Posts made by goldsheet

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

@goldsheet
Sorry - didn’t see your milli post from 2wks ago.

It’s OK. Just wanted to let you know the issue.
Milli hasn’t been any fun so far

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Here we go again, another “NEW” account from UFB
UFB Priority Savings 5.06%
https://www.ufbdirect.com/

@jtownsucks46
Emigrant Direct appears to be 4.00% ?

Deleted

@jtownsucks46
It only shows me Electric (4.30%) and Magnetic (4.65%) = Weird ?

NEW: Brillant Bank Magnetic Money Market 4.65%

Appears “Brilliant Bank Luminary Money Market” is still 5.25% but no longer available.

Note: Except Arkansas, Kansas, Missouri, and Oklahoma

CFG was 5.12%, now 5.17%
America First CU was 5.12%, now 5.15%
Patriot Bank MM was 5.05%, now 5.15%
Ponce Bank MMDA was 5.05%, now 5.15%
Mission Valley Bank Savings was 5.06%, now 5.12%
FVC Bank MM was 5.00%, now 5.10%
Popular Direct High-Rise Savings was 5.00%, now 5.05%
http://www.rejohnsonjr.com/SAVINGS.HTM

Vio Cornerstone Money Market was 4.88%, now 5.02%

@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

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

America First (via Raisin) was 5.05%. now 5.12%
CloudBank (via Raisin) was 5.05%. now 5.11%
Virtual Bank eMoney Market was 4.80%, now 5.00%

Note: savebetter.com is now raisin.com (custodial accounts)

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/

Northpointe Bank is offering a bonus of up to $1,250 when you open a new Promotional Ultimate Savings
or Promotional Money Market account and maintain a qualifying balance for 3 months.
Bonuses are as follows:
Deposit and maintain $25,000 – $50,000 and get a $350 bonus (350/25000=1.40%)
Deposit and maintain $50,000 – $75,000 and get a $750 bonus (750/50000=1.50%)
Deposit and maintain $75,000 – $100,000 and get a $1,000 bonus (1000/75000=1.33%)
Deposit and maintain $100,000+ and get a $1,250 bonus (1250/100000=1.25%)
https://www.northpointe.com/promotion/

Note: Promotional account pay 0.00-0.25% interest, so almost bonus only.
One can get about $625 interest in 3 months at 5.00%,
so depositing $50k to get $750 ($125 more) may NOT be worth the effort

Bread Savings was 4.65%, now 4.75%

FYI: We are excited to announce that by the end of June, SaveBetter’s name will officially change to Raisin
https://www.savebetter.com/blogs/introducing-raisin-your-secure-savings-marketplace

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
5.25% APY on balances of at least $1k.
Minimum $2k balance is required to avoid a $10 monthly fee.
Brilliant Bank Luminary Money Market
(Nationally available except AR, KS, MO, and OK)
https://www.brilliant.bank

Vio Cornerstone was 4.85%, now 4.88%

Total Direct was 4.95%, now 5.07%
America First CU (via savebetter) was 4.90%, now 5.03%
Salem Five was 4.61%, now 5.01%
Upgrade Premier was 4.56%, now 4.81%
Vanguard Cash Plus was 4.25%, now 4.50%

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

All America Bank MM was 4.80% now 5.05%
Redneck Bank MM was 4.80% now 5.05%

They also increased maximum deposit from $75,000 to $100,000
(Already updated in table, but wanted to mention it here)

Ally Online Savings Account was 3.75%, now 3.85% (sad)

@mtnagel
M1 had better promotions last year.
I deposited $50K into INVEST (0.0%) to get a $500 bonus
When bonus was credited I moved $ to SPEND
SPEND was paying competitive rate and $125 fee was waived for one year.
Didn’t renew M1+ and emptied the account.

Marcus was 3.90%, now 4.15%
Medallion Bank (via Savebetter) was 4.82%, now 5.02%
CIT Platinum was 4.75%, now 4.85%
CIT Savings Connect was 4.50%, now 4.60%

Laurel Road High Yield Savings 4.80%
https://www.laurelroad.com/high-yield-savings-account/

Note: They currently have a $200 bonus offer for opening a checking account which may be of interest. See website.

Juno Finance (Evolve Bank & Trust)
was 5.00% up to $25,000, then 4.00%
now 5.00% up to $50,000, then 4.00%

First Foundation 4.50% to 4.85%

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

New Laurel Road High Yield Savings 4.80%
https://www.laurelroad.com/high-yield-savings-account

Bask was 4.65%, now 4.75%

SoFi Savings was 4.00%, now 4.20%
(requires direct deposit, otherwise 1.20%)

Redneck Mega Money Market was 4.55%, now 4.80%
All America Mega Money Market was 4.55%, now 4.80%

Republic Bank of Chicago 4.63% to 4.65%

@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

@mtnagel
Agree with jtownsucks46, get Primis checking 4.77%, and request free checks
Supplement with a savings account, like CFG @ 5.02%, so far = good
Just opened Newtek @ 5.00%, onboarding was easy, but too soon to evaluate.
Don’t really care for or have custodial accounts via savebetter

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
RE: New 5% account from Newtek Bank
In the FAQ it says "Withdrawals from your account can only be transferred to the original external funding source."
Just makes me wonder how many external accounts one can link and how they would keep track of where funds came from.

Republic Bank was 4.60%, now 4.63% (silly tiny increase)
(Nationally available except IL, IN, MI, and WI)

Vio was 4.50%, now 4.55%

Ivy Bank Indexed Savings (not available in CA) was 4.75%, now DOWN to 4.32%

Note: Salem Five is one of several banks where you have to call to get higher rate, not automatic,

One-Month Treasury Par Yield.
https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics

Mission Valley Bank Savings was 4.71%, now 4.80%

Patriot Bank MM was 4.60%, now 4.75%
Popular Direct High Rise Savings was 4.40%, now 4.45%
Quontic High Yield Savings was 3.70%, now 4.05%
ConnectOneBank Online Savings was 3.09%. now 4.00%

Northern Bank Direct was 4.35% now 4.75%

Did not last long: Total Direct was 5.05%, now DOWN to 4.50%

Good luck opening an account. When they deny you they wont give any reason. Glad they did now.

Already had an account.
Also, financial institutions are not required to give you a reason.
They just refer you to ChexSystems or EWS, Reports you should order.
ChexSystems: https://www.chexsystems.com/request-reports/consumer-disclosure
EWS: https://www.earlywarning.com/consumer-information

Should also get all your credit reports
https://www.annualcreditreport.com/index.action
Experian: https://www.experian.com
Equifax: https://www.equifax.com
Transunion: https://www.transunion.com
LexisNexus: https://consumer.risk.lexisnexis.com

Also free sites:
Credit Karma: https://www.creditkarma.com
Credit Sesame: https://www.creditsesame.com

@goldsheet

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

NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts

Did not last long: Total Direct was 5.05%, now DOWN to 4.50%

Don’t think it was only list but another fintech - Enzo was 4.27%, now dead/closed

Redneck and All America was 4.25%, now 4.55% (up to $75,000)
Vio Cornerstone was 4.40%, now 4.50%

NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts