Best Nationally Available High APY Liquid Accounts
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DECREASE: My eBank SuperSaver Money Market Account was 4.08%, now 3.67% ($100,000+ tier)
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First Foundation was 3.60%, now 4.00%
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Valley Direct Savings was 3.60% now 4.00%
Ivy Bank Savings was 3.50% now 3.90%
Liberty Savings Bank Savings was 3.50% now 3.85%
mph Bank MM was 3.50% now 3.85%
CIBC Savings was 3.27% now 3.37%
Rising Bank Savings was 3.25% now 3.50%
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NEW: Great Lakes Credit Union Money Market Deposit Account 4.03%
Federally insured by NCUA. No fees. $1 minimum to open.
via SaveBetter platform
https://www.savebetter.com/credit-unions/great-lakes-credit-union/money-market-deposit-account
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW: Great Lakes Credit Union Money Market Deposit Account 4.03%
Federally insured by NCUA. No fees. $1 minimum to open.
via SaveBetter platform
https://www.savebetter.com/credit-unions/great-lakes-credit-union/money-market-deposit-accountThanks; added to list.
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Lending Club High Yield Savings was 3.25%, now 3.60%
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INFORMATION ONLY: NOT NATIONWIDE, SELECT MARKETS ONLY
PNC High Yield Savings 4.00% APY
You can check your zip code here:
(shows my zip code, change to yours for your rate)
https://www.pnc.com/en/rates/savings/92057/NAIf you are not a PNC customer already, they have some decent bonuses
(availability depends on location / zip code - YMMV)
https://www.hustlermoneyblog.com/pnc-bank-promotions/
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PNC has a high yield savings account yielding 4%. It looks like the rate is only available in certain markets. No minimum to open the account.
https://www.pnc.com/en/personal-banking/banking/savings/high-yield-savings.html#
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Email from NASB received today:
At NASB, we actively monitor market conditions and other factors to make sure we are delivering competitive rates. This new, higher rate is something to celebrate!
Premium Rate Savings
3.82% APY*Your rate increase is effective and will be reflected in your online banking tomorrow.
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@platypus Looks like we had same idea on PNC.
Rate excellent and signup bonuses make it better, if qualified.
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CFG was 4.00%, now 4.05%
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The current rate for Bask Interest Savings Accounts is 4.03% APY as of Tuesday, December 13, 2022.
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Vio Bank MM was 3.62% now 4.01%
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@goldsheet Where did you find signup bonuses for PNC? TIA
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You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet.
The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet.
All details at link below
https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-vw-tiered-offer.html
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Great Lakes CU MM was 4.03% now 4.10%
UFB Direct Savings was 3.91% now 4.11%
UFB Direct MM was 3.91% now 4.11%
Popular Direct Savings was 3.56% now 4.01%
Synchrony Bank Savings was 3.25% now 3.50%
USAlliance Financial Savings was 3.00% now 3.25%
Capital One Savings was 3.00% now 3.30%
Vio Bank Savings was 1.00% now 1.10%
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@jtownsucks46
They did it again
NEW: UFB Best Savings is 4.11%
OLD: UFB High Rate Savings is still 3.91% (no change)
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Merchant’s Bank MM was 3.82% now 4.08%
My eBanc MM was 2.48% now 2.99%(balances 100k and below)
My eBanc MM was 3.67% now 4.18%(balances above 100k)
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NEW: B1Bank 3.80%
https://www.b1bank.com/onlinesavings
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW: B1Bank 3.80%
https://www.b1bank.com/onlinesavingsThanks; added.
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Ally was 3.00%, now 3.30% (12/16/2022)
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Ally was 3.00%, soon 3.30%
(think email said tomorrow)NPCD=3.50%
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MySavingsDirect Savings was 3.90% now 4.35%
Third Coast Bank Savings(via SaveBetter) was 3.70% now 4.13%
CIT Bank Savings Connect was 3.60% now 3.85%
Ally Bank Savings was 3.00% now 3.30%
Barclays Bank Savings was 3.00% now 3.40%
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Wealthfront savings up to 3.8% today. From their email:
Today, we raised the Cash Account’s APY for the 7th time in 2022, and just like all those other increases, it means more money for our clients! We’re proud to offer one of the best rates in the industry at 3.80% — more than 75x higher than some big banks we know.
Now’s a great time to check in with your money to make sure none of it is sitting in a low-earning account.
With a Cash Account at Wealthfront, you’ll earn 3.80% APY on all your cash, you’ll never pay account or overdraft fees, you’ll enjoy unlimited fee-free transfers, and your money will be backed by FDIC insurance — which we recently doubled to $2 million through our partner banks.
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@jtownsucks46 Just a caveat - looks like MySavingsDirect only allows for one checking account to be linked for initial funding. After 60 days, another checking account can be linked. Wish they would allow transfers from other savings accounts. Great rate, though!
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@platypus Situation is even worse. You can only deposit ACH externally not withdraw. I emailed them and they said:
Thank you for contacting MySavingsDirect We truly appreciate this opportunity to assist you.
MYSavingsDirect will accept third-party deposits into an established savings account.
Your employer/financial institution will ask for your MySavings account number and routing number.
Please keep in mind, while a third-party may make deposits into your MySavings account, they will not be permitted to make withdrawals out of the account.
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@goldsheet said
Please keep in mind, while a third-party may make deposits into your MySavings account, they will not be permitted to make withdrawals out of the account.
Are you sure third-party is the same as ACH withdrawals
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I just noticed MSD is a division of Emigrant Bank. So is Dollar Savings Direct. Why wouldn’t DSD match that rate?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said
Please keep in mind, while a third-party may make deposits into your MySavings account, they will not be permitted to make withdrawals out of the account.
Are you sure third-party is the same as ACH withdrawals
I posted the exact reply they gave to my email. I don’t know any more. I suggest you call them for clarification
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MySavingsDirect MySavings Account now at 4.35% APY with $1 minimum initial deposit. Available nationwide.
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@turtlebug said in Best Nationally Available High APY Liquid Accounts:
MySavingsDirect MySavings Account now at 4.35% APY with $1 minimum initial deposit. Available nationwide.
Lots of potential issues and headaches with this account, as discussed above.
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CFG was 4.05% now 4.15%
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Popular Direct Savings was 4.01% now 4.11%
Ivy Bank Savings was 3.90% now 4.05%
Personal Capital Cash Management was 3.35% now 3.85%
ConnectOneBank Savings was 3.25% now 3.90%
Quontic Bank Savings was 3.20% now 3.50%
Betterment Cash Reserve was 3.20% now 3.75%
SFGI Direct was 3.01% now 3.26%
Colorado Federal Savings Bank was 2.80% now 3.00%
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Republic Bank Digital MM was 4.00% now 4.25%
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Discover AAII Savings was 3.05% now 3.35%
Discover Savings was 3.00% now 3.30%
Marcus by GS Savings was 3.00% now 3.30%
PenFed CU Savings was 2.00% now 2.30%
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All America and Redneck were 4.00%, now 4.25%
(up to $75,000 in each)
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Synchrony was 3.50% now 3.74%
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Alliant CU Savings was 2.60% now 2.70%
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The State Exchange Bank(via SaveBetter) was 3.60% now 4.00%
BankPurely MM was 3.50% now 3.00%
CIBC Savings was 3.37% now 3.62%
PrimeAlliance Savings was 3.25% now 3.65%
First Internet Bank Savings was 3.04% now 3.35%
American Express Savings was 3.00% now 3.30%
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American First CU was 4.00% now 4.15%
Sallie Mae MM was 3.20% now 3.40%
Bank7 Savings was 3.00% now 3.30%
Virtual Bank MM was 2.84% now 3.30%
National Cooperative Bank MM was 1.16% now 1.66%
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MyBankingDirect was 3.55%, now 4.05%
Vanguard Cash Plus (pilot program) was 3.50%, now 3.90%
PurelyMoneyMarket was 3.00%, now 3.50%
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Popular Direct Savings was 4.11% now 4.16%
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@jtownsucks46 Limitation with the Popular Direct savings account -
“You may only have one linked external account at a time, and you must wait at least 60 days between changes. If you are a new customer, this timer started after you successfully linked the external account that you used to fund your first Popular Direct product.”
These restrictions on external accounts, ACH transfers in/out, etc. pretty much kill the deal for me. Seems like they’d attract more depositors if they were more flexible.
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My Banking Direct Savings was 3.55% now 4.05%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
My Banking Direct Savings was 3.55% now 4.05%
Three posts back up
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Live Oak was 3.10%, now 3.50%
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Ally doesn’t have the highest rates but I thought I’d share this from an email that shows how much rates of increased this year.
"Fun fact: In 2022 our Online Savings Account rate increased 18 times, from 0.50% APY to 3.30% APY. "
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Juno Finance: Earn 5% on up to $25,000 (was $10,000)
https://juno.finance/
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Ivy Bank Indexed Savings was 3.84% now 4.03%
Western Bank MM was 3.50% now 4.25%
Bank Purely Index MM was 3.46% now 3.90%
iGo Banking Index MM was 3.46% now 3.90%
TIAA Bank MM was 3.00% now 3.35%
CommunityWide Hi Rate Monthly was 2.00% now 3.50%
Self Help CU MM was 1.89% now 2.14%
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Two new financial institutions with Savings/MM accounts on the savebetter platform:
Western Alliance Bank Savings 4.23%
The Atlantic FCU MM 4.10%
