Posts made by goldsheet

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%

My Banking Direct High Yield Savings was 2.02%, now 2.20%
Tab Bank was 1.68%, now 1.92%

Still a few that charge for ACH, often inbound free, outbound for a fee.
Salem Five did this a long time ago.
I had an account (First Citizens) I wanted to close, but outbound
ACH was $1.50, so I just used free billpay to zero out the account.

https://www.mybanktracker.com/checking/faq/ach-transfer-fees-290332

CIT Savings Connect was 1.65%, now 1.90%
Salem 5 was 1.01%, now 1.65%
Liberty Savings Bank was 1.25%, now 1.51%
Capital One 360 was 1.20%, now 1.30%
American Express was 1.15%, now 1.25%
PenFed was 1.00%, now 1.20%

Brio DIrect was 1.80%, now 2.15%
Lending Club was 1.52%, now 2.07%
Vio Cornerstone was 1.65%. now 1.85%

State Exchange Bank was 1.60%, now 2.00%

New #1
CFG was 1.87%, now 2.05%

CFG was 1.72%, now 1.87%
Ivy was 1.70%, now 1.90%
(Available in all states except California)
SkyOne was 1.40%, now 1.70%
All America and Redneck were 1.35%, now 1.75%
TAB was 1.26%, now 1.68%
USA Alliance was 1.25%, now 1.75%
Citizens Access was 1.25%, now 1.75%
http://www.rejohnsonjr.com/SAVINGS.HTM

Three-way tie for #1
Mybankingdirect (NYCB) just bumped from 2.00% to 2.02%
and mph bank just matched Bask at 2.02%

CIBC 1.66%
New #1. Bask Bank 2.02%
http://www.rejohnsonjr.com/SAVINGS.HTM

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

My Banking Direct High Yield Savings was 1.25% now 2.00%
Have to open another account !

Quontic was 1.70% now 1.85%
UFB MM and Savings were 1.66% now 1.81%
Alliant 1.05% now 1.20%

One should look into brokered CDs.
I noticed Fidelity has an 11-month CD paying 2.90% which is extremely competitive

Discover Online Savings was 1.10%, now 1.20%
Discover AAII Online Savings was 1.15%, now 1.25%
Live Oak Bank was 1.00%, now 1.40%
T-Mobile MONEY was 1.00%, now 1.50%
CIT Savings Connect was 1.35, now 1.65% APY
All bank URLs (including Brio @ 1.80%) on my page at:
http://www.rejohnsonjr.com/SAVINGS.HTM

CFG Bank High Yield Money Market was 1.65%, now 1.72%
Quontic High Yield Savings was 1.58%, now 1.70%
mph Bank High Yield Money Market was 1.35%. now 1.45%
iGO Money Market was 1.30%, now 1.50%
Lending Club High Yield Savings was 1.26%, now 1.52%
Liberty Savings Bank was 1.06%, now 1.25%
http://www.rejohnsonjr.com/SAVINGS.HTM

Ponce was 0.75%, now 1.75%
Synchrony High Yield Savings was 1.10%, now 1.40%