Best posts made by goldsheet

UFB at it again with a new
UFB High Rate Savings Account
Balance Tiers APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 3.71% 3.64%
$50,000 - $99,999.99 3.83% 3.76%
$100,000 or greater 3.83% 3.76%
https://www.ufbdirect.com/Savings/ufb-high-rate-savings

LAUNCHING IN 2023
We’re preparing a new, FDIC-insured, High-Yield Savings Account
with no minimum deposit and an industry-leading 4.50% APY,
exclusively for M1 Plus members. ($125 annual membership fee)
https://m1.com/save/high-yield-savings-accounts/

https://m1.com/save/high-yield-savings-accounts/

T‑Mobile MONEY
Checking and Savings accounts earn 2.25% annual percentage yield (APY*).
Starting December 1, 2022, the interest rate on all accounts increases to 2.50% APY.

@jtownsucks46

Nationally available except IL, IN, MI, and WI
I track Republic Bank Chicago, post it, and
keep it on my list, but yes not “Nationally available”
(I’ll try to note that in future posts)
http://www.rejohnsonjr.com/SAVINGS.HTM

Juno keeps promoting crypto, but they have an FDIC insured account
(Evolve Bank & Trust) paying 5% up to $10,000
https://juno.finance/

Andrews 5.00% 7 month Share Certificate still available unit December 14th
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates

REMOVED

INFORMATION ONLY: NOT NATIONWIDE, SELECT MARKETS ONLY
PNC High Yield Savings 4.00% APY
You can check your zip code here:
(shows my zip code, change to yours for your rate)
https://www.pnc.com/en/rates/savings/92057/NA

If you are not a PNC customer already, they have some decent bonuses
(availability depends on location / zip code - YMMV)
https://www.hustlermoneyblog.com/pnc-bank-promotions/

@platypus

You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet.

The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet.

All details at link below

https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-vw-tiered-offer.html

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

@goldsheet said

Please keep in mind, while a third-party may make deposits into your MySavings account, they will not be permitted to make withdrawals out of the account.

Are you sure third-party is the same as ACH withdrawals

I posted the exact reply they gave to my email. I don’t know any more. I suggest you call them for clarification

@platypus Situation is even worse. You can only deposit ACH externally not withdraw. I emailed them and they said:

Thank you for contacting MySavingsDirect We truly appreciate this opportunity to assist you.

MYSavingsDirect will accept third-party deposits into an established savings account.

Your employer/financial institution will ask for your MySavings account number and routing number.

Please keep in mind, while a third-party may make deposits into your MySavings account, they will not be permitted to make withdrawals out of the account.

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

MySavingsDirect MySavings Account now at 4.35% APY with $1 minimum initial deposit. Available nationwide.

Lots of potential issues and headaches with this account, as discussed above.

@c3 I too pulled all my money from SoFi after $1000 bonus was paid.
I was able to use Astra to make a “direct deposit” so I received a decent rate
(as opposed to 1.20% without direct deposit)

Pulling money from Ally after their $500 bonus is next on my to-do-list

Republic Bank Chicago was 4.25%, now 4.28%
All states except IL, IN, MI, and WI.

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UFB Best Savings was 4.11%, now 4.21%
(but my account still shows 4.11%)

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

Check back tomorrow and it should be 4.21%. If not, just call into customer service and they will adjust your rate.

Yes, played the “rate game” many times with UFB
Just wanted to inform it wasn’t instantaneous.
It shows as 4.21% today

CIBC was 3.62% ,now 3.77%

CFG was 4.25%, now 4.30%
Popular Direct was 4.16%, now 4.26%
First Foundation was 4.00% now 4.20%

On topic of Primis
Onboarding was easy, quickly approved, funded, and linked several external accounts.
Only issue is username and password work on the website but not in the app.

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

On topic of Primis
Onboarding was easy, quickly approved, funded, and linked several external accounts.
Only issue is username and password work on the website but not in the app.

