Posts made by goldsheet

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.

@atikovi Agree. I only transfer maybe 20-25% of my balance at a time because often after I do, the bank will raise their rate.

I’m also doing the $1,000 SoFi deposit promotion and the $500 Ally deposit promotion.

Becoming a job to update my list
http://www.rejohnsonjr.com/SAVINGS.HTM

And Valley Direct just raised from 3.01% to 3.50%

Bask was 3.05%, now 3.60% (wow!)

USAlliance High Dividend Savings was 2.75%, now 3.00%
CFG Was 3.30%, now 3.55%
Ally was 2.35%, now 2.50%

Marcus was 2.35%, now 2.50%
Bread was 2.90%, now 3.00%

Upgrade Premier Savings 3.50%
$1,000 minimum to earn interest
No monthly account fees or transfer fees
FDIC insured up to $250,000 through Cross River Bank
Not available to existing Rewards Checking or High Yield Savings customers.
https://www.upgrade.com/premier-savings

CIBC Agility Online Savings was 2.51%, now 3.03%
American Express Savings was 2.25% now 2.35%
TIAA was 1.85%, now 2.10%

Dollar Saving Direct was 3.11%, now 3.50%

Didn’t notice if anyone posted the huge Discover bonus.

Get a $450 bonus when you apply for your first Discover Online Savings
Account and deposit a total of at least $35,000 into your account within 30 days.
https://www.discover.com/online-banking/savings-lng-04/?TPR=091

@jtownsucks46 I just did an online chat with SalemFive and because
"I was such a good customer" they upgraded my current account to 3.5%

New #1
Salem Five Direct was 2.5% now 3.5%

Of course the catch is "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."
https://www.salemfivedirect.com/#eonesavings

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

WTF?

https://allamerica.bank/personal/banking/checking/mega-money-market-checking
Redneck Bank® is the Internet Banking Division of All America Bank®, established in 1969.
Bankin;s funner, love squirrel with lawnmower !
https://redneck.bank/accounts/mega-money-market

Live Oak was 2.30%, now 2.75%

All America and Redneck were 2.50%, now 3.05% (up to $50k)

CFG Bank Online High Yield Money Market was 3.10%, now 3.15%
USAlliance Financial Savings was 2.50%, now 2.75%
Capital One 360 Performance Savings was 2.25%, now 2.30%
Discover AAII was 2.30%, now 2.40%
Discover was 2.25%, now 2.35%

@atikovi I made the mistake of closing, so I emailed them
"I have reopened your NBD MM account and we will convert it to the
new NBD MM Premier earning 3.25% APY, 3.20% rate with all the same
features as the NBD MM.
Everything else will remain the same including your account number
and if you have checks they are good to use."

First Foundation was 2.75% now 3.10%
SkyONE (Savebetter) was 2.75%. now 2.90%
Barclays was 2.25%, now 2.40%
MARCUS was 2.15%, now 2.35%
Live Oak was 2.00%, now 2.30%

FYI: We will continue to raise rates as the Federal Reserve continues to raise rates, with the next FOMC decision on 11/2. Based on current market expectations, the Enzo interest rate is projected to increase to 3.57% APY on 11/3. https://www.joinenzo.com/

Bask was 2.75%, now 3.05%

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

Can also use code on new application
"If you’d rather open a new eligible Ally Bank account,
do so by 10/21/2022 with offer code GETPAID"

My Banking Direct High Yield Savings was 2.20%, now 2.85%
Dollar Savings was 3.01%, now 3.05%

Valley Direct was 2.65% now 2.85%

Live Oak was 2.00%, now 2.30%

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

@goldsheet it says by invitation only. I have been Vanguard Flagship for many years and have yet to receive an invitation.

Just making aware of the product.
Did you try applying through your Vanguard login ?
No harm in trying.