@sacarface said in Best Nationally Available High APY Liquid Accounts:
6.17% APY
https://www.dcu.org/personal-banking/savings-reg-shar.html
I do not believe they do an Hard Pull to open account with them, they will do a Soft Pull. I would still give them a shot.
Up to $1,000, then 0.25%. Not worth the time applying.
Awesome! Just got the account a few days ago. Assume this move will allow them to keep that rate longer than if they got flooded with more depositors.
@craig10x said in Best Nationally Available High APY Liquid Accounts:
@atikovi
The Money Market Account was always 1.80%What is gone is offering of the High Yield Savings Account with 2.50% apy…
That was short…it only came out a MONTH ago (LOL)
But existing accounts of the High Yield Savings Account still get 2.50%?
@paazel said in Best Nationally Available High APY Liquid Accounts:
EBSB looks like it’s down to 1.80%
You must be looking at the money market account. My EBSB DIRECT HIGH YIELD SAVINGS still shows 2.50%.
@fivetalents said
No photocopies
So how do you use it? Isn’t a coupon printed on your home printer same as a photocopy?
@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:
Northpointe Bank now offering an account paying 2.30% guaranteed for 12 months with minimum deposit of $100,000. https://www.northpointe.com/earn230/
Weren’t they the bank that credited interest quarterly? On this account it’s monthly.
Yes on their 1.95% account which requires a minimum of $25,000, it’s credited quarterly.
So is this the same account? I have 1 cent in it after transferring the money to higher rate accounts. If I put $25K+ back in will I get 2.30% or do I have to ask them or do I have to open a new account?
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Northpointe Bank now offering an account paying 2.30% guaranteed for 12 months with minimum deposit of $100,000. https://www.northpointe.com/earn230/
Weren’t they the bank that credited interest quarterly? On this account it’s monthly.
Probably a rewards checking account.
@zerenia said in Best Nationally Available High APY Liquid Accounts:
Breakeven is at three months by my reckoning. For example, put $5K in at 2.65%, so you would earn (rounded, and without compounding), $11.04 per month. To equal the $25 termination fee, you would have to stay in at least three months
I think most people have 6 figures in these accounts so that fee is small change. I was getting nearly $300 a month interest before transferring to a higher interest bank.
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@zerenia said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
So? Just drop your balance to $0.01.
You actually have to drop it to $500 in order to avoid a fee, HOWEVER, Popular has been consistently raising their rates to be at or near the top of all banks during this calendar year so unlikely that they’ll drop their rates…
Damn! Must have missed that. I dropped it to 1 cent at the beginning of the month after going to another bank.
@zerenia said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Popular Direct up to 2.26%
Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.
-Z
So? Just drop your balance to $0.01.
@turtlebug said in Best Nationally Available High APY Liquid Accounts:
EBSB Direct
They mention,
As a member of both the Federal Deposit Insurance Corporation and the Deposit Insurance Fund of Massachusetts, all of your deposits are insured in full. That means that every dollar you have on deposit with East Boston Savings Bank is fully insured without limit.
How safe is that Deposit Insurance Fund of Massachusetts compared to the FDIC?