@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?
@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.
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.
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
CFBank Savings(via raisin) was 4.60% now 4.50%
It shows 5.00% APY on my MMA and no mention of Raisin on their website.
Poppy Bank savings down from 5.50% to 5.00%.
@tedteddy said in Robinhood is offering a new 3% cash back credit card.:
Coastal Community Bank
4 months later it says there is a wait list. Whole thing sounds fishy. 3% is more than many merchants pay in processing fees, so how does Robinhood make any money here?
Anybody know something about Mercedes Demand notes paying 5.50%? https://firstclassdemandnotes.com/start Not FDIC insured and not any higher return than the top rates from insured accounts, but maybe as rates start to fall?
@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.pdf
Just got my CIBC $500 bonus.
@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%
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank
I’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.
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.
@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.pd
Is this still available? Link says, The page you entered was not found. It may no longer exist, or it may have been moved.
Primis Savings account from 5.10% to 5.16%
As of July 10, 2023, the annual percentage yield (APY) on your CIBC Agility™ Online Savings Account increased to 4.67% APY.
Western State Bank MMA raised their rate to 5.15% APY.
Don’t even see that choice on menu anymore.
Luminary MMA no longer available for new customers. Existing customers keep the current rate at least for the time being.
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Andrews Federal Credit Union 5.75%
Special Limited-Time Only Online Savings Account
Now open to new accounts through December 31, 2023.
Compliments the base share savings account as an additional account.
Dividends are credited and compounded monthly.
If the average daily balance of the account exceeds $1,000
https://www.andrewsfcu.org/Learn/Resources/Rates/Savings-Rates$5 to open base share savings account
Easy membership via American Consumer Council (join for $8)
https://www.americanconsumercouncil.org/
You did read where it says balances over $1,000 will earn 0.05%. Pretty worthless account I’d think.
Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY)
$.01 - 1,000.00 5.630% 5.75%
$1,000.01 and greater 0.050% 0.05%
My Banking Direct
Your High Yield Savings Account increased to 5.00% APY.
@bob-black said in Some of the quickest online ACH transfers I've seen:
cryptocurrency transfers are generally more secure and transparent than ACH transfers. Because cryptocurrency transactions are recorded on a public blockchain ledger, there is a clear record of all transactions, which makes it more difficult for fraudsters to carry out fraudulent activities.
Say what? I thought CC is favored for being untraceable and anonymous transactions favored by drug dealers and tax evaders.
High Yield Money Market Account at Western State Bank. Effective April 4, 2023, your High Yield Money Market Account will earn 4.55% APY.*
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank High Yield Savings was 4.25% now 4.50%
Which is different from their Indexed savings account paying 4.75%, right?
Correct; I believe we’ll see an update on the Indexed account on the first of the month.
So what’s the difference between the two? The savings account can change rates any time. The indexed account, just at the beginning of the month. Why is this a big deal, or is it?
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank High Yield Savings was 4.25% now 4.50%
Which is different from their Indexed savings account paying 4.75%, right?
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accountsDid not last long: Total Direct was 5.05%, now DOWN to 4.50%
Good luck opening an account. When they deny you they wont give any reason. Glad they did now.
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts
**Thank you for applying for an account with us at TotalDirectBank.
We regret to inform you that we cannot approve your new account application.
We are unable to provide additional information.**
WTH? You can’t tell me WHY I wasn’t approved? I have opened half a dozen bank accounts the last 90 days and they didn’t approve me and WONT say why?