Best Nationally Available High APY Liquid Accounts
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Ponce was 0.75%, now 1.75%
Synchrony High Yield Savings was 1.10%, now 1.40%
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Ally savings and NPCD: 1.15%
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PenFed from 0.75% to 1.00%
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CFG Bank High Yield Money Market was 1.65%, now 1.72%
Quontic High Yield Savings was 1.58%, now 1.70%
mph Bank High Yield Money Market was 1.35%. now 1.45%
iGO Money Market was 1.30%, now 1.50%
Lending Club High Yield Savings was 1.26%, now 1.52%
Liberty Savings Bank was 1.06%, now 1.25%
http://www.rejohnsonjr.com/SAVINGS.HTM
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 1.15% now 1.80%
Just noticed it says “$25k” to open, should be “Open with just $25”No balance limit to get the 1.80% rate? I don’t see that mentioned on their website.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 1.15% now 1.80%
Just noticed it says “$25k” to open, should be “Open with just $25”No balance limit to get the 1.80% rate? I don’t see that mentioned on their website.
What bank and link is for 1.80%???
TY!!!
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@alanmax said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 1.15% now 1.80%
Just noticed it says “$25k” to open, should be “Open with just $25”No balance limit to get the 1.80% rate? I don’t see that mentioned on their website.
What bank and link is for 1.80%???
TY!!!Google is your friend - https://www.briodirectbanking.com/high-yield-savings/
I just signed up yesterday. Moving some money around to move the bulk of my money there.
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Discover Online Savings was 1.10%, now 1.20%
Discover AAII Online Savings was 1.15%, now 1.25%
Live Oak Bank was 1.00%, now 1.40%
T-Mobile MONEY was 1.00%, now 1.50%
CIT Savings Connect was 1.35, now 1.65% APY
All bank URLs (including Brio @ 1.80%) on my page at:
http://www.rejohnsonjr.com/SAVINGS.HTM
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Ponce was 0.75%, now 1.75%
Getting this nonsense while trying to sign up and contacting CSR is useless.
**Sorry, there was a problem verifying your identity using the information you provided. We cannot complete your registration at this time.
If you would like to retry, please contact SaveBetter customer service.**
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Quontic was 1.70% now 1.85%
UFB MM and Savings were 1.66% now 1.81%
Alliant 1.05% now 1.20%
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Ally savings and NPCD: 1.25%
Barclays: 1.40%
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CIBC Agility™ Online Savings Account has increased to 1.52% APY.
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Patriot Bank Money Market was 1.45% now 1.65%
State Exchange high Yield Savings was 1.40% now 1.60%
Vio Money Market was 1.30% now 1.65%
Paramount Checking was 1.00% now 1.25%
American Express Savings was 1.00% now 1.15%
Vio High Yield Savings was 0.60% now 0.75%AND OUR FIRST ACCOUNT BREACHING 2%!!!
My Banking Direct High Yield Savings was 1.25% now 2.00%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
My Banking Direct High Yield Savings was 1.25% now 2.00%
Have to open another account !
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I opened and funded the account on July 7th. I have a linked external account, but when I try to transfer some of my money out of my Bread account into an external account, no matter what amount I put, I get the error, “That’s more than you have to transfer!” Even trying $1 gives that error. Is there a reason I can’t transfer any amount of money out? I sent them a message, but anyone here know if they have some limit where the money has to stay in your account?
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@mtnagel said in Best Nationally Available High APY Liquid Accounts:
I opened and funded the account on July 7th. I have a linked external account, but when I try to transfer some of my money out of my Bread account into an external account, no matter what amount I put, I get the error, “That’s more than you have to transfer!” Even trying $1 gives that error. Is there a reason I can’t transfer any amount of money out? I sent them a message, but anyone here know if they have some limit where the money has to stay in your account?
To answer my own question. It turns out there is a 10 business day hold for accounts <30 days old. That gets reduced to 5 business days for older account. Kind of annoying, but it is what it is. I just wish they were more upfront with it. Here was their exact response:
Within the first 30 days following account opening, all deposits will have a 10 business day hold applied. Please note that this hold does not apply to direct deposits initiated by your external financial institution or wire deposits.
