New 5.00% $25,000 minimum
https://www.evergreenwealth.com/savings?
Posts made by goldsheet
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RE: Best Nationally Available High APY Liquid Accounts
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RE: Best Nationally Available High APY Liquid Accounts
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Not everyone tracks and chases rates like we do.
So what about that, does a lawsuit make? If your nearby Exxon station sells gas for $4, but one a mile down the road sells it for $3.50, can you sue the first one for price gouging?
I think it would be more like opening new pumps (360 Performance) at a lower price in
the back of the same station and not telling the folks in the front (old 360) paying the
higher price when the gasoline is coming from the same underground tanks (Capital One). -
RE: Best Nationally Available High APY Liquid Accounts
@atikovi Lots of folks have got caught in the "new account for a better rate"
while leaving old one out (UFB, Salem Five, CIT, and a few others do this)
Capital One made such a minor change in the name it’s more egregious
than all the others. Not everyone tracks and chases rates like we do. -
RE: Best Nationally Available High APY Liquid Accounts
@mrvietnam My girlfriend had a 360 account, which she never checked,
so my rough calculations indicates she may have lost about $5000
in interest over 4 years based on rates and deposited amount. -
RE: Best Nationally Available High APY Liquid Accounts
FYI “from late 2019 to mid-2024, Capital One lowered and then froze the 360 Savings account rate to just 0.30%, even as rates increased nationwide. In contrast, starting in early 2022, Capital One increased the 360 Performance Savings account rate. In fact, the rate went from 0.40% in April 2022 to 3.30% as of January 2023, and 4.35% as of January 2024”
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RE: Best Nationally Available High APY Liquid Accounts
Western State Bank was 4.15%, now 4.00%
Sallia Mae Money Market was 4.10%, now 4.00%
Sallia Mae Savings was 4.10%, now 4.00%
Smarty Pig was 4.10%, now 4.00% -
RE: Best Nationally Available High APY Liquid Accounts
MyBankingDirect was 4.55%, now 4.45%
Zynlo was 4.50%, now 4.40%
Primis Savings was 4.70%, now 4.35%
Primis Checking was 4.50%, now 4.20% -
RE: Best Nationally Available High APY Liquid Accounts
Jenius was 4.80%, now 4.50%
Lending Club was 4.75%, now 4.50%
Rising Bank was 4.50%, now 4.40%
Western Alliance was 4.46%, now 4.40%
Upgrade was 4.41%, now 4.14%
Tab was 4.37% , now 4.26%
CIT Savings Connect was 4.20%, now 4.00%
Bank Purely was 4.12%, now 3.90%
IGO was 4.12%, now 3.90%
E*Trade was 4.10%, now 4.00% -
RE: Best Nationally Available High APY Liquid Accounts
Patriot Bank Money Market (5.05%) appears to be no longer available
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RE: Best Nationally Available High APY Liquid Accounts
We wanted to inform you that effective January 3, 2025,
the Pibank Savings Annual Percentage Yield (APY*)
will be updated from 5.00% to 4.75% APYBetterment was 4.25%, now 4.00%
Wealthfront was 4.25%, now 4.00% -
RE: Best Nationally Available High APY Liquid Accounts
Newtek was 4.90%, now 4.70%
Brio Direct was 4.85%, now 4.75% -
RE: Best Nationally Available High APY Liquid Accounts
Bask was 4.65%, now 4.50%
Laurel Road was 4.50%, now 4.15% -
RE: Best Nationally Available High APY Liquid Accounts
Open Bank was 5.00%, now 4.75%
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RE: Best Nationally Available High APY Liquid Accounts
Patriot Bank was 5.10%, now 5.05%
Vio Bank was 4.77%, now 4.66%
MyBankingDirect (Flagstar) was 4.75%, now 4.65%
Bread was 4.65%, now 4.60%
CFG was 4.75%, now 4.52%
Western State Bank was 4.50%, now 4.15%
CIT was 4.35%, now 4.20%
UFB was 4.31%, now 4.01%
Live Oak was 4.30%, now 4.20%
Synchrony was 4.30%, now 4.10%
Valley Direct was 4.25%. now 4.00%
Barclays was 4.20%, now 4.10%
Citizens Access was 4.15%, now 3.90%
Discover was 4.10%, now 3.90% -
RE: Best Nationally Available High APY Liquid Accounts
Timbr Savings was 5.25%, now 5.05%
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RE: Best Nationally Available High APY Liquid Accounts
Total was 5.01%, now 4.86%
Vio was 4.90%, now 4.77% -
RE: Best Nationally Available High APY Liquid Accounts
@jtownsucks46
I loaded up on CDs months ago.
