Best Nationally Available High APY Liquid Accounts
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SoFi savings 3.75%
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@c3 said in Best Nationally Available High APY Liquid Accounts:
SoFi savings 3.75%
Only with direct deposit right? I got this in email from them:
We raised the rate on SoFi Checking and Savings up to 3.75% APY for members with direct deposit. Simply set up direct deposit to earn 3.75% APY on your savings and Vaults balances (and 2.50% APY on checking balances)! As always, you can instantly transfer between your checking, savings and Vaults, all within the SoFi app.
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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.
How much hassle is getting 0.10% more interest over banks with 4.25% APY worth it? I only have one personal checking account with Alliant that pays virtually nothing. I would have to ACH money to that account from one of my external accounts paying 4.00% and wait for it to clear Then transfer from Alliant to MSD and wait another few days to clear. All the while losing a bunch of interest along the way. Why can’t MSD take your funds from savings or MMA accounts? Why must it be a personal checking account? It’s like they are putting up this barrier so people don’t actually open up an account.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@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.
How much hassle is getting 0.10% more interest over banks with 4.25% APY worth it?
And extra 82 cents per month per $10,000.
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@mtnagel said in Best Nationally Available High APY Liquid Accounts:
@c3 said in Best Nationally Available High APY Liquid Accounts:
SoFi savings 3.75%
Only with direct deposit right?
Yes, of course. I already took most of the money out after the bonus was paid.
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CIT Savings Connect was 3.85% now 4.05%
Liberty Savings Bank Savings(via savebetter) was 3.85% now 4.00%
mph bank MM was 3.85%(via savebetter) now 4.15%
Bread Savings was 3.50% now 4.00%
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@c3 I too pulled all my money from SoFi after $1000 bonus was paid.
I was able to use Astra to make a “direct deposit” so I received a decent rate
(as opposed to 1.20% without direct deposit)Pulling money from Ally after their $500 bonus is next on my to-do-list
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Bask Bank savings account up to 4.15% APY.
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State Exchange Bank (savebetter) was 4.00% now 4.20%
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Your Bask Interest Savings Account Annual Percentage Yield has increased.
Your Annual Percentage Yield has increased to 4.15%.The annual percentage yield you are earning on your Bask Interest Savings Account has been increased from 4.03% to 4.15% APY*.
The annual percentage yield is effective as of Monday, January 9, 2023.
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Republic Bank Chicago was 4.25%, now 4.28%
All states except IL, IN, MI, and WI.
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Great Lakes CU MM(via savebetter) was 4.10% now 4.20%
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NASB rate increased to 4.08% effective 12/22/22
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Blue Federal Credit Union MM was 4.00% now 4.15%
ETrade Savings was 3.25% now 3.50%
Zions Bank MM was 1.26% now 1.51%
Brio Direct Savings was 3.75 and Brio Direct MM was 0.70% have both been removed from the list as Brio is reportedly no longer offering savings/MM accounts instead focusing on CD’s
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Lending Club Savings was 3.60% now 4.00%
US Alliance Financial Savings was 3.25% now 3.50%
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deleted
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UFB Best Savings was 4.11%, now 4.21%
(but my account still shows 4.11%)
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EmigrantDirect Savings was 2.50% now 3.50%
SFGI Direct Savings was 3.26% now 3.51%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
UFB Best Savings was 4.11%, now 4.21%
(but my account still shows 4.11%)Check back tomorrow and it should be 4.21%. If not, just call into customer service and they will adjust your rate.
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https://www.marcus.com/us/en/savings/osa-savingsbonus
$100 bonus for $10,000 deposit, 90 days.
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@jtownsucks46 Not sure what’s going on with Brio Direct, but it does look like they’re only doing new CDs & not savings. However, I just got this email from them today:
Thank you for being a BrioDirect client. We are delighted to share the rate on your BrioDirect Savings Plus account has been raised to 4.10% APY* on January 10, 2023. This higher rate has been applied to your balance in your BrioDirect Savings Plus account AND any new dollars you add!
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@mrvietnam said in Best Nationally Available High APY Liquid Accounts:
Check back tomorrow and it should be 4.21%. If not, just call into customer service and they will adjust your rate.
Yes, played the “rate game” many times with UFB
Just wanted to inform it wasn’t instantaneous.