Following the 30 day new account period, the hold for electronic deposits initiated by Bread Savings (via telephone or through your online banking) will decrease to 5 business days. The hold time for deposits by check will remain at 10 business days.
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CIBC 1.66%
New #1. Bask Bank 2.02%
http://www.rejohnsonjr.com/SAVINGS.HTM
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Got an email today from Bask Bank - their rates went up to 2.02%
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Three-way tie for #1
Mybankingdirect (NYCB) just bumped from 2.00% to 2.02%
and mph bank just matched Bask at 2.02%
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CFG was 1.72%, now 1.87%
Ivy was 1.70%, now 1.90%
(Available in all states except California)
SkyOne was 1.40%, now 1.70%
All America and Redneck were 1.35%, now 1.75%
TAB was 1.26%, now 1.68%
USA Alliance was 1.25%, now 1.75%
Citizens Access was 1.25%, now 1.75%
http://www.rejohnsonjr.com/SAVINGS.HTM
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New #1
CFG was 1.87%, now 2.05%
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Thanks @goldsheet for all the updates. Table is updated with those updates and these:
Synchrony was 1.40% now 1.65%
Discover AAII Savings was 1.25% now 1.35%
Discover Savings was 1.20% now 1.30%
Rising Bank Savings was 1.20% now 1.30%
FNBO Savings was 1.00% now 1.20%
Connect One Savings was 1.00% now 1.25%
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State Exchange Bank was 1.60%, now 2.00%
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Brio DIrect was 1.80%, now 2.15%
Lending Club was 1.52%, now 2.07%
Vio Cornerstone was 1.65%. now 1.85%
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Ally: Savings 1.40%
Marcus: Savings 1.50%, NPCD 1.55%
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CIT Savings Connect was 1.65%, now 1.90%
Salem 5 was 1.01%, now 1.65%
Liberty Savings Bank was 1.25%, now 1.51%
Capital One 360 was 1.20%, now 1.30%
American Express was 1.15%, now 1.25%
PenFed was 1.00%, now 1.20%
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Thanks for the updates! Here are some additional updates:
CFG Bank MM was 2.05% now 2.10%
Merchants Bank of Indiana Savings was 1.51 now 2.28%
Wealthfront Cash Account was 1.40% now 2.00%
Etrade Savings was 1.40% now 2.00%
Paramount Checking was 1.25% now 1.55%
SFGI Direct Savings was 1.21% now 1.51%
Sallie Mae MM was 1.20% now 1.50%
CIT Bank MM was 1.00% now 1.30%
CIT Bank Savings Builder was 0.70% now 0.80%
Virtual Bank MM was 0.40% now 1.00%
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@jtownsucks46 Merchants is definitely the highest rate I’ve seen so far, but I have an account with them & it’s very difficult to maintain. It’s hard for me to transfer funds in, because my bank (BofA) charges a fee to transfer to an outside bank account. I realize that’s not the case for everyone, but just be aware of this. The info I got from Merchant’s a few months ago is as follows:
There are three ways that you can transfer to and from your account with us:
1.Wire transfer ( We will refund our wire fee in or out. You will just need to let me know that you are doing a wire so I can refund it)
- ACH ( You would need to initiate it through the financial institution that you are moving the funds from or to)
- Check. (You can mail a check to us and we will deposit it for you or you can write a check to move funds to you other financial institution)
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Great thread! Thanks for maintaining it.
We are trying to open a Joint savings / MMKT account. Does anyone have a list of which banks offer Joint accounts?Some banks have FAQs online that state whether they do or do not (e.g. E*Trade and Bask Bank) offer Joint accounts.
However, other banks, such as Merchants Bank of Indiana, do NOT have FAQS / do not state up front whether they offer Joint accounts or not.
