Posts made by goldsheet

@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.

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.

Republic Bank Chicago 2.26%
Edited: Not nationwide, all states except IL, IN, MI, and WI.

@atikovi "Liberty Savings Bank: High-yield Savings Account | SaveBetter"
https://www.savebetter.com/bank/liberty-savings-bank/liberty-savings-bank-high-yield-savings-account

UFB Direct is playing games again.
If you currently have the UFB Direct Saving account (old), it still pays only 1.81%
The (new) UFB Direct Rewards Saving account now pays 2.21%
You have to ask them to convert “Savings” to "Reward Savings"
Account numbers stay the same, but you get new higher rate,

UFB, along with CIT and Popular Direct, are known for creating
"new" accounts and leaving “old” accounts at the old lower rate.

https://www.ufbdirect.com/Savings/UFB-Rewards-Savings

Synchrony was 1.65%, now 1.80%

Credit Karma Money Save 1.98%
Banking services provided by MVB Bank, Inc., Member FDIC.

@jtownsucks46
NASB (2.53%) had online application yesterday. gone today.
I guess they were flooded and had to suspend, too !
https://www.nasb.com/

CFG BANK (2.55%) UPDATE
"Due to volume – effective 8/11 we have temporarily suspended online account applications. All applications submitted prior to 8/11 will be processed normally, but may experience some delays. The system will be back up shortly. We apologize for any inconvenience."

Alliant CU was 1.40%, now 1.60%

Vio Cornerstone Money Market was 1.85%, now 2.10%
UFB Direct Savings was 1.81%, now 2.21%
Total Direct was 1.50%, now 2.00%
Bask was 2.02%, now 2.20%

CIBC was 1.66%, now 1.95%
Live Oak was 1.40%, now 1.75%
Bank7 was 0.90%, now 1.50%
American Express was 1.25%, now 1.40%

IGO was 1.50%, now 1.85%
Capital One 360 was 1.30%, now 1.50%
State Bank of Texas was 1.50%, now 1.85%

First Foundation was 1.65%, now 2.02%

Patriot was 1.65 now 2.05

Bread was 1.65% now 2.15%