It shows as 4.21% today
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CIBC was 3.62% ,now 3.77%
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Vio Cornerstone MM was 4.01% now 4.17%
Brilliant Bank Savings was 4.01% now 4.30%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brilliant Bank Savings was 4.01% now 4.30%
Do you have to contact them for that 4.30% rate. My account still shows as 3.94%
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CFG Bank MM was 4.15% now 4.25%
Removed Third Coast Bank Savings(via SaveBetter) 4.13% - no longer offered
Removed Patriot Bank MM(via SaveBetter) 4.00% - no longer offered
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I live in a legacy PNC market so am not eligible for their 4% High Yield Savings account. I was shocked to receive an email from PNC inviting me to open a high yield money market promo account paying 4.25%. If you have PNC and are in a legacy market, may be worth checking your email for this offer!
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Republic Bank MM was 4.28% now 4.37%
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Tab Bank Savings was 3.64% now 4.06%
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Sallie Mae MM was 3.40% now 3.60%
Sallie Mae Savings was 3.20% now 3.50%
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Looks like we have a new rate leader:
Purely Money Market was 3.50% now 4.45%(25k minimum)
Also a new account:
Mutual One Mo Premium Savings 4.07% requires 20k minimum daily balance
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CFG was 4.25%, now 4.30%
Popular Direct was 4.16%, now 4.26%
First Foundation was 4.00% now 4.20%
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Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.
OK I guess I’m the guinea pig. Just applied and it was the easiest I’ve ever experienced. Apparently the account is open and have linked the funding account immediately. Looks like they even have branches nearby.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.
OK I guess I’m the guinea pig. Just applied and it was the easiest I’ve ever experienced. Apparently the account is open and have linked the funding account immediately. Looks like they even have branches nearby.
Let us know if you get a hard credit pull. Im seeing talk on another forum that they are doing hard pulls for these accounts.
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How can you tell? I did get alerts from the credit monitoring services but I also applied at Purely Bank and got a Home Depot card the last few days.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
How can you tell? I did get alerts from the credit monitoring services but I also applied at Purely Bank and got a Home Depot card the last few days.
If you are signed up for a service like Credit Karma, you should get a notification email when your credit is pulled.
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I get notifications when my credit scores goes up or down.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.
Very interesting bank. In addition to the savings account, they also have two checking accounts. One is essentially the same as the savings. It pays 5.03%. The other pays 50 cents each time you use your debit card(except ATM transactions). There is no identified minimum transaction to get the 50 cents. They also refund ATM fees other banks charge. I wonder how long these rates are going to last.
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Your mention of a 50 cent debit card rebate reminded me of Fidelity Bloom
Somewhat off topic (delete if so) but here’s the deal.
Open and deposit $25, get $50 bonus
Deposit $300 into Save, get 10% = $30
Then for a limited time they give you $1 per debit transaction > $10
Have to open via app. but then shows up with your other Fidelity accounts online.
All funds sit in SPAXX, with a current rate of 3.85%
https://www.fidelity.com/mobile/bloom
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On topic of Primis
Onboarding was easy, quickly approved, funded, and linked several external accounts.
Only issue is username and password work on the website but not in the app.
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Ally Bank 3.30% to 3.40%
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Republic Bank MM was 4.37% now 4.47%
Ivy Bank Savings was 4.05% now 4.25%
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Blue FCU MM was 4.15% now 4.25%
Ivy Bank Indexed Savings was 4.03% now 4.71%
Community Wide FCU Monthly Savings was 3.50% now 4.00%
TIAA Bank MM was 3.35% now 3.45%
Alliant CU Savings was 2.70% now 2.95%
PenFed CU Savings was 2.30% now 2.70%
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
On topic of Primis
Onboarding was easy, quickly approved, funded, and linked several external accounts.
Only issue is username and password work on the website but not in the app.ISSUE RESOLVED
There are several Primis apps in Google Play store
WRONG ONE: Primus Personal Banking
CORRECT ONE: Primus Mobile Banking App
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Atlantic FCU MM(via SaveBetter) was 4.20% now 4.25%
Newly added to SaveBetter: adda bank Savings 4.25% https://www.savebetter.com/banks/adda-bank
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@goldsheet Glad you mentioned that…i was having the same problem…once i switched to the correct one, was able to log right in…
I was wondering…for the free set of checks do you have to request them or are they ordered automatically?
The email said the debit card was ordered but no mention of the checks…
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@craig10x
Used chat, was in queue for 2 hours with these results (my info edited out):
[07:06:17pm] Checks are not automatically ordered. They would need to be requested after the account is established
[07:10:37pm] Thank you! I can order the checks for you. Can you please let me know if you want singles or duplicates and then can you verify the mailing address.
[07:13:07pm] Wonderful! I’ll get them ordered for you. They will take up to 2 weeks to receive.
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Merchant’s Bank of Indiana 4.08% now 4.34%
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@craig10x Thanks goldsheet…I got on Chat at 11 PM last night and got someone around 11:30 PM…she ordered the checks for me…you are correct…they are not automatically ordered…