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@platypus said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 Merchants is definitely the highest rate I’ve seen so far, but I have an account with them & it’s very difficult to maintain. It’s hard for me to transfer funds in, because my bank (BofA) charges a fee to transfer to an outside bank account. I realize that’s not the case for everyone, but just be aware of this. The info I got from Merchant’s a few months ago is as follows:
There are three ways that you can transfer to and from your account with us:
1.Wire transfer ( We will refund our wire fee in or out. You will just need to let me know that you are doing a wire so I can refund it)
- ACH ( You would need to initiate it through the financial institution that you are moving the funds from or to)
- Check. (You can mail a check to us and we will deposit it for you or you can write a check to move funds to you other financial institution)
I didn’t know there were any banks that charged for ACH transfers - that’s wild that BOA does that!!!
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Still a few that charge for ACH, often inbound free, outbound for a fee.
Salem Five did this a long time ago.
I had an account (First Citizens) I wanted to close, but outbound
ACH was $1.50, so I just used free billpay to zero out the account.https://www.mybanktracker.com/checking/faq/ach-transfer-fees-290332
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My Banking Direct High Yield Savings was 2.02%, now 2.20%
Tab Bank was 1.68%, now 1.92%
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Bread was 1.65% now 2.15%
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In addition to @goldsheet 's above updates:
CFG Money Market was 2.10% now 2.30%
MyBanking Direct Savings was 2.02% now 2.20%
Barclays Savings was 1.40% now 1.65%
Discover AAII Savings was 1.35% now 1.55%
Discover Savings was 1.30% now 1.50%
Northpointe Bank Savings was 1.25% now 1.75%
Northpointe Bank Money Market was 1.25% now 1.75%
Alliant Savings was 1.20% now 1.40%
Popular Direct Savings was 1.15% now 1.45%
Smarty Pig Savings was 1.15% now 1.40%
Betterment Cash Reserve was 1.10% now 1.60%
TIAA Money Market was 0.90% now 1.20%
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Ivy Bank Savings was 1.90% now 2.15% - not available in California
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Patriot was 1.65 now 2.05
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First Foundation was 1.65%, now 2.02%
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IGO was 1.50%, now 1.85%
Capital One 360 was 1.30%, now 1.50%
State Bank of Texas was 1.50%, now 1.85%
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Ally: 1.60%
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CIBC was 1.66%, now 1.95%
Live Oak was 1.40%, now 1.75%
Bank7 was 0.90%, now 1.50%
American Express was 1.25%, now 1.40%
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Prime Alliance Personal Savings was 1.55% now 2.05%
Personal Capital was 1.40% now 2.02%
Valley Direct Savings was 1.25% now 2.10%
Dollar Savings Direct Savings was 1.00% now 1.40%
Colorado FSB Savings was 1.00% now 1.45%
My Savings Direct Savings was 0.75% now 1.00%
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CFG Bank Money Market was 2.30% now 2.55%
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@jtownsucks46 Another site is showing this account (CFG Bank) limits ACH transfers to $5K daily, $30K per month. Anyone know if this is still the case? TIA
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@platypus said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 Another site is showing this account (CFG Bank) limits ACH transfers to $5K daily, $30K per month. Anyone know if this is still the case? TIA
Isn’t that for ACH originating from CFG? Pulling or pushing from another bank to/from CFG should not have those limits?
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@platypus said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 Another site is showing this account (CFG Bank) limits ACH transfers to $5K daily, $30K per month. Anyone know if this is still the case? TIA
Not sure. If you call the bank and find out, please report back!
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
Isn’t that for ACH originating from CFG? Pulling or pushing from another bank to/from CFG should not have those limits?
I don’t know about CFG, but SFGI no longer allows external ACH pull.
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Fun fact, you can call your bank and request a higher rate! ConnectOne has matched one of the top 5 accounts on this list for me last month and this month. Currently at 2.26%
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@c3 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
Isn’t that for ACH originating from CFG? Pulling or pushing from another bank to/from CFG should not have those limits?
SFGI no longer allows external ACH pull.
Where do you get that from?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@c3 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
Isn’t that for ACH originating from CFG? Pulling or pushing from another bank to/from CFG should not have those limits?
SFGI no longer allows external ACH pull.
Where do you get that from?
They called me when I pulled from Ally.
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I pulled money out back in February with no problem. I’ve had an account for 10 years and sometimes they have good rates and sometimes not. Now, not, otherwise I would investigate further.
