Posts made by goldsheet

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

Patriot 1.45%
https://www.savebetter.com/bank/patriot-bank/patriot-bank-high-yield-money-market-deposit-account

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.

UFB was 1.50%. now 1.66%

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”

1. We plan to raise the interest rate on the Enzo Checking Account to 2.15% effective August 1st, 2022.
2. As a reward for your support, once we reach 25,000 Enzo Customers, we plan to reward
   all our Founding Members by raising the interest rate to 3.10% on the Enzo Checking Account
3. We are granting equity to our early members and reserving a piece of the company to permanently be owned by you.
   There are currently at 5,763 member per
   https://help.joinenzo.com/hc/en-us/articles/7340953900692
   Join here: https://www.joinenzo.com

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

Mph was 0.85% now 1.35%

@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

In response to the Federal Reserve raising interest rates, Enzo has raised the interest rate on the Enzo Deposit Account to 1.49%, effective 6/16/22.

https://www.joinenzo.com/

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

CIBC Agility Savings Account now 1.27% but it won’t let you pull money from an external account. You can only go from the external account into CIBC.

In March 2021 I made a substantial withdrawal from CBIC initiated from an external account. Worked then, don’t know if rules have changed,

Bask Bank was 1.25%, now 1.50%
new one SkyOne MMDA 1.25%
https://www.savebetter.com/credit-unions/skyone-federal-credit-union/high-yield-money-market-deposit-account

My list: http://www.rejohnsonjr.com/SAVINGS.HTM

Luana Savings Bank
https://luanasavingsbank.com/pages/deposit/now_money_market.asp
Deposit Balance Interest Rate APY
$0 - $49,999.99 1.250% 1.260%
$50,000 - $99,999.99 1.350% 1.360%
$100,000 - $249,999.99 1.450% 1.460%
$250,000 - $749,999.99 1.500% 1.510%
$750,000 and above 1.550% 1.560%

@craig10x

And i see it does say Direct Deposit…Did it work for you this month (June) as well?

My June transfer was scheduled for the 15th.
I moved it to Monday the 13th so we can see what happens next week !

@craig10x Astra is slow
Scheduled on May 18, showed up on May 24 as follows
"May 24 Astra Inc. Direct Deposit $25.00"
and my SoFi rate immediately went to 1.25%

Update: did another transaction on the 23rd that showed up on the 26th.
The 6-day transaction above included a weekend where the 3-day transaction was on weekdays.
Really shouldn’t make a difference but it’s a plausible explanation ?

Lending Club 1.05%

Live Oak Bank
"We’re excited to share that as of tomorrow, June 10, 2022,
your savings account will earn 1.05% Annual Percentage Yield (APY)"
(on a personal note, thank you alanmax for upvoting my posts)
http://www.rejohnsonjr.com/SAVINGS.HTM

Ivy Bank just went to 1.15%
https://www.ivybank.com/savings

TAB Bank 1.26%
https://www.tabbank.com/high-yield-savings

Two new ones, not greatest rate
Ivy Bank 0.85%
https://www.ivybank.com/savings
Total Direct Bank 0.85%
https://www.totaldirectbank.com/personal/money-market-accounts

CIBC Agility was 0.72%, now 0.87%
www.rejohnsonjr.com/SAVINGS.HTM
(Also have my referral links on above link)

Alliant Credit Union was 0.60%, now 0.75%
Varo Money was 0.50%, now1.20%

@c3 with the 0.50% referral bonus and the 0.10% AARP bonus I am now getting 1.45% on Marcus = WOW !

Vio Bank Cornerstone was 0.80%, now 1.03%
https://www.viobank.com/cornerstone-money-market-savings

@craig10x I can only base my opinion on personal experience. Easy to link my accounts with Plaid.
Did two test transactions from two accounts that work perfectly.

Set up my automated routine early in the month so if in the event it fails I have time to do a manual push.

There’s plenty of other accounts that are pushing 1.25% without jumping through hoops, so I do understand your point.

If I didn’t already have SoFi I would, as a new customer, use Astra to push $5,000 in the get the $300 funding bonus.

Definitely making more money from bank, credit card, and brokerage bonuses than from these tepid interest rates.
Collected $10,000 last year and I’m on track to do the same this year.