Best Nationally Available High APY Liquid Accounts
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Bread Savings to 1.15%
PenFed to .75%
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@goldsheet I am actually transferring my social security dd to SoFi but meanwhile i did set up the Astra app on my phone like you… to try it for this month…
Two questions for you: From the day you initiate the transfer from another bank to SoFi…how many days to get there?
When it posts at SoFi what does it say? Does it post as Direct Deposit?
Thanks
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@craig10x Astra is slow
Scheduled on May 18, showed up on May 24 as follows
"May 24 Astra Inc. Direct Deposit $25.00"
and my SoFi rate immediately went to 1.25%Update: did another transaction on the 23rd that showed up on the 26th.
The 6-day transaction above included a weekend where the 3-day transaction was on weekdays.
Really shouldn’t make a difference but it’s a plausible explanation ?
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Thanks…sounds like without an interruption (ex: holiday, weekends) then it is 3 days from when you set it up…not too bad…
And i see it does say Direct Deposit…Did it work for you this month (June) as well?
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And i see it does say Direct Deposit…Did it work for you this month (June) as well?
My June transfer was scheduled for the 15th.
I moved it to Monday the 13th so we can see what happens next week !
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@goldsheet Very good…let me know…i have a friend who has SoFi but doesn’t have a direct deposit to move there and he was curious to know if it is consistent…
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Luana Savings Bank
https://luanasavingsbank.com/pages/deposit/now_money_market.asp
Deposit Balance Interest Rate APY
$0 - $49,999.99 1.250% 1.260%
$50,000 - $99,999.99 1.350% 1.360%
$100,000 - $249,999.99 1.450% 1.460%
$250,000 - $749,999.99 1.500% 1.510%
$750,000 and above 1.550% 1.560%
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@atikovi This just happened to me too after completing their online application. I have never been rejected from any other bank when applying online and wondering what happened?! I will call them tomorrow since it is the weekend. Did you ever find out why you got this code message?
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@goldsheet I just joined Consumers Credit Union for the account they have that is earning 1.5% but they limit a deposit to $1000/mo. That kind of sucks.
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@deb said in Best Nationally Available High APY Liquid Accounts:
@atikovi This just happened to me too after completing their online application. I have never been rejected from any other bank when applying online and wondering what happened?! I will call them tomorrow since it is the weekend. Did you ever find out why you got this code message?
Ending up applying over the phone and emailing the required documents.
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Bask Bank was 1.25%, now 1.50%
new one SkyOne MMDA 1.25%
https://www.savebetter.com/credit-unions/skyone-federal-credit-union/high-yield-money-market-deposit-account
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CIBC Agility Savings Account now 1.27% but it won’t let you pull money from an external account. You can only go from the external account into CIBC.
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
CIBC Agility Savings Account now 1.27% but it won’t let you pull money from an external account. You can only go from the external account into CIBC.
In March 2021 I made a substantial withdrawal from CBIC initiated from an external account. Worked then, don’t know if rules have changed,
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In response to the Federal Reserve raising interest rates, Enzo has raised the interest rate on the Enzo Deposit Account to 1.49%, effective 6/16/22.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
In response to the Federal Reserve raising interest rates, Enzo has raised the interest rate on the Enzo Deposit Account to 1.49%, effective 6/16/22.
In that link, all I could find was a 0.81% checking account and to sign up to be put on a wait list to join.
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@atikovi effective 6/16 might not be active yet ?
I have been a member since January was not aware there’s a wait list again.
Received $50 sign up bonus back then
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Mph was 0.85% now 1.35%
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Alliant Credit Union 1.00%
CIT Money Market 0.85%
CIT Savings Connect 1.20%
Citizens Access 1.00%
Merchants Bank of Indiana 1.51%
myBanking Direct 1.25%
Rising Bank 1.20%
SFGI 0.91%
SallieMae 0.90%
Valley Direct 0.90%
My Savings Rate Table: http://www.rejohnsonjr.com/SAVINGS.HTM
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@craig10x
My Astra deposit initiated on Monday 13th credited today 16th.
