Best Nationally Available High APY Liquid Accounts
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Popular Direct Select Savings 5.40%
https://www.populardirect.com/products/savings/
Note: Appears to be a new account offering
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First Resource Bank MM (via raisin) was 5.20% now 5.26%
Select Bank Savings (via raisin) was 5.11% now 5.25%
CIBC Savings was 4.76% now 5.01%
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Ivy Bank High Yield Savings (except California) was 5.00%, now 5.30%
(rate guaranteed through 6/30/24)Pacific Western Bank Money Market was 5.25%, now 5.27%
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Bask Bank Savings was 5.00% now 5.10%
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New raisin accounts:
dr Bank Savings 5.27%
Uncle Credit Union MM 5.26%
Dayspring Bank MM 5.26%
CF Bank Savings 5.26%
WE Credit Union Savings 5.26%
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Not a savings account but an interesting nationally available liquid CD that I’d like to share with the group.
It’s a one-year CD but what makes it unusual is- unlimited deposits are allowed
- two no penalty withdrawals can be made.
- just have to keep balance over $5,000
so it’s a “semi-liquid” account
https://www.credithuman.com/investments-planning/certificates-iras/liquid-share-certificate
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Tab was 5.02, now 5.27
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Discover AAII Savings was 4.35% now 4.40%
Discover Savings was 4.30% now 4.35%
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Brilliant Bank MM was 4.65% now 5.35%
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LiveOakBank up from 4.15% to 4.40%.
Received an email for that.
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Vio Cornerstone was 5.25% now 5.28%
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Between November 1st, 2023 - December 19th, 2023
Simply deposit new money into your CIBC Agility Savings account to be eligible for the following:
Deposit $25,000 - $49,999: Earn a $250 bonus
Deposit over $50,000: Earn a $500 bonus
Sign-up for eStatements during the Funding Period
Keep the new money in your account until March 18th, 2024
Receive your bonus of up to $500 by May 17th, 2024
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdf
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brilliant Bank MM was 4.65% now 5.35%
Now called "Surge Money Market"
Sent email and they promptly converted my old Luminary (5.25%) to Surge (5.35%)
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Ponce Bank MM (via raisin) was 5.15% now 5.28%
My Banking Direct Savings was 5.00% now 5.35%
Wealthfront Brokerage Cash Account was 4.80% now 5.00%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Between November 1st, 2023 - December 19th, 2023
Simply deposit new money into your CIBC Agility Savings account to be eligible for the following:
Deposit $25,000 - $49,999: Earn a $250 bonus
Deposit over $50,000: Earn a $500 bonus
Sign-up for eStatements during the Funding Period
Keep the new money in your account until March 18th, 2024
Receive your bonus of up to $500 by May 17th, 2024
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdIs this still available? Link says, The page you entered was not found. It may no longer exist, or it may have been moved.
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It’s on this page now https://us.cibc.com/en/agility/agility-savings.html?utm_source=onlinebanking&utm_medium=banner&utm_campaign=+AgilityClientRed
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
It’s on this page now https://us.cibc.com/en/agility/agility-savings.html?utm_source=onlinebanking&utm_medium=banner&utm_campaign=+AgilityClientRed
Terms and Condition are there. I made a typo missed “f” at end of "pdf"
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdf
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Get up to a $750 bonus with Penfed Premium Online Savings
$150 bonus for every $10,000, up to $50,000Offer Details: You must open a new PenFed Premium Online Savings account between 11/15/23 to 12/30/23 to be eligible for the Bonus Offer.
During the Offer Period or before 12/30/2023, make deposits of up to at least $10,000 from an external account into your PenFed Premium Online Savings account.
The new money must remain in the PenFed Premium Online Savings account from 12/30/23 to 4/30/24 to be eligible for the Offer.
https://www.penfed.org/savings/premium
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
You must open a new PenFed Premium Online Savings account
It also works for depositing new money into an existing account.
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Vio was 5.28%, now 5.30%
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@c3 said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
You must open a new PenFed Premium Online Savings account
It also works for depositing new money into an existing account.
Yes, they updated the terms https://www.penfed.org/getmyoffer1115
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DR Bank Savings (via raisin) was 5.27% now 5.29%
Prism Bank MM (via raisin) was 5.25% now 5.28%
Stage Point FCU MM (via raisin) was 5.00% now 5.29%
Lending Club Savings was 4.50% now 4.65%
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First Foundation is now playing "account games"
First Foundation Bank Online Savings account remains at 5.00%
but
First Foundation Bank Online Money Market is now higher at 5.25%
https://www.firstfoundationinc.com/personal-banking/bank/online-money-market-account
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UFB also has new accounts
UFB Secure Savings and UFB Secure Money Market both at 5.25%
Watch out they don’t drop rate on
UFB High Yield Savings and UFB High Yield Money Market
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@goldsheet Did they pull this offer? I’m not seeing it now.
