Best posts made by goldsheet

@c3 with the 0.50% referral bonus and the 0.10% AARP bonus I am now getting 1.45% on Marcus = WOW !

Alliant Credit Union was 0.60%, now 0.75%
Varo Money was 0.50%, now1.20%

CIBC Agility was 0.72%, now 0.87%
www.rejohnsonjr.com/SAVINGS.HTM
(Also have my referral links on above link)

TAB Bank 1.26%
https://www.tabbank.com/high-yield-savings

Two new ones, not greatest rate
Ivy Bank 0.85%
https://www.ivybank.com/savings
Total Direct Bank 0.85%
https://www.totaldirectbank.com/personal/money-market-accounts

Ivy Bank just went to 1.15%
https://www.ivybank.com/savings

@craig10x Astra is slow
Scheduled on May 18, showed up on May 24 as follows
"May 24 Astra Inc. Direct Deposit $25.00"
and my SoFi rate immediately went to 1.25%

Update: did another transaction on the 23rd that showed up on the 26th.
The 6-day transaction above included a weekend where the 3-day transaction was on weekdays.
Really shouldn’t make a difference but it’s a plausible explanation ?

@craig10x

And i see it does say Direct Deposit…Did it work for you this month (June) as well?

My June transfer was scheduled for the 15th.
I moved it to Monday the 13th so we can see what happens next week !

Luana Savings Bank
https://luanasavingsbank.com/pages/deposit/now_money_market.asp
Deposit Balance Interest Rate APY
$0 - $49,999.99 1.250% 1.260%
$50,000 - $99,999.99 1.350% 1.360%
$100,000 - $249,999.99 1.450% 1.460%
$250,000 - $749,999.99 1.500% 1.510%
$750,000 and above 1.550% 1.560%

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

CIBC Agility Savings Account now 1.27% but it won’t let you pull money from an external account. You can only go from the external account into CIBC.

In March 2021 I made a substantial withdrawal from CBIC initiated from an external account. Worked then, don’t know if rules have changed,

In response to the Federal Reserve raising interest rates, Enzo has raised the interest rate on the Enzo Deposit Account to 1.49%, effective 6/16/22.

https://www.joinenzo.com/

@craig10x
My Astra deposit initiated on Monday 13th credited today 16th.
Shows as “Deposit” unlike “Direct Deposit” last time.
Think they may have figured out it was not a real DD.

UFB Direct Money Market 1.51%
No monthly maintenance fees with a $5,000.00 balance,
otherwise fee is $10.00 per month
https://www.ufbdirect.com/Savings/Money-Market

Update on one of my earlier "different opportunity"
Enzo is another fintech
(Banking services provided by Blue Ridge Bank N.A.; Member FDIC)
Earlier this year they had a $50 signup, no longer available
Still some advantages of being a “Founding Member”

1. We plan to raise the interest rate on the Enzo Checking Account to 2.15% effective August 1st, 2022.
2. As a reward for your support, once we reach 25,000 Enzo Customers, we plan to reward
   all our Founding Members by raising the interest rate to 3.10% on the Enzo Checking Account
3. We are granting equity to our early members and reserving a piece of the company to permanently be owned by you.
   There are currently at 5,763 member per
   https://help.joinenzo.com/hc/en-us/articles/7340953900692
   Join here: https://www.joinenzo.com

Discover Online Savings 1.00%
Discover AAII Savings 1.05%
Sallie Mae Money Market 1.20%
SAlli Mae High Yield Savings 1.10%

Brio DIrect was 1.80%, now 2.15%
Lending Club was 1.52%, now 2.07%
Vio Cornerstone was 1.65%. now 1.85%

CIT Savings Connect was 1.65%, now 1.90%
Salem 5 was 1.01%, now 1.65%
Liberty Savings Bank was 1.25%, now 1.51%
Capital One 360 was 1.20%, now 1.30%
American Express was 1.15%, now 1.25%
PenFed was 1.00%, now 1.20%

My Banking Direct High Yield Savings was 2.02%, now 2.20%
Tab Bank was 1.68%, now 1.92%

Bread was 1.65% now 2.15%

Patriot was 1.65 now 2.05

First Foundation was 1.65%, now 2.02%

IGO was 1.50%, now 1.85%
Capital One 360 was 1.30%, now 1.50%
State Bank of Texas was 1.50%, now 1.85%

CIBC was 1.66%, now 1.95%
Live Oak was 1.40%, now 1.75%
Bank7 was 0.90%, now 1.50%
American Express was 1.25%, now 1.40%

Vio Cornerstone Money Market was 1.85%, now 2.10%
UFB Direct Savings was 1.81%, now 2.21%
Total Direct was 1.50%, now 2.00%
Bask was 2.02%, now 2.20%

Alliant CU was 1.40%, now 1.60%

UFB Direct is playing games again.
If you currently have the UFB Direct Saving account (old), it still pays only 1.81%
The (new) UFB Direct Rewards Saving account now pays 2.21%
You have to ask them to convert “Savings” to "Reward Savings"
Account numbers stay the same, but you get new higher rate,

UFB, along with CIT and Popular Direct, are known for creating
"new" accounts and leaving “old” accounts at the old lower rate.

https://www.ufbdirect.com/Savings/UFB-Rewards-Savings

Republic Bank Chicago 2.26%
Edited: Not nationwide, all states except IL, IN, MI, and WI.