Shows as “Deposit” unlike “Direct Deposit” last time.
Think they may have figured out it was not a real DD.
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Ivy Bank was 1.15%, now 1.50%
https://www.ivybank.com/savingsBrio Direct was 1.00%, now 1.15%
https://www.briodirectbanking.com/high-yield-savings/Citizens Access was 1.00%, now 1.25%
https://www.secure.citizensaccess.com/Citizens/savingsSFGI was 0.91%, now 1.01%
https://sfgidirect.com/State Exchange Bank 1.25%
https://www.savebetter.com/state-exchange-bank/high-yield-savings-account
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@goldsheet Thanks for confirming…the Astra transfers i did to SoFi showed in the exact same way…so SoFi must have caught it and it will no longer work…
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Lots of updates - table is updated!
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@jtownsucks46
Ivy Bank at 1.50% would be a good new addition.
First Foundation just raised to 1.65%
Otherwise, looks great, thank you !
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UFB Direct Money Market 1.51%
No monthly maintenance fees with a $5,000.00 balance,
otherwise fee is $10.00 per month
https://www.ufbdirect.com/Savings/Money-Market
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Lending Club was 1.05%, now 1.26%
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Colorado Savings Bank High Yield Savings was 0.90% now 1.00%
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Wealthfront Cash was 0.85% now 1.40%
Popular Direct High Yield Savings was 0.85% now 1.05%
Bank 7 High-Rate Online Savings was 0.75% now 0.90%
American Express High Yield Savings was 0.75% now 0.90%
Vio Bank High Yield Online Savings was 0.50% now 0.60%
iGo Banking Money Market was 0.50% now 1.30%
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Marcus Online Savings was 0.85% now 1.00%
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Bask Bank up to 1.61% today.
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@platypus said in Best Nationally Available High APY Liquid Accounts:
Bask Bank up to 1.61% today.
Still shows 1.5% on their site?
Never mind, now I see that they updated the main page with the 1.61% but not the product specific page.
State Exchange Bank was 1.25% now 1.40%
CFG Bank was 1.17% now 1.30%
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Bread High Yield Savings was 1.15% now 1.65%
Capital One Online Savings was 0.90% now 1.00%
All America Bank Mega Money Market was 0.85% now 1.35%
Redneck Bank Mega Money Market was 0.85% now 1.35%
Synchrony High Yield Savings was 0.85% now 1.10%
Customers Bank Ascent Money Market Savings was 0.75% now 1.00%
Betterment Cash Reserve was 0.75% now 1.10%
Dollar Savings Direct Savings was 0.75% now 1.00%
Connect One Bank Savings was 0.70% now 1.00%
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Ally 1.00% (NPCD is also 1.00%)
Barclays 1.10%
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Just noticed Ivy Bank has a exception
"California residents are not eligible for Ivy Bank products and services"
Makes it about 88% nationally available
Notation or delete ?
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Update on one of my earlier "different opportunity"
Enzo is another fintech
(Banking services provided by Blue Ridge Bank N.A.; Member FDIC)
Earlier this year they had a $50 signup, no longer available
Still some advantages of being a “Founding Member”- We plan to raise the interest rate on the Enzo Checking Account to 2.15% effective August 1st, 2022.
- As a reward for your support, once we reach 25,000 Enzo Customers, we plan to reward
all our Founding Members by raising the interest rate to 3.10% on the Enzo Checking Account - We are granting equity to our early members and reserving a piece of the company to permanently be owned by you.
