Posts made by goldsheet

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.

@craig10x I seem to recall that I signed up on the app not on the website
and it worked perfectly for a personal individual account.

Check out this page where there’s a link top right to install the app

https://astra.finance/blog/gettingstarted/

@craig10x I signed up as an individual not as a business.
Didn’t have to provide any of that information, very easy to sign up, and it
worked perfectly transferring money from my Wells Fargo checking to my SoFi checking.

Let me see if I can find a different link for you.
It’s definitely NOT a waste of time.
I know individuals that have pushed $5,000 through Astra and got the $300 bonus

@mtnagel
If you go through Swagbucks or mypoints to signup for SoFi you can get the bonus up to $475 ($175 referral + $300 from SoFi)
https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/

@mtnagel
I posted SoFi 1.25% on April 5
They have a promotion through 7/31/2022 where you can earn up to $300 if you direct deposit various amounts
Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash bonus
$1,000 - $1,999 $50
$2,000 - $4,999 $100
$5,000 or more $300
https://www.sofi.com/invite/money?gcp=c0428ca2-7425-4acc-811c-805cc7d6f72d&isAliasGcp=false

Bread was 1.00%, now 1.15%
Quontic High Yield Savings was 0.75%, now 1.01%
http://www.rejohnsonjr.com/SAVINGS.HTM

Patriot Bank 1.01%

Teachers Credit Union has a Smart Checking Account
It pays 1.00% on up to $15,000
There is a great bonus opportunity ($450 possible)

1. Get $50 when you join (referral link)
2. Get $100 if you spend $500+ on debit card within 60 days
3. Get $300 for 2 direct deposits totaling over $2500 within 60 days
   APPLY: https://share.teachersfcu.org/goldsheet
   TERMS: https://www.teachersfcu.org/new-member-offers
   Note: Application say 0.65% up to $10k, current rate page 1.00% up to 15K

Marcus was 0.60%, now 0.70%
Can also get an extra 0.50% for three months, for 1.20% total
https://www.marcus.com/share/ROB-F67-KYRZ

Lending Club High Yield Savings was 0.70%, now 0.85%

Valley Direct was .0.70%, now 0.75%
https://www.valleydirect.com/
Prime Alliance was 0.60%, now 0.80%
https://www.primealliance.bank/personal-savings#1

Sallie Mae Money Market was 0.65%, now 0.75%

CIT Savings Connect 0.90%
https://www.cit.com/cit-bank/savings-connect

Liberty Savings Bank 1.06%

Not a bank, but for those who have Robinhood (Brokerage)
“You’re eligible to earn a 1% interest rate (APY*) on your uninvested cash in your
brokerage account simply by enrolling in the brokerage cash sweep program.”

Popular Direct High-Rise Savings. 0.75%

Live Oak Bank was 0.60%, will be 0.80% on 5/11 (per email)

Something a little different (Rewards Checking)
4% on up to $20,000 for 12 months
( Then rate plummets)
Ability to earn dividends requires 15 qualifying transactions each statement cycle (such as using your debit card)
Federally Insured by NCUA
https://www.elements.org/personal/checking/high-interest-checking/

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Thanks for updating table.
I tried to keep posting current info.
Thought we lost you

First Foundation up to 1.00%
https://www.firstfoundationinc.com/personal-banking/bank/online-savings

Barclays Online Savings, now up to 0.70%
https://www.banking.barclaysus.com/online-savings.html

Tab Bank was 0.65%, now 0.75%
https://www.tabbank.com/high-yield-savings/
Updated Savings Rate Table

1.11% $100,000 and over
1.00% $20,000 to $99,999.99
https://www.connexuscu.org/accounts/money-market/

Vio Cornerstone was 0.71%, now 0.80%
Rising Bank was 0.55%, now 0.65%
Savings Rate Table

@atikovi Banks seem to be getting more stringent on DD requirements.
I’ve managed to fake a few using ACH
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/

@atikovi No idea what SoFi marketing strategy is by offering a premium rate for DD