Not a savings account but an interesting nationally available liquid CD that I’d like to share with the group.
It’s a one-year CD but what makes it unusual is
Vio Cornerstone was 5.25% now 5.28%
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
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brilliant Bank MM was 4.65% now 5.35%
Now called "Surge Money Market"
Sent email and they promptly converted my old Luminary (5.25%) to Surge (5.35%)
@c3 said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
You must open a new PenFed Premium Online Savings account
It also works for depositing new money into an existing account.
Yes, they updated the terms https://www.penfed.org/getmyoffer1115
First Foundation is now playing "account games"
First Foundation Bank Online Savings account remains at 5.00%
but
First Foundation Bank Online Money Market is now higher at 5.25%
https://www.firstfoundationinc.com/personal-banking/bank/online-money-market-account
UFB also has new accounts
UFB Secure Savings and UFB Secure Money Market both at 5.25%
Watch out they don’t drop rate on
UFB High Yield Savings and UFB High Yield Money Market
4 banks on Raisin at 5.30%, with this one highest at 5.32%
https://www.raisin.com/en-us/credit-unions/uncle-credit-union
Here’s a brand new one at 5.50% guaranteed for 180 days
https://www.poppy.bank/poppy-premier-online-savings-faqs/
Valley Direct was 5.25% down to 5.05%
No more increases, a few decreases, think rates have topped out.
As a result, putting a few $$ into CD specials.
Western Alliance 5.36%
https://www.westernalliancebancorporation.com/high-yield-savings-premier
$60 signup bonus through Swagbucks
https://www.swagbucks.com/?f=11&q=Western+Alliance+Bank
Going direct is slightly higher than their rate via raisin at 5.32%
Note: Details at Doctor of Credit
https://www.doctorofcredit.com/swagbucks-signup-with-western-alliance-bank-get-60-500-funding-required/
@mtnagel said in Best Nationally Available High APY Liquid Accounts:
Brio Direct still holding strong at 5.35%.
After locking in some CDs at 5.70% and 5.75%, and topping off Milli at 5.50%,
rest is spread across the 5.35% Club (Brio, Brillant, MyBankingDirect)
Two that went up:
Upgrade Premier Savings
Exceptional 5.21% APY on balances of $1,000 or more
https://www.upgrade.com/premier-savings/
Credit Karma MoneyTM Save
Grow your money faster with 5.10% APY
https://www.creditkarma.com/ck-money/savings
Hard to believe but another small increase
Laurel Road (Key Bank) 5.00% to 5.15%
https://www.laurelroad.com/high-yield-savings-account/
Note: They have an excellent $300 welcome bonus on a checking account if you have a real direct deposit.
https://www.laurelroad.com/checking/loyalty-checking/
DOWN: Brio Direct High Yield Savings was 5.35%, now 5.30%
All America and Redneck were 4.90%, now 4.75%
@cooltech
PNC is not offering the account nationwide.
The High Yield Savings Account is only available to those who live outside PNC’s market area.
https://www.synchronybank.com/
HIgh Yield Savings up to 2.20% (was 2.05%)
No experience with CFG, but rate dropped again
Rates Effective January 13, 2020
2.05% (was 2.10%) $1,000.00 - $24,999.99
2.15% (was 2.25%) $25,000.00+
BanesGrow Savings Account: The minimum balance to open a BanesGrow Savings Account is $100.00. The minimum balance to obtain the advertised APY is $300.00.
TotalDirectBank Money Market Account: 2.35% APY
A $50,000 minimum deposit is required to open an account and earn the advertised APY.
https://www.totaldirectbank.com/personal/money-market-accounts
@barrytuneup said in Best Nationally Available High APY Liquid Accounts:
everyone has overlooked the Customers Bank Ascent MM
At the top of the list. not overlooked.
No longer at top of the list
Customers Bank 1.95% (was 2.25%)
https://www.customersbank.com/ascent/
Salem 5 Direct was 0.80%, now 0.61%
Vio Bank was 0.76%, now 0.66%
Synchrony Bank HYS was 0.65%, now 0.60%
@platypus got it in my list above
@atikovi just read the dreaded email
"We’re writing to let you know the interest rate on our Online
Savings account is changing. Starting January 8, our Online
Savings account will earn 0.60% Annual Percentage Yield (APY). "
Deleted my T-Mobile MONEY posts
@dionaea Like your real estate tax method,
Instead of making 2 payments per year, I let one slide into next year.
As a result, every other year I have only 1 tax payment, so take standard deduction.
Then following year have 3 tax payments, so itemize.
Also, I make little charitable contributions in the standard deduction year, then double the amount in the itemize year.
@booksleuth said in Best Nationally Available High APY Liquid Accounts:
@goldsheet I am grateful to all advice from this board.
You’re welcome
@alanmax NEVER, rates are moving up do not lock in a low rate now.
1.10% beats all liquid accounts by 0.10%, and if liquid rates don’t get above 1.20% by the end of 10 months, you might come out a tiny bit ahead.
The 0.65% no penalty CD doesn’t make any sense to me with about 10 liquid account at or above 0.65%, and rising,
Just sharing, all optional options, don’t do if you don’t like, your mileage may vary 
mph.bank
0.71% APY high-yield MMDA
Deposits are FDIC Insured through Liberty Savings Bank
No fees. $1 minimum deposit
https://www.savebetter.com/banks/mph-bank/high-yield-money-market-deposit-account
mph.bank high-yield MMDA
was 0.71% APY. now 0.85% APY
Deposits are FDIC Insured through Liberty Savings Bank
No fees. $1 minimum deposit
https://www.savebetter.com/banks/mph-bank/high-yield-money-market-deposit-account
Converting above table into webpage (html) with links
SAVING TABLE WITH LINKS
@atikovi No idea what SoFi marketing strategy is by offering a premium rate for DD.
Vio Cornerstone was 0.71%, now 0.80%
Rising Bank was 0.55%, now 0.65%
Savings Rate Table
1.11% $100,000 and over
1.00% $20,000 to $99,999.99
https://www.connexuscu.org/accounts/money-market/
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Thanks for updating table.
I tried to keep posting current info.
Thought we lost you 
Marcus was 0.60%, now 0.70%
Can also get an extra 0.50% for three months, for 1.20% total
https://www.marcus.com/share/ROB-F67-KYRZ
Bread was 1.00%, now 1.15%
Quontic High Yield Savings was 0.75%, now 1.01%
http://www.rejohnsonjr.com/SAVINGS.HTM
Vio Bank Cornerstone was 0.80%, now 1.03%
https://www.viobank.com/cornerstone-money-market-savings