There are currently at 5,763 member per
https://help.joinenzo.com/hc/en-us/articles/7340953900692
Join here: https://www.joinenzo.com
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SoFi https://www.sofi.com/banking/
You can now earn 1.50% APY* with direct deposit
(non-direct deposit members’ rates will rise from 0.70% to 0.90%)
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Discover Online Savings 1.00%
Discover AAII Savings 1.05%
Sallie Mae Money Market 1.20%
SAlli Mae High Yield Savings 1.10%
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Brio Direct High Yield Savings was 1.15% now 1.80%
Prime Alliance Personal Savings was 1.11% now 1.55%
Vio Bank Money Market was 1.03% now 1.30%
Discover AAII Online Savings was 0.95% now 1.05%
American Express High Yield Savings was 0.90% now 1.00%
Discover Online Savings was 0.90% now 1.00%
Valley Direct Savings was 0.90% now 1.25%
Sallie Mae Money Market was 0.90% now 1.20%
Bank Onward Savings was 0.80% now 1.00%
Paramount Interest Checking was 0.75% now 1.00%
FNBO Online Savings was 0.65% now 0.85%
Smarty Pig by Sallie Mae was 0.65% now 1.10%
Personal Capital Cash was 0.65% now 1.40%
My Savings Direct Savings was 0.50% now 0.75%
National Cooperative Bank Impact Money Market was 0.50% now 1.01%
Bank Purely Money Market was 0.50% now 1.30%
Customers Bank High Yield Savings was 0.25% now 0.75%
Zion’s Bank Online Money Market was 0.20% now 0.45%
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@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”
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Quontic High Yield 1.25%
USALLIANCE Financial was 1.00%. now 1.25%
Capital One 360 Performance Savings Account was 0.90%, now 1.00%
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Discover 1.10%
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UFB was 1.50%. now 1.66%
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Marcus Savings 1.20%, NPCD 1.25%
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UFB Direct Savings was 1.51% now 1.66%
CFG High Yield Money Market was 1.30% now 1.65%
Sky One FCU Money Market was 1.25% now 1.40%
CIT Savings Connect was 1.20% now 1.35%
Marcus Online Savings was 1.00% now 1.20%
Alliant High Rate Savings was 1.00% now 1.05%
CIT Money Market was 0.85% now 1.00%
CommunityWide FCU High Rate Quarterly was 0.80 now 1.20%
TIAA Money Market was 0.70% now 0.90%
Northpointe Bank Ultimate Money Market was 0.65% now 1.25%
CIT Savings Builder was 0.65% now 0.70%
Northpointe Bank Ultimate Savings was 0.65% now 1.25%
Countrywide FCU High Rate Monthly was 0.60% now 0.70%
Self Help Money Market was 0.40% now 0.53%
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PurePoint savings which has one of the best ACH speeds and limits and which HAD one of the highest rates, has been stuck at 0.40% for over a year. Why haven’t THEY gone up?
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@atikovi This may be the issue “PurePoint Financial is a division of MUFG Union Bank, N.A.”
“MUFG Union Bank, d.b.a. as UnionBank, is wholly owned by MUFG pending regulatory approval to complete the sale to U.S. Bancorp”
"it now anticipates the bank’s sale to U.S. Bancorp will be completed in the second half of 2022."
U.S. Bancorp will probably close Purepoint, in my opinion.
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Discover was 1.00%, now 1.10%
Discover AAII was 1.05%, now 1.15%
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Patriot 1.45%
https://www.savebetter.com/bank/patriot-bank/patriot-bank-high-yield-money-market-deposit-account
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Suze Orman deal is still good until 12/31/2022
Deposit at least $100 a month—for 12 consecutive months—into The Ultimate
Opportunity Savings Account. Not only will you earn the current interest rate of
1.20% APY, but after those 12 consecutive months, you’ll also get a $100 bonus!
https://ww2.alliantcreditunion.org/ultimate-opportunity-savings
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Just noticed Ivy Bank has a exception
"California residents are not eligible for Ivy Bank products and services"
Makes it about 88% nationally available
Notation or delete ?Ivy Bank, although not nationally available due to not allowing California residents as @goldsheet mentioned upthread, is up to 1.70%
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Personal Capital Cash was 1.40%, now 1.50%
Quontic High Yield Savings was 1.25%, now 1.58%
Total Direct Bank was 0.85%, now 1.20%
