Best Nationally Available High APY Liquid Accounts
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@jtownsucks46 I just did an online chat with SalemFive and because
"I was such a good customer" they upgraded my current account to 3.5%
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Didn’t notice if anyone posted the huge Discover bonus.
Get a $450 bonus when you apply for your first Discover Online Savings
Account and deposit a total of at least $35,000 into your account within 30 days.
https://www.discover.com/online-banking/savings-lng-04/?TPR=091
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Dollar Saving Direct was 3.11%, now 3.50%
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CIBC Agility Online Savings was 2.51%, now 3.03%
American Express Savings was 2.25% now 2.35%
TIAA was 1.85%, now 2.10%
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Upgrade Premier Savings 3.50%
$1,000 minimum to earn interest
No monthly account fees or transfer fees
FDIC insured up to $250,000 through Cross River Bank
Not available to existing Rewards Checking or High Yield Savings customers.
https://www.upgrade.com/premier-savings
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NASB savings rate increased to 3.15%
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Marcus was 2.35%, now 2.50%
Bread was 2.90%, now 3.00%
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CFG Bank Savings was 3.15% now 3.30%
UFB Bank Savings was 3.11% now 3.16%
UFB Bank MM was 3.11% now 3.16%
Lemmata Bank MM was 3.05% now 3.35%
Sky One FCU was 2.90% now 3.25%
My Banking Direct Savings was 2.85% now 3.15%
Capital One Savings was 2.35% now 3.00%
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Emigrant Direct Savings was 2.00% now 2.50%
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SoFi Savings going up to 3.00% on 11/3. Checking stays at 2.50%.
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Alliant Credit Union Savings was 2.20% now 2.35%
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USAlliance High Dividend Savings was 2.75%, now 3.00%
CFG Was 3.30%, now 3.55%
Ally was 2.35%, now 2.50%
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State Exchange Bank Savings was 2.75% now 3.30%
Tab Bank Savings was 2.66% now 3.00%
TIAA Bank Svings was 2.10% now 2.25%
Western Bank Savings was 2.00% now 3.00%
Self Help CU MM was 1.39% now 1.53%
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Bask was 3.05%, now 3.60% (wow!)
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@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.
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@atikovi Agree. I only transfer maybe 20-25% of my balance at a time because often after I do, the bank will raise their rate.
I’m also doing the $1,000 SoFi deposit promotion and the $500 Ally deposit promotion.
Becoming a job to update my list
http://www.rejohnsonjr.com/SAVINGS.HTMAnd Valley Direct just raised from 3.01% to 3.50%
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America First CU MM was 3.05% now 3.50%
Bask Bank Savings was 3.05% now 3.60%
Valley Direct Savings was 3.01% now 3.50%
Patriot Bank MM was 3.00% now 3.30%
Rising Bank Savings was 2.50% now 3.00%
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@jtownsucks46 They’re raising so fast our rate updates are bumping into each other
The average rate on all of my accounts is 3.22% apy so anything less is a candidate for transfer.
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@goldsheet I’m doing pretty much the same. Thanks for your list. I check it & PhatWallet daily to keep up. Opened a SalemFive account yesterday & started transferring Bask funds & then Bask goes up today, even high than SalemFive. Can’t win!! So I just spread it around & it all averages out. Moving everything under 3% now.
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@platypus At only 3.05% Bask was on my transfer list but I
decided to wait another week just in case and it paid off at 3.60%
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.
Dollar Savings Direct has been raising their rates to maintain their claim of the “America’s Highest Rate” so I’d expect them to raise theirs to match Bask. So you could just put it there.
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@mtnagel said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.
Dollar Savings Direct has been raising their rates to maintain their claim of the “America’s Highest Rate” so I’d expect them to raise theirs to match Bask. So you could just put it there.
DSD has a lousy ACH transfer policy. You can’t use an external bank to transfer money out of your DSD account (and maybe in, too), and you can have only an external personal CHECKING account linked to your DSD account to transfer money initiated through DSD.
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@mtnagel Dollar Savings Bank only allows one linked account it has to be a checking account and it’s the only way to transfer funds. = Horrible
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Enzo was 2.87% now 3.57%
Enzo is a financial technology company and not a bank.
Banking services provided by Blue Ridge Bank N.A.; Member FDIC.
https://www.joinenzo.com/features
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@mtnagel said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.
Dollar Savings Direct has been raising their rates to maintain their claim of the “America’s Highest Rate” so I’d expect them to raise theirs to match Bask. So you could just put it there.
DSD has a lousy ACH transfer policy. You can’t use an external bank to transfer money out of your DSD account (and maybe in, too), and you can have only an external personal CHECKING account linked to your DSD account to transfer money initiated through DSD.
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@mtnagel Dollar Savings Bank only allows one linked account it has to be a checking account and it’s the only way to transfer funds. = Horrible
I just set up my T-Mobile account to push money to DSD so it’s possible to push from an external savings account. My DSD account is linked to a checking account and I have used that account as a middle man to then transfer to another bank as well so that’s possible. I’ve had my account for many years and haven’t used it in awhile, but it’s been nice that they’ve just been matching the highest rate lately so I’ll jump through a few hoops instead of creating new accounts to chase the best rate.