ISSUE RESOLVED
There are several Primis apps in Google Play store
WRONG ONE: Primus Personal Banking
CORRECT ONE: Primus Mobile Banking App

Juno Finance
Was: 5% on the first $25,000, then 3% up to $250,000
Now:: 5% on the first $25,000, then 4% up to $250,000.

Republic Bank Chicago was 4.47%, now 4.53%
All states except IL, IN, MI, and WI

Vanguard Cash Plus was 3.90%, now 4.10%

Ivy Bank Indexed Savings was 4.71%, appears to be no longer available (to new customers)

@atikovi Agreed.
I had similar results from Bask to Elements and also Marcus to Elements

@c3 Neither Ally accounts are competitive.
I just went for the savings ($500) and brokerage ($100) bonuses

@r00fus1
Looking at my Google Authenticator app, it is all crytpo and brokerage account.
All of the banks listed that I have accounts with use SMS 2FA

Northern Bank Direct
9 month CD 5.50%
https://northernbankdirect.com/

Update: No longer available
Andrews FCU
Celebrate 75 Years of Service with our new Celebration Share Certificate.
5.75% APY for 7.5 months

NEW: One Finance (fintech) just offered 5.00% on $5,000 minimum to $100,000 maximum when
you receive $500 a month in eligible direct deposits or have a total daily balance of $5,000 or more.
ONE is a financial technology company, not a bank.
Banking services provided by Coastal Community Bank, Member FDIC.
Approved accounts are FDIC insured up to $250,000 per depositor.
https://www.one.app/

Andrews Federal Credit Union 5.75% on up to $1,000

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

You did read where it says balances over $1,000 will earn 0.05%.
Yes, and I accidentally didn’t copy/paste the rest of the last line
"If the average daily balance of the account exceeds $1,000, the remaining
balance will be paid at the variable rate stated for the second tier."

@jtownsucks46 Delete my post for Andrews

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Bayer Heritage Federal Credit Union
6.18% APY 12-Month CD
Easy membership requirement through the American Consumer Council,
https://www.bayerhfcu.com/santahelper

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

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

Terms and Condition are there. I made a typo missed “f” at end of "pdf"
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdf

@jtownsucks46
milli is 100% legit
Their ABA number is First National Bank Of Omaha
https://www.usbanklocations.com/routing-number-107002600.html

Please contact us at 1-800-733-4015
or email us at support@milli.bank, or
chat with us within the app

Ally 4.25 now 4.35 %

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

raisin institutions are a mixed bag; some up and some down:

Gave up updating them on my spreadsheet. too much work
Just list one link as "50+ insured banks and credit unions with rates as high as 5.32%."
http://www.rejohnsonjr.com/SAVINGS.HTM

FNBO Direct Rate Change
High Yield Online Savings Account
Was 5.15%, now 4.75%

Valley Direct was 5.05%, now 4.80%
(Rate decreases are starting)

Milli was 5.50%, now 4.75% (OUCH)

“Effective 02/29/24, the interest rate on your Savings account and Jars will be adjusted to 4.75% Annual Percentage Yield”

All America / Redneck was 5.15%, now 4.90%

Seems strange for an increase but
Mybankingdirect was 5.35% now 5.55%
https://www.mybankingdirect.com/products/high-yield-savings.html

Also Milli dropped from 5.50% to 4.75%
(I took all my money out)

Lending Club High Yield Savings was 5.00%, UP to 5.30%
REQUIRMENT:
Unlock our LevelUp Rate of 5.30% APY by simply depositing $250+ per month into your LevelUp account. Miss a month? No problem.
You’ll still earn a Standard Rate of 4.80% APY1 to keep growing your savings.

https://www.lendingclub.com/personal-savings/high-yield-savings

Too many drops this week to post them all, so …my list here:
http://www.rejohnsonjr.com/SAVINGS.HTM

5.25%, $500 to open, no fees, but geographically restricted (fyi only)
Openbank is a part of Santander Bank, N.A., which is a member institution of FDIC
Your home ZIP Code must be within Openbank’s current service area, which is
every state in the U.S. except for Connecticut, Delaware, Massachusetts,
New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island.
https://www.openbank.us/banking/high-yield-savings-account