65% (was 1.90%)Thanks @goldsheet!!! Table is updated.
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everyone has overlooked the Customers Bank Ascent MM account. 2.26 % guaranteed thru 6/30/20. Min 25k. No max. I moved my funds from Northern Direct…was 2.50 for 7 months and now 1.75. All I did was open Customers Acct online and mailed them 2 checks. Posted 2 days after mailing.
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https://www.marcus.com/us/en/savings/osa-savingsbonus-1
$100 bonus for depositing $10,000 for 60 days.
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@barrytuneup said in Best Nationally Available High APY Liquid Accounts:
everyone has overlooked the Customers Bank Ascent MM
At the top of the list. not overlooked.
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No longer at top of the list
Customers Bank 1.95% (was 2.25%)
https://www.customersbank.com/ascent/
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
No longer at top of the list
Customers Bank 1.95% (was 2.25%)
https://www.customersbank.com/ascent/That’s for new accounts. Existing accounts should be 2.25% until 6/30.
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@atikovi Can’t even open an Ascent Account anymore
"Although we are no longer accepting applications for the Ascent Money Market Savings Account, newcomers looking to grow their savings quickly have a proven option. Our High-Yield Savings Account is currently paying 1.95% APY*"
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Salem eOne Savings 1.85% (was 1.91%)
https://www.salemfivedirect.com/#eonesavings
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Vio Bank 1.85% (was 1.95%)
https://www.viobank.com/online-savings-account
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Virtual Bank 1.80% (was 1.87%)
https://www.virtualbank.com/rates
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CIBC NEW CLIENT SPECIAL OFFER
CIBC Agility™ Online Savings Account
https://us.cibc.com/en/agility/agility-savings.html
Earn $200 when you deposit at least $25,000
Earn $400 when you deposit at least $50,000
Offer ends March 16, 2020
Earn 1.85% APY on your account.REQUIREMENTS
- Open a new CIBC Agility Savings Account by March 16, 2020, and make your deposit within 15 days of opening your account.
- Sign up for online eStatements within 15 days of opening your account, available through CIBC US Online Banking.
- Keep the money in your account for 120 days.
