Best Nationally Available High APY Liquid Accounts
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Timbr Savings was 5.25%, now 5.05%
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Patriot Bank was 5.10%, now 5.05%
Vio Bank was 4.77%, now 4.66%
MyBankingDirect (Flagstar) was 4.75%, now 4.65%
Bread was 4.65%, now 4.60%
CFG was 4.75%, now 4.52%
Western State Bank was 4.50%, now 4.15%
CIT was 4.35%, now 4.20%
UFB was 4.31%, now 4.01%
Live Oak was 4.30%, now 4.20%
Synchrony was 4.30%, now 4.10%
Valley Direct was 4.25%. now 4.00%
Barclays was 4.20%, now 4.10%
Citizens Access was 4.15%, now 3.90%
Discover was 4.10%, now 3.90%
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Bank of Hope 5.10% appears to be dead. Account removed from the website. Not sure if current customers are still earning 5.10% or if they’ve lowered.
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Open Bank was 5.00%, now 4.75%
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Bank5 Connect Jumbo Savings was 4.60% now 4.50%
Ivy Bank Savings was 4.60% now 4.25%
Merchant’s Bank of Indiana MM was 4.50% now 4.25%
Virtual Bank MM was 4.50% now 4.25%
US Alliance Financial Savings was 4.05% now 3.90%
American Express National Bank Savings was 3.90% now 3.80%
Discover Bank Savings was 3.90% now 3.75%
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TIMBR (Bridgewater Bank) Savings was 5.05% now 4.80%
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Bask was 4.65%, now 4.50%
Laurel Road was 4.50%, now 4.15%
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Valley Direct Savings(new customer rate) was 4.80% now 4.55%
First Foundation Savings & MM was 4.75% now 4.50%
First Internet Bank Savings was 4.69% now 4.42%
Bread Financial Savings was 4.60% now 4.50%
Evergreen Bank Savings was 4.50% now 4.25%
Republic Bank of Chicago MM was 4.46% now 4.30%
Barclays Bank Savings was 4.10% now 4.00%
Empower Personal Cash was 4.00% now 3.75%
Citizens Bank Access Savings was 3.90% now 3.70%
FNBO Direct Savings was 3.90% now 3.75%
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EverBank Performance Savings was 4.75% now 4.40%
CIT Bank Platinum Savings was 4.55% now 4.35%
CIBC Bank Agility Savings was 4.51% now 4.38%
My Savings Direct (Emigrant Bank) Savings was 4.35% now 4.10%
EverBank Performance MM was 4.30% now 4.00%
Dollar Savings Direct (Emigrant Bank) Savings was 4.25% now 4.00%
CIT Bank Savings Connect was 4.20% now 4.00%
Quontic Bank Savings was 4.00% now 3.85%
Emigrant Direct (Emigrant Bank) was 4.00% now 3.75%
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Newtek was 4.90%, now 4.70%
Brio Direct was 4.85%, now 4.75%
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Total Bank MM was 4.86% now 4.67%
MyBankingDirect Savings was 4.65% now 4.55%
Prime Alliance Bank Savings was 4.50% now 4.15%
SalemFiveDirect Savings was 4.25% now 4.01%
Webull Cash Management was 4.00% now 3.75%
Paramount Bank Checking was 2.50% now 2.25%
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We wanted to inform you that effective January 3, 2025,
the Pibank Savings Annual Percentage Yield (APY*)
will be updated from 5.00% to 4.75% APYBetterment was 4.25%, now 4.00%
Wealthfront was 4.25%, now 4.00%
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Northern Bank Direct MM was 4.75% now 4.50%
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Vio Bank Money Market Savings was 4.66% now 4.56%
Valley Direct Savings was 4.55% now 3.75%
Western Alliance Bank Savings was 4.46% now 4.40%
CommunityWide FCU Monthly Savings was 4.25% now 4.00%
iGoBanking Index MM was 4.12% now 3.90%
Bank Purely Index MM was 4.12% now 3.90%
E-Trade by Morgan Stanley Private Bank was 4.10% now 4.00%
Self Help CU MM was 2.64% now 2.43%
CommunityWide FCU Savings was 1.25% now 1.00%
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Poppy Bank Savings was 4.75% now 4.50%
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Patriot Bank Money Market (5.05%) appears to be no longer available
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Zynlo Bank Tomorrow Savings was 5.00% now 4.50%
Zynlo Bank Money Market was 5.00% now 4.40%
Poppy Bank Savings was 4.75% now 4.50%
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Jenius was 4.80%, now 4.50%
Lending Club was 4.75%, now 4.50%
Rising Bank was 4.50%, now 4.40%
Western Alliance was 4.46%, now 4.40%
Upgrade was 4.41%, now 4.14%
Tab was 4.37% , now 4.26%
CIT Savings Connect was 4.20%, now 4.00%
Bank Purely was 4.12%, now 3.90%
IGO was 4.12%, now 3.90%
E*Trade was 4.10%, now 4.00%
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Primis Savings starting on January 10, 2025, your account(s) will earn a variable interest rate of 4.31% with an annual percentage yield (APY*) of 4.40%. Down from 4.70% APY.
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MyBankingDirect was 4.55%, now 4.45%
Zynlo was 4.50%, now 4.40%
Primis Savings was 4.70%, now 4.35%
Primis Checking was 4.50%, now 4.20%
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Western State Bank was 4.15%, now 4.00%
Sallia Mae Money Market was 4.10%, now 4.00%
Sallia Mae Savings was 4.10%, now 4.00%
Smarty Pig was 4.10%, now 4.00%
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Vio Bank Cornerstone MM was 4.56% now 4.46%
CFG Bank MM was 4.52% now 4.37%
Zynlo Bank Tomorrow Savings was 4.50% now 4.35%
Northern Bank Direct MM was 4.50% now 4.25%
Bank5 Connect Jumbo Savings was 4.50% now 4.25%
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FYI “from late 2019 to mid-2024, Capital One lowered and then froze the 360 Savings account rate to just 0.30%, even as rates increased nationwide. In contrast, starting in early 2022, Capital One increased the 360 Performance Savings account rate. In fact, the rate went from 0.40% in April 2022 to 3.30% as of January 2023, and 4.35% as of January 2024”
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
FYI “from late 2019 to mid-2024, Capital One lowered and then froze the 360 Savings account rate to just 0.30%, even as rates increased nationwide. In contrast, starting in early 2022, Capital One increased the 360 Performance Savings account rate. In fact, the rate went from 0.40% in April 2022 to 3.30% as of January 2023, and 4.35% as of January 2024”
Yes, I noticed that. It seemed very strange that their rates were near zero at a time when the interest rates were skyrocketing everywhere else… I have two children savings accounts with capital one and I’ve noticed ever since about a year ago, the rates have went up quite a bit…
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@goldsheet Are people so stupid that they don’t regularly check available interest rates at their own or other banks? What makes this a lawsuit? Nothing except some money grabbing class action lawyers that will make millions in fees and the average account holder might get $10.
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@mrvietnam My girlfriend had a 360 account, which she never checked,
so my rough calculations indicates she may have lost about $5000
in interest over 4 years based on rates and deposited amount.
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@atikovi Lots of folks have got caught in the "new account for a better rate"
while leaving old one out (UFB, Salem Five, CIT, and a few others do this)
Capital One made such a minor change in the name it’s more egregious
than all the others. Not everyone tracks and chases rates like we do.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Not everyone tracks and chases rates like we do.
So what about that, does a lawsuit make? If your nearby Exxon station sells gas for $4, but one a mile down the road sells it for $3.50, can you sue the first one for price gouging?
