Posts made by goldsheet

MyBankingDirect was 3.55%, now 4.05%
Vanguard Cash Plus (pilot program) was 3.50%, now 3.90%
PurelyMoneyMarket was 3.00%, now 3.50%

Synchrony was 3.50% now 3.74%

All America and Redneck were 4.00%, now 4.25%
(up to $75,000 in each)

CFG was 4.05% now 4.15%

@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.

@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.

Ally was 3.00%, now 3.30% (12/16/2022)

NEW: B1Bank 3.80%
https://www.b1bank.com/onlinesavings

@jtownsucks46
They did it again
NEW: UFB Best Savings is 4.11%
OLD: UFB High Rate Savings is still 3.91% (no change)

@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

CFG was 4.00%, now 4.05%

@platypus Looks like we had same idea on PNC.
Rate excellent and signup bonuses make it better, if qualified.

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/

Lending Club High Yield Savings was 3.25%, now 3.60%

NEW: Great Lakes Credit Union Money Market Deposit Account 4.03%
Federally insured by NCUA. No fees. $1 minimum to open.
via SaveBetter platform
https://www.savebetter.com/credit-unions/great-lakes-credit-union/money-market-deposit-account

First Foundation was 3.60%, now 4.00%

DECREASE: My eBank SuperSaver Money Market Account was 4.08%, now 3.67% ($100,000+ tier)

Salem Five Direct is at it again
4.10% on eOne Savings for new accounts
Current account holders have to call/email/chat to ask for higher rate.

“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.”

Popular Direct was 3.35% , now 3.56%

REMOVED

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

There are two accounts - the High Yield Savings and the Max Savings. The High Yield Savings doesn’t have any fee like that and is also at 4.05%.

High Yield is highlighted and promoted at the top of their page.
Didn’t even see Max hidden at bottom right.

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

Customers Bank High Yield Savings (NOT Max Savings) was 3.05%, now 4.05%

My eBank SuperSaver Money Market Account
4.08% APY for balances of $100,000.00 and above
2.48% APY for balances below $100,000.00
$5,000 USD Minimum Opening Deposit
https://www.myebanc.com/online-products/super-saver-money-market/

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

Live Oak Bank was 2.75%, now 3.10%

Ally was 2.75%, now 3.00% effective 11/22/2022

Popular Direct High Rise Savings was 3.25%, now 3.35%

@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

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.

All America Bank Mega Money Market and
Redneck Mega Money Market
Earn 4.00% APY (was 3.05%) on up to $75,000 (was $50,000)

Effective 11/22/2022

Republic Bank Chicago was 3.38%, now 4.00%
Nationally available except IL, IN, MI, and WI
https://republicebank.com

Tab Bank High Yield Savings was. 3.00%, now 3.64% APY

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

Too bad they only did it by requiring 50k minimum to get the rate.

FYI: UFB is now showing 3.83% APY on all balance tiers per:
https://www.ufbdirect.com/Savings/ufb-high-rate-savings

Alliant CU was 2.35%, now 2.50%

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/

CFG was 3.70%, now 3.85%

State Exchange Bank High-Yield Savings Account
(via Savebetter) was 3.30%, now 3.60%

NEW: Blue Federal Credit Union MMDA (via Savebetter) 3.65%
https://www.savebetter.com/credit-unions/blue-federal-credit-union/money-market-deposit-account

duplicate deleted

@jtownsucks46
I have so many banks ACH connected I need a spreadsheet to see which ones to use to either push or pull.

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

First Foundation was 3.10%, now 3.60%

Off topic, but this might be too good IMHO, not to mention
Andrews Federal Credit Union
5.00% APY 7 month CD special offer
Minimum of $1,000 to earn the advertised APY.
Maximum balance allowed is $100,000.
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates

Andrews Federal Credit Union
5.00%APY 7 month CD special offer
Minimum of $1,000 to earn the advertised APY.
Maximum balance allowed is $100,000.
https://www.andrewsfcu.org/Learn/Resources/Rates/Share-Certificate-Rates

@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”

@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 !

Enzo was 2.87% now 3.57%
Enzo is a financial technology company and not a bank.
Banking services provided by Blue Ridge Bank N.A.; Member FDIC.
https://www.joinenzo.com/features

@mtnagel Dollar Savings Bank only allows one linked account it has to be a checking account and it’s the only way to transfer funds. = Horrible

@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 They’re raising so fast our rate updates are bumping into each other

The average rate on all of my accounts is 3.22% apy so anything less is a candidate for transfer.