Best posts made by goldsheet

Salem Five eOne Savings down to 2.35% (was 2.51%)
Result: Down from #3 on list to about #19

Off Topic
Hope everyone is safe and well.
Due to lower rates my income has dropped.
Recently reapplied to my health insurance (CoveredCA) which increased my assistance and decreased my monthly payment,
I’d rather have more interest, but I’ll take what I can get !

We’re writing to let you know the Annual Percentage Yield (APY) on your HSBC
Direct Savings account is changing from 0.50% to 0.30% starting November 03, 2020.

Discover Savings was 0.60%, now 0.55%

CIBC was 0.62%, now 0.52%
Simple Savings was 0.60%, now 0.50%

All Top Three Rates Have Dropped
Merchant’s Bank Money Market Savings was 1.00%, now 0.75%
National Cooperative Bank Impact Money Market was 0.91%, now 0.60%
Community Wide Federal Credit Union High Rate Quarterly was 0.90%, now 0.70%

ConnectOneBank Online Savings was 0.70%, now 0.65%
Northern Bank Direct was 0.60%, now 0.50%
Simple Savings was 0.60%, now 0.50%
PenFed Premium Online Savings was 0.60%, now 0.55%
Community Wide Federal Credit Union High Rate Monthly was 0.60%, now 0.40%
Rising Bank High Yield Savings Account was 0.60%, now 0.50%
Ally Bank Online Savings was 0.60%, now 0.50%
American Express HYS was 0.60%, now 0.50%
Able Banking MMA was 0.60%, now 0.50%

ConnectOne Bank Online Savings was 0.70%, now 0.65%
PenFed Premium Online Savings was 0.60%, now 0.55%
Rising Bank High Yield Savings Account was 0.60%, now 0.50%
Salem Five eOne Savings was 0.61%, now 0.50%

RATE INCREASES
Lending Club High Yield Savings, was 0.60%, now 0.65%
Vio Cornerstone Money Market, was 0.55%, now 0.66%
Barclays Online Savings, was 0.50%, now 0.55%
Synchrony Bank HYS, was 0.50%, now 0.60%
Live Oak Bank Savings, was 0.50%, now 0.60%
Tab Bank High Yield Savings, was 0.50%, now 0.65%

Ally was 2.75%, now 3.00% effective 11/22/2022

Marcus was 3.90%, now 4.15%
Medallion Bank (via Savebetter) was 4.82%, now 5.02%
CIT Platinum was 4.75%, now 4.85%
CIT Savings Connect was 4.50%, now 4.60%

Not the highest rate (2.25% APY) but an easy $100 bonus.
Get $100 when you deposit $10,000 or more in new funds into a new or existing
Online Savings Account within 10 days of enrollment, and maintain those funds
plus your current balance for 90 days. Must enroll by 3/18/19.
https://www.marcus.com/us/en/savings/osa-savingsbonus

EDITED POST: Promotion expired .
New BONUS Offer from Marcus
Marcus high-yield Online Savings Account.
Enroll in this offer by 11:59 pm ET on 7/29/19.

Another online high-yield savings account.
2.46% APY Only $25 to open. No monthly fee
https://www.briodirectbanking.com/high-yield-savings/

Synchrony Bank HYS 2.00% (was 2.15%)
Barclays 2.00% (was 2.10%)
Discover AAII 1.95% (was 2.05%)
Discover OSA 1.90% (was 2.00%)
Self Help CU 1.58% (was 1.69%)

CIT Money Market Account seems to be unavailable.

P.S. Went through entire list to check all rates.

Rate increased from 2.00% to 2.15% with bonuses available

Open a new Simple Account by 10/31/2019 4:59 PM PT.
Earn $250
Deposit(s) totaling $10,000 or more must post to the new Account by 11/15/2019 4:59 PM PT.
Maintain a balance of at least $10,000 through 1/31/2019 4:59 PM PT.

Earn $500
Deposit(s) totaling $20,000 or more must post to the new Account by 11/15/2019 4:59 PM PT.
Maintain a balance of at least $20,000 through 1/31/2019 4:59 PM PT.

https://www.simple.com/offer-v1

Barclays 1.90% (was 2.00%)
https://www.banking.barclaysus.com/online-savings.html

Popular Direct Ultimate Savings 2.30% (was 2.40%)
https://www.populardirect.com/products/savings/popular-direct-ultimate-savings

2.40% APY, $1K minimum, new money only
https://firstfoundationinc.com/personal-banking/bank/online-savings

Popular Direct Ultimate Savings 2.15% (was 2.30%)

All American and Redneck 2.25% (was 2.40%)

Regarding PNC, they have a Virtual Wallet product that has a Growth category for savings.
The current rate is 2.15%
If you have one of their credit cards and make 5 monthly purchases the rate goes to 2.20%
PNC Cash Rewards is a good card (Earn 4% on gas station purchases, Earn 3% on dining purchases at restaurants, including fast food, Earn 2% on grocery store purchases, Earn 1% on all other purchases)

These products are only available outside their service area (not nationally), but I just thought I would let you know.
https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html

CFG High Yield Money Market
2.15% $1,000.00 - $24,999.99
2.30% $25,000.00+
Rates Effective November 13, 2019
https://www.thecfgbank.com/deposit-rates