Have lots from 5.35% up to 5.60%
Just delaying the inevitable -
RE: Best Nationally Available High APY Liquid Accounts
Email from Pibank was 5.50%, will be 5.00%
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RE: Best Nationally Available High APY Liquid Accounts
Live Oak Bank $300 bonus on $20,000 deposit for 60 days.
Much better than previous offer "$200 bonus on $20,000 deposit for 90 days."
https://www.liveoakbank.com/ -
RE: Best Nationally Available High APY Liquid Accounts
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 -
RE: Best Nationally Available High APY Liquid Accounts
Live oak Bank $200 bonus on $20,000 deposit for 90 days.
= About 4% + 4.3%Apy = 8.3%
https://www.liveoakbank.com/ -
RE: Best Nationally Available High APY Liquid Accounts
Too many drops this week to post them all, so …my list here:
http://www.rejohnsonjr.com/SAVINGS.HTM -
RE: Best Nationally Available High APY Liquid Accounts
Brio 5.30 - 5.15
Republic 5.21 - 5.01
Brilliant 5.35 - 4.85
UFB 5.25 - 4.83
QMB 5.08-4.56 -
RE: Best Nationally Available High APY Liquid Accounts
Going down …
CFG was 5.23%, now 5.19%
Valley Direct was 4.75%, now 4.25%
Virtual Bank was 5.25%, now 4.75%
Jenius was 5.25%, now 5.05%
Evergreen was 5.25%, now 4.75%
Vio was 5.30%, now 5.20% -
RE: Best Nationally Available High APY Liquid Accounts
Pibank Savings 5.50% APY
No fees, no minimum, FDIC insured
https://www.pibank.com/ -
RE: Best Nationally Available High APY Liquid Accounts
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
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RE: Best Nationally Available High APY Liquid Accounts
All America and Redneck were 4.90%, now 4.75%
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RE: Best Nationally Available High APY Liquid Accounts
DOWN: Brio Direct High Yield Savings was 5.35%, now 5.30%
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RE: Best Nationally Available High APY Liquid Accounts
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/ -
RE: Best Nationally Available High APY Liquid Accounts
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 -
RE: Best Nationally Available High APY Liquid Accounts
Seems strange for an increase but
Mybankingdirect was 5.35% now 5.55%
https://www.mybankingdirect.com/products/high-yield-savings.htmlAlso Milli dropped from 5.50% to 4.75%
(I took all my money out) -
RE: Best Nationally Available High APY Liquid Accounts
All America / Redneck was 5.15%, now 4.90%
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RE: Best Nationally Available High APY Liquid Accounts
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”
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RE: Best Nationally Available High APY Liquid Accounts
@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) -
RE: Best Nationally Available High APY Liquid Accounts
Valley Direct was 5.05%, now 4.80%
(Rate decreases are starting) -
RE: Best Nationally Available High APY Liquid Accounts
FNBO Direct Rate Change
High Yield Online Savings Account
Was 5.15%, now 4.75% -
RE: Best Nationally Available High APY Liquid Accounts
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/ -
RE: Best Nationally Available High APY Liquid Accounts
No more increases, a few decreases, think rates have topped out.
As a result, putting a few $$ into CD specials. -
RE: Best Nationally Available High APY Liquid Accounts
Valley Direct was 5.25% down to 5.05%
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RE: Best Nationally Available High APY Liquid Accounts
Here’s a brand new one at 5.50% guaranteed for 180 days
https://www.poppy.bank/poppy-premier-online-savings-faqs/ -
RE: Best Nationally Available High APY Liquid Accounts
@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 -
RE: Best Nationally Available High APY Liquid Accounts
Marcus Online Savings Account was 4.40%. now 4.50% APY
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RE: Best Nationally Available High APY Liquid Accounts
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 -
RE: Best Nationally Available High APY Liquid Accounts
@jtownsucks46
milli is 100% legit
Their ABA number is First National Bank Of Omaha
https://www.usbanklocations.com/routing-number-107002600.htmlPlease contact us at 1-800-733-4015
or email us at support@milli.bank, or
chat with us within the app -
RE: Best Nationally Available High APY Liquid Accounts
Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank -
RE: Best Nationally Available High APY Liquid Accounts
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 -
RE: Best Nationally Available High APY Liquid Accounts
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 -
RE: Best Nationally Available High APY Liquid Accounts
@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