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New rate leader: Merchant’s Bank of Indiana MM was 3.05% now 3.82%
Quontic Bank Savings was 2.30% now 3.00%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@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%
Now 2.70%
Now 3.10%
Now 3.50%
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Discover AAII Savings was 2.40% now 2.80%
American Express Savings was 2.35% now 2.50%
Discover Savings was 2.35% now 2.75%
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Email from NASB 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
3.56% APY*Your rate increase is effective and will be reflected in your online banking tomorrow.
Use the “Apply Now” button. Otherwise, it give you a message that the product isn’t available in your area. Weird.
https://www.nasb.com/banking/resources/online-account-opening
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Brilliant Bank Savings was 3.25% now 3.61%
First Internet Bank Savings was 2.53% now 2.22%
My e Banc Savings was 1.71% now 2.48%
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Vio Bank MM was 3.02% now 3.52%
CIT Bank Savings Connect was 3.00% now 3.25%
Synchrony Bank Savings was 2.75% now 3.00%
Sallie Mae MM was 2.70% now 3.20%
Barclays Bank Savings was 2.40% now 3.00%
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Ponce Bank MM was 3.00% now 3.25%
Wealthfront was 2.55% now 3.30%
SFGI Direct Savings was 2.21% now 2.51%
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Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%
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Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%Brio was stuck at 2.80% for so long I moved most of my money out, mostly to CFG !
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%Brio was stuck at 2.80% for so long I moved most of my money out, mostly to CFG !
LOL!!
Kind of find it strange that these banks raised their rates very close to the top but let Merchant’s Bank remain the number 1 at 3.82%.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%Brio was stuck at 2.80% for so long I moved most of my money out, mostly to CFG !
I moved most of my money out of Brio, but kept a few dollars in there and it still shows 2.127%. I’m guessing they are one of those crappy banks that create new accounts with higher rates so to get the new rate you have to open a new account?
I know people here don’t like them but sucks to see that Dollar savings direct removed the claim of the highest rate so they are still at 3.5%.
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@mtnagel
Yes, I mentioned previously Brio did the “switch-a-roo”
(like UFB, Popular, CIT, Salem Five, and a few others)
I have:
BRIODIRECT MONEY MARKET Interest Rate 0.698 %
BRIODIRECT SAVINGS Interest Rate 2.127 %
BRIODIRECT SAVINGS PLUS Interest Rate 3.682 %Dollar Savings Direct is now “More Money for Your Money”
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Off topic, but this might be too good IMHO, not to mention
Andrews Federal Credit Union
5.00% APY 7 month CD special offer
Minimum of $1,000 to earn the advertised APY.
Maximum balance allowed is $100,000.
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@mtnagel
Yes, I mentioned previously Brio did the “switch-a-roo”
(like UFB, Popular, CIT, Salem Five, and a few others)
I have:
BRIODIRECT MONEY MARKET Interest Rate 0.698 %
BRIODIRECT SAVINGS Interest Rate 2.127 %
BRIODIRECT SAVINGS PLUS Interest Rate 3.682 %Shady. Makes me want to just pull all my money and close my account.
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Betterment Cash Reserve was 2.75% now 3.20%
E Trade Savings was 2.75% now 3.25%
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Marcus: 3.00%
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Smarty Pig Savings was 2.60% now 3.10%
Personal Capital Cash was 2.60% now 3.35%
Popular Direct Savings was 2.50% now 3.25%
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Ally Bank Savings was 2.50% going to 2.75% on 11/9/2022
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First Foundation was 3.10%, now 3.60%
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UFB at it again with a new
UFB High Rate Savings Account
Balance Tiers APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 3.71% 3.64%
$50,000 - $99,999.99 3.83% 3.76%
$100,000 or greater 3.83% 3.76%
https://www.ufbdirect.com/Savings/ufb-high-rate-savings
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
UFB at it again with a new
UFB High Rate Savings Account
Balance Tiers APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 3.71% 3.64%
$50,000 - $99,999.99 3.83% 3.76%
$100,000 or greater 3.83% 3.76%
https://www.ufbdirect.com/Savings/ufb-high-rate-savingsFinally a bank decides to beat Merchant’s Bank of Indiana(just by 0.01%) for the top rate. Too bad they only did it by requiring 50k minimum to get the rate. And that’s assuming you get the 3.83% on the whole balance rather than a blended rate. Not clear from their website. To me Merchant’s Bank is still the golden goose!
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
To me Merchant’s Bank is still the golden goose!If only you could originate ACH transfers, they would be perfect
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
To me Merchant’s Bank is still the golden goose!If only you could originate ACH transfers, they would be perfect
Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.
Does Alliant still have a $25K/day limit? That would be annoying to pull $250K from one account to push into Merchants. 20 days total to complete a transfer?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.
Does Alliant still have a $25K/day limit? That would be annoying to pull $250K from one account to push into Merchants. 20 days total to complete a transfer?
They do. For large sums like 250k, I would just do a wire.