CFG High Yield Money Market
https://www.thecfgbank.com/deposit-rates
Rates Effective December 11, 2019
2.10% (was 2.15%) $1,000.00 - $24,999.99
2.25% (was 2.30%) $25,000.00+

Brio 2.10% (was 2.20%) https://www.briodirectbanking.com/high-yield-savings/
Simple 1.90% (was 2.15%) https://www.simple.com/online-banking/high-yield-accounts

Patriot Bank Money Market dropped to 2.00% already (was2.26%)

CFG <25K 2.05% (was 2.10%) >25K 2.15% (was 2.25%)
Brio Direct 2.05% (was 2.10%)
HSBC 2.00% (was 2.05%)
Both UFB accounts down to 1.90% (were 2.00%)
Vio Bank 1.95% (was 2.02%)
TAB Bank 1.90% (was 2.10%)
Comenity Direct 1.90% (was 2.00%)
WebBank 1.86% (was 1.95%)
Northpointe both accounts 1.85% (was 1.95%)
Bank 7 1.76% (was 1.91%)
MySavingsDirect 1.80% (was 1.90%)
CIT Bank Savings Builder 1.80% (was 1.85%)
Wealthfront Cash 1.78% (was 1.82%)
State Farm Bank 1.75% (was 1.85%)
Synchrony Bank 1.70% (was 1.80%)
Northfield Bank Platinum Savings 1.65% (was 1.90%)

Brio Direct 2.00% (was 2.05%)
https://www.briodirectbanking.com/high-yield-savings/

DELETED

CIBC is dropping rate to 1.45% effective March 10.
The signup bonus is still available until March 16.
https://us.cibc.com/en/agility/agility-savings.html
Earn $200 when you deposit at least $25,000
Earn $400 when you deposit at least $50,000
Offer ends March 16, 2020
REQUIREMENTS
Open a new CIBC Agility Savings Account by March 16, 2020, and make your deposit within 15 days of opening your account.
Sign up for online eStatements within 15 days of opening your account, available through CIBC US Online Banking.
Keep the money in your account for 120 days.

First Foundation 1.75% (was 2.00%)

Thought it was (or used to be) on list
Northern Bank Direct
1.75% APY
Minimum of $5,000 to open
https://www.northernbankdirect.com/money-market

Marcus 1.55 was 1.70

CIT SAVINGS BUILDER was 1.70%, now 1.55%
CIT MONEY MARKET was 1.75%, now 1.65%
ConnectOneBank Online Savings was 1.75%, now 1.50% (that didn’t last long)

Simple Savings: was 1.55%, now 1.40%
HSBC Direct Savings was 1.70%, now 1.60%
Popular Direct Ultimate Savings was 1.70%, now 1.65%
Synchrony Bank HYS was 1.50%, now 1.30%
SmartyPig was 1.40%, now 1.30%

Popular Direct Ultimate Savings was 1.65%, now 1.60%

First Foundation was 1.75%, now 1.60%

Northern Bank Direct MM was 1.50%. now 1.25%
https://www.northernbankdirect.com/money-market

Nationwide(Axos) Bank Savings was 1.61%, now 1.51%

First Foundation was 1.60%, now 1.45%

Patriot Bank was 1.75%, now 1.40%
Dollar Savings Direct was 1.40%, now 1.30%
Citizens Access was 1.30%, now 1.15%
Popular Direct Ultimate was 1.30%, now 1.20%
Marcus was 1.30%, now 1.05%

@jtownsucks46
Nationwide apparently changed the rules (making it hard to get the 1.40%)
"Earn up to 1.40% APY with My Savings when you open a My Checking account and set up a $1,000 direct deposit. Easy peasy.“
OR
"Not ready for a My Checking account? You can still earn 1.00% APY* with a My Savings account, a la carte.”

My Nationwide Summary
Regular earns 1.30% if balance over $300
Money Market earns 1.30% if balance over $10,000
MySaving is 1.40% with MyChecking
MySaving is 1.00% without MyChecking

Personal note: This is the same silliness Axos did when they were Bank of the Internet and UFB Direct.
I should have known better. My account now shows 1.00% = not amused.
(just opened a Regular @1.30% to get my money out of 1.00% MySavings)

CIBC was 1.35%, now 1.15%

redneckbank Mega Money Market is 1.10% APY as of today 6/22/20
I no longer see the high rate savings account listed on the all america bank site
Appears they are now calling it “Mega Money Market® Checking” at 1.10%
Wallet style checks are available.
LINK: https://allamerica.bank/personal/banking/checking/mega-money-market-checking

National Cooperative Bank Impact Money Market was 1.52%, now 1.11% (OUCH!)
PurePoint was 1.01%, now 0.80%
Vio Bank was 1.21%, now 1.11%

CIBC Agility High Interest Savings Account was 1.15%. now 1.05%
Western States was 1.10%, now 0.75%

Vio was 1.11%, now 1.04%

Northern Bank Direct MM was 1.00%, now 0.90%
https://www.northernbankdirect.com/

Vio Bank was 1.04%. now 1.01%

CIBC was 1.05%, is 0.90%, effective today. (8/17)

Customer’s Bank Ascent Money Market was 1.25%, now 1.10%
American Express HYS was 1.00%, now 0.80%