@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/
@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.
If you are a Vanguard customer - Rate increased from 2.25% to 3.00%
The Vanguard Cash Plus Account is a new high-priority product for Vanguard and our clients.
https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account
Dollar Savings Direct raised from 3.00% to 3.01%
In an attempt to claim “America’s Highest Rate” 
Everyone check your rates on your UFB accounts
The original savings paid 1.81% and may still be at that rate,
REWARDS savings came out at 2.21% and may still be at that or 2.61%
ELITE savings came out at 2.85% and almost immediately went to 3.01%
A simple email request will upgrade your account to the highest rate
(until they come out with another account ! )
Also, my BrioDirect Saving is still at 2.15%
Have to apply for BrioDirect Savings PLUS to get the 2.80%
@alanmax said in Best Nationally Available High APY Liquid Accounts:
@atikovi
Too late I’m getting a better rate at Fidelity with no stone age hassles.
Which account and rate at Fidelity ?
@alanmax
Banks that offer new accounts instead of raising rates on old one:
Brio, CIT, Popular, UFB
Any others ?
Note: I applied for “UFB Elite Savings” 2.85% - approved in 1 day
Applied for and waiting on “Brio High Yield Savings Plus” 2.80%
New one via Savebetter
Lemmata Savings 2.80%
https://www.savebetter.com/banks/lemmata-savings-bank/money-market-deposit-account
T-Mobile Money was 1.50%, now 2.25%
@atikovi I did the SoFi deal. 1% bonus for holding only two months.
Getting 1% in two months is like 6% per year, plus their regular interest.
@atikovi I did a little research and the 360 Money Market account is no longer available to new customers. As a result, I think the offer posted was a targeted offer for previous customers.
Note: UFB has offered another new account
If you have UFB Direct Rewards Savings your rate is 2.60% APY
The new UFB Direct Elite Savings rate is 2.85% APY
https://www.ufbdirect.com/Savings/UFB-Elite-Savings
@my4mainecoons
SoFi has a similar offer but I just found out about it and it expires 9/30
Probably not enough time to successfully ACH funds
FYI: https://www.sofi.com/banking/balance-offer/
First Foundation was 2.25%, now 2.75 %
FYI - A little different idea
Robinhood Cash Sweep 1.50%
Robinhood Gold Cash Sweep 3.00%
($5 monthly fee for Gold)
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brio Direct Savings was 2.15% now 2.61%
Moved about half of my Brio to UFB (2.61%)
Guess I don’t have to move the rest now 
USAlliance 2.50%
$500 minimum balance (to earn dividends)
https://www.usalliance.org/banking-products/high-dividend-savings
Bask was 2.20%, now 2.53%
First Foundation was 2.02%. now 2.25%
@atikovi
Found out a few weeks ago,
“the issue I have now is they only allow one (1) external bank link, so I have a funding issue.”
@atikovi
It appears your funds are deposited at SkyOne Federal Credit Union, NCUA insured.
Central Bank of Kansas City acts as Custodian Bank on behalf of SaveBetter
to move you funds in/out of the several banks and credit unions they sponsor.
Marcus was 1.70%, now 1.90%
SkyOne was 2.20%, now 2.75%
Axiom Bank (new) is 2.50%
Both are through Savebetter
Also, a 3.00% No penalty 36 month CD from Ponce Bank is offered.
https://www.savebetter.com/explore-products
UFB Rewards Savings was 2.21%, now 2.61%
Brilliant Bank Money Market 2.61%
(except Arkansas, Kansas, Missouri, and Oklahoma)
https://www.brilliant.bank/saving/
Live Oak was 1.75%, now 2.00%
@intel Sometimes banks only offer online accounts to out-of-state depositors
I guess they can pay their in-state customers much lower rates.
"TotalDirectBank by TotalBank is a registered Trademark of City National Bank of Florida "
CIT Connect was 1.90% now 2.10%
UPDATE: CFG 2.55%
Online account openings have resumed.
Please note, you may experience a delay in the processing of your account application,
but we will work to process your application as quickly as possible.
Rates are subject to change.
https://www.cfg.bank/personal-banking/personal-deposit-rates/
@atikovi said in Best Nationally Available High APY Liquid Accounts:
Looks like the same outfit opening accounts for Ponce Bank.
Yes, Savebetter for Liberty Savings Bank, mph Bank, Patriot Bank, Ponce Bank, SkyOne FCU, and State Exchange Bank
I opened an account, but the issue I have now is they only allow one (1) external bank link, so I have a funding issue.