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@platypus Sorry, found it at the link above:
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Interest is a lousy 3%, but if my math is correct, with the max bonus it come out to 7.5%? 3% on $50K for four months is $500, plus the $750 bonus = $1250 interest.
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@platypus said in Best Nationally Available High APY Liquid Accounts:
@platypus Sorry, found it at the link above:
Disclosures say, “This exclusive Bonus Offer is only available for the original recipient of the email and cannot be shared or made eligible beyond the original recipient.”
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Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bankI’d be very careful about opening an account there. Site seems a bit fishy and many online reviews suggest it’s a scam. No phone number for contact is one red flag. That you have to download an app to a phone to use it and not being able to use a computer is another.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bankI’d be very careful about opening an account there. Site seems a bit fishy and many online reviews suggest it’s a scam. No phone number for contact is one red flag. That you have to download an app to a phone to use it and not being able to use a computer is another.
Always good to be cautious, but does seem to be legitimate:
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@jtownsucks46
milli is 100% legit
Their ABA number is First National Bank Of Omaha
https://www.usbanklocations.com/routing-number-107002600.htmlPlease contact us at 1-800-733-4015
or email us at support@milli.bank, or
chat with us within the app
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4 banks on Raisin at 5.30%, with this one highest at 5.32%
https://www.raisin.com/en-us/credit-unions/uncle-credit-union
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Popular Direct Savings was 5.40% now 5.35%
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Marcus Online Savings Account was 4.40%. now 4.50% APY
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Ally 4.25 now 4.35 %
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raisin institutions are a mixed bag; some up and some down:
America First CU MM was 5.27% now 5.30%
First Resource Bank MM was 5.26% now 4.85%
Western Alliance Bank Savings was 5.26% now 5.21%
GreenState Credit Union Savings was 5.16% now 5.00%
adda Bank Savings was 5.15% now 4.90%
The Atlantic Federal CU MM was 5.01% now 5.29%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
raisin institutions are a mixed bag; some up and some down:
Gave up updating them on my spreadsheet. too much work
Just list one link as "50+ insured banks and credit unions with rates as high as 5.32%."
http://www.rejohnsonjr.com/SAVINGS.HTM
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Get up to a $750 bonus with Penfed Premium Online Savings
$150 bonus for every $10,000, up to $50,000Offer Details: You must open a new PenFed Premium Online Savings account between 11/15/23 to 12/30/23 to be eligible for the Bonus Offer.
During the Offer Period or before 12/30/2023, make deposits of up to at least $10,000 from an external account into your PenFed Premium Online Savings account.
The new money must remain in the PenFed Premium Online Savings account from 12/30/23 to 4/30/24 to be eligible for the Offer.
https://www.penfed.org/savings/premiumThe deadline is coming up.
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Here’s a brand new one at 5.50% guaranteed for 180 days
https://www.poppy.bank/poppy-premier-online-savings-faqs/
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct Savings was 5.40% now 5.35%
And now it’s 5.25%
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct Savings was 5.40% now 5.35%
And now it’s 5.25%
And now 5.20%
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Valley Direct was 5.25% down to 5.05%
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@goldsheet The page is now showing rate is guaranteed for 3 months. I hope we will be grandfathered in for 6 months. Anyone know for sure?
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No more increases, a few decreases, think rates have topped out.
As a result, putting a few $$ into CD specials.
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Western Alliance 5.36%
https://www.westernalliancebancorporation.com/high-yield-savings-premier$60 signup bonus through Swagbucks
https://www.swagbucks.com/?f=11&q=Western+Alliance+Bank
Going direct is slightly higher than their rate via raisin at 5.32%Note: Details at Doctor of Credit
https://www.doctorofcredit.com/swagbucks-signup-with-western-alliance-bank-get-60-500-funding-required/
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FNBO Direct Rate Change
High Yield Online Savings Account
Was 5.15%, now 4.75%
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Valley Direct was 5.05%, now 4.80%
(Rate decreases are starting)
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Brio Direct still holding strong at 5.35%.
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@mtnagel said in Best Nationally Available High APY Liquid Accounts:
Brio Direct still holding strong at 5.35%.
After locking in some CDs at 5.70% and 5.75%, and topping off Milli at 5.50%,
rest is spread across the 5.35% Club (Brio, Brillant, MyBankingDirect)
