Posts made by goldsheet

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%

Timbr Savings was 5.25%, now 5.05%

Total was 5.01%, now 4.86%
Vio was 4.90%, now 4.77%

@jtownsucks46
I loaded up on CDs months ago.
Have lots from 5.35% up to 5.60%
Just delaying the inevitable

Email from Pibank was 5.50%, will be 5.00%

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/

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

Live oak Bank $200 bonus on $20,000 deposit for 90 days.
= About 4% + 4.3%Apy = 8.3%
https://www.liveoakbank.com/

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

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

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%

Pibank Savings 5.50% APY
No fees, no minimum, FDIC insured
https://www.pibank.com/

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

All America and Redneck were 4.90%, now 4.75%

DOWN: Brio Direct High Yield Savings was 5.35%, now 5.30%

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/

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

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)

All America / Redneck was 5.15%, now 4.90%

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”

@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)

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

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

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/

No more increases, a few decreases, think rates have topped out.
As a result, putting a few $$ into CD specials.

Valley Direct was 5.25% down to 5.05%

Here’s a brand new one at 5.50% guaranteed for 180 days
https://www.poppy.bank/poppy-premier-online-savings-faqs/

@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

Ally 4.25 now 4.35 %

Marcus Online Savings Account was 4.40%. now 4.50% APY

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

@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

Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank

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

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

@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

Vio was 5.28%, now 5.30%

Get up to a $750 bonus with Penfed Premium Online Savings
$150 bonus for every $10,000, up to $50,000

Offer Details: You must open a new PenFed Premium Online Savings account between 11/15/23 to 12/30/23 to be eligible for the Bonus Offer.
During the Offer Period or before 12/30/2023, make deposits of up to at least $10,000 from an external account into your PenFed Premium Online Savings account.
The new money must remain in the PenFed Premium Online Savings account from 12/30/23 to 4/30/24 to be eligible for the Offer.
https://www.penfed.org/savings/premium

@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

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

@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%)

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

Vio Cornerstone was 5.25% now 5.28%

Tab was 5.02, now 5.27

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

1. unlimited deposits are allowed
2. two no penalty withdrawals can be made.
3. just have to keep balance over $5,000
   so it’s a “semi-liquid” account
   https://www.credithuman.com/investments-planning/certificates-iras/liquid-share-certificate

Ivy Bank High Yield Savings (except California) was 5.00%, now 5.30%
(rate guaranteed through 6/30/24)

Pacific Western Bank Money Market was 5.25%, now 5.27%

Popular Direct Select Savings 5.40%
https://www.populardirect.com/products/savings/
Note: Appears to be a new account offering

I found another advantage of using the in-store kiosk (versus giving phone number to cashier)
It will occasionally give you other offers. For example, adding a pastry ($4.99+ retail) for just $2

FYI: Brio Direct Savings Plus 5.35%
Available to current account holders only,
not accepting new applications, as far as I know.

FVC was 5.10% , now 5.26% (Raisin)
CloudBank 24/7 Savings was 5.20%, now 5.26% (Raisin)
America First CU 5.26% (Raisin)
Greenwood CU Savings 5.26% (Raisin)
Milli 5.25%