Live Oak was 1.75%, now 2.00%

UFB Rewards Savings was 2.21%, now 2.61%
Brilliant Bank Money Market 2.61%
(except Arkansas, Kansas, Missouri, and Oklahoma)
https://www.brilliant.bank/saving/

@atikovi
It appears your funds are deposited at SkyOne Federal Credit Union, NCUA insured.
Central Bank of Kansas City acts as Custodian Bank on behalf of SaveBetter
to move you funds in/out of the several banks and credit unions they sponsor.

First Foundation was 2.25%, now 2.75 %

@my4mainecoons
SoFi has a similar offer but I just found out about it and it expires 9/30
Probably not enough time to successfully ACH funds
FYI: https://www.sofi.com/banking/balance-offer/

Note: UFB has offered another new account
If you have UFB Direct Rewards Savings your rate is 2.60% APY
The new UFB Direct Elite Savings rate is 2.85% APY
https://www.ufbdirect.com/Savings/UFB-Elite-Savings

@atikovi I did a little research and the 360 Money Market account is no longer available to new customers. As a result, I think the offer posted was a targeted offer for previous customers.

New one via Savebetter
Lemmata Savings 2.80%
https://www.savebetter.com/banks/lemmata-savings-bank/money-market-deposit-account

@alanmax
Banks that offer new accounts instead of raising rates on old one:
Brio, CIT, Popular, UFB
Any others ?
Note: I applied for “UFB Elite Savings” 2.85% - approved in 1 day
Applied for and waiting on “Brio High Yield Savings Plus” 2.80%

Everyone check your rates on your UFB accounts
The original savings paid 1.81% and may still be at that rate,
REWARDS savings came out at 2.21% and may still be at that or 2.61%
ELITE savings came out at 2.85% and almost immediately went to 3.01%
A simple email request will upgrade your account to the highest rate
(until they come out with another account ! )

Also, my BrioDirect Saving is still at 2.15%
Have to apply for BrioDirect Savings PLUS to get the 2.80%

If you are a Vanguard customer - Rate increased from 2.25% to 3.00%
The Vanguard Cash Plus Account is a new high-priority product for Vanguard and our clients.
https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account

Dollar Savings Direct raised from 3.00% to 3.01%
In an attempt to claim “America’s Highest Rate”

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

@goldsheet it says by invitation only. I have been Vanguard Flagship for many years and have yet to receive an invitation.

Just making aware of the product.
Did you try applying through your Vanguard login ?
No harm in trying.

Can also use code on new application
"If you’d rather open a new eligible Ally Bank account,
do so by 10/21/2022 with offer code GETPAID"

FYI: We will continue to raise rates as the Federal Reserve continues to raise rates, with the next FOMC decision on 11/2. Based on current market expectations, the Enzo interest rate is projected to increase to 3.57% APY on 11/3. https://www.joinenzo.com/

@atikovi I made the mistake of closing, so I emailed them
"I have reopened your NBD MM account and we will convert it to the
new NBD MM Premier earning 3.25% APY, 3.20% rate with all the same
features as the NBD MM.
Everything else will remain the same including your account number
and if you have checks they are good to use."

New #1
Salem Five Direct was 2.5% now 3.5%

Of course the catch is "eOne Savings eligibility is limited to consumers who apply online and who do not have an existing checking or savings account with Salem Five Bank at the time of the application, except that consumers with an existing eOne Checking Account are eligible for the eOne Savings Account."
https://www.salemfivedirect.com/#eonesavings

Didn’t notice if anyone posted the huge Discover bonus.

Get a $450 bonus when you apply for your first Discover Online Savings
Account and deposit a total of at least $35,000 into your account within 30 days.
https://www.discover.com/online-banking/savings-lng-04/?TPR=091

CIBC Agility Online Savings was 2.51%, now 3.03%
American Express Savings was 2.25% now 2.35%
TIAA was 1.85%, now 2.10%

Upgrade Premier Savings 3.50%
$1,000 minimum to earn interest
No monthly account fees or transfer fees
FDIC insured up to $250,000 through Cross River Bank
Not available to existing Rewards Checking or High Yield Savings customers.
https://www.upgrade.com/premier-savings

@platypus At only 3.05% Bask was on my transfer list but I
decided to wait another week just in case and it paid off at 3.60%

@jtownsucks46

Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%

Brio was stuck at 2.80% for so long I moved most of my money out, mostly to CFG !

@mtnagel
Yes, I mentioned previously Brio did the “switch-a-roo”
(like UFB, Popular, CIT, Salem Five, and a few others)
I have:
BRIODIRECT MONEY MARKET Interest Rate 0.698 %
BRIODIRECT SAVINGS Interest Rate 2.127 %
BRIODIRECT SAVINGS PLUS Interest Rate 3.682 %

Dollar Savings Direct is now “More Money for Your Money”

First Foundation was 3.10%, now 3.60%