Posts made by atikovi

Roger Bank savings was 5% now 4.65%

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

MyBankingDirect was 4.45%, now 4.40%

Roger that. And I did, a big chunk. MBD is one of the few online banks that let you wire funds online. Just expect to get phone call confirmation.

Roger has very low ACH limits for transfers originating through Roger. I could only move $500 from my external account into my Roger account. When I called, they said they could make a exception but would take a few days for approval. The only good thing was that the $500 transfer was done next day. Not sure if a higher amount would be the same.

@goldsheet I filled out the online forms and thought I indicated saving account, but when I went to log in, it only shows my checking account. Called customer service today and was able to add the savings account.

@goldsheet They require you to open a checking account along with the savings. Not a big deal as you don’t have to use it.

Brilliant Bank MMA was 4.70% now 4.50% APY

@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.

Well I guess I did.

@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.

It’s on this page now https://us.cibc.com/en/agility/agility-savings.html?utm_source=onlinebanking&utm_medium=banner&utm_campaign=+AgilityClientRed

@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.