@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.
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%
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%
Personal Capital Cash was 1.40%, now 1.50%
Quontic High Yield Savings was 1.25%, now 1.58%
Total Direct Bank was 0.85%, now 1.20%
Suze Orman deal is still good until 12/31/2022
Deposit at least $100 a month—for 12 consecutive months—into The Ultimate
Opportunity Savings Account. Not only will you earn the current interest rate of
1.20% APY, but after those 12 consecutive months, you’ll also get a $100 bonus!
https://ww2.alliantcreditunion.org/ultimate-opportunity-savings
Discover was 1.00%, now 1.10%
Discover AAII was 1.05%, now 1.15%
@atikovi This may be the issue “PurePoint Financial is a division of MUFG Union Bank, N.A.”
“MUFG Union Bank, d.b.a. as UnionBank, is wholly owned by MUFG pending regulatory approval to complete the sale to U.S. Bancorp”
"it now anticipates the bank’s sale to U.S. Bancorp will be completed in the second half of 2022."
U.S. Bancorp will probably close Purepoint, in my opinion.
Quontic High Yield 1.25%
USALLIANCE Financial was 1.00%. now 1.25%
Capital One 360 Performance Savings Account was 0.90%, now 1.00%
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 1.15% now 1.80%
Just noticed it says “$25k” to open, should be “Open with just $25”
Discover Online Savings 1.00%
Discover AAII Savings 1.05%
Sallie Mae Money Market 1.20%
SAlli Mae High Yield Savings 1.10%
SoFi https://www.sofi.com/banking/
You can now earn 1.50% APY* with direct deposit
(non-direct deposit members’ rates will rise from 0.70% to 0.90%)
Update on one of my earlier "different opportunity"
Enzo is another fintech
(Banking services provided by Blue Ridge Bank N.A.; Member FDIC)
Earlier this year they had a $50 signup, no longer available
Still some advantages of being a “Founding Member”
Just noticed Ivy Bank has a exception
"California residents are not eligible for Ivy Bank products and services"
Makes it about 88% nationally available
Notation or delete ?
Lending Club was 1.05%, now 1.26%
UFB Direct Money Market 1.51%
No monthly maintenance fees with a $5,000.00 balance,
otherwise fee is $10.00 per month
https://www.ufbdirect.com/Savings/Money-Market
@jtownsucks46
Ivy Bank at 1.50% would be a good new addition.
First Foundation just raised to 1.65%
Otherwise, looks great, thank you !
Ivy Bank was 1.15%, now 1.50%
https://www.ivybank.com/savings
Brio Direct was 1.00%, now 1.15%
https://www.briodirectbanking.com/high-yield-savings/
Citizens Access was 1.00%, now 1.25%
https://www.secure.citizensaccess.com/Citizens/savings
SFGI was 0.91%, now 1.01%
https://sfgidirect.com/
State Exchange Bank 1.25%
https://www.savebetter.com/state-exchange-bank/high-yield-savings-account
@craig10x
My Astra deposit initiated on Monday 13th credited today 16th.
Shows as “Deposit” unlike “Direct Deposit” last time.
Think they may have figured out it was not a real DD.
Alliant Credit Union 1.00%
CIT Money Market 0.85%
CIT Savings Connect 1.20%
Citizens Access 1.00%
Merchants Bank of Indiana 1.51%
myBanking Direct 1.25%
Rising Bank 1.20%
SFGI 0.91%
SallieMae 0.90%
Valley Direct 0.90%
My Savings Rate Table: http://www.rejohnsonjr.com/SAVINGS.HTM
@atikovi effective 6/16 might not be active yet ?
I have been a member since January was not aware there’s a wait list again.
Received $50 sign up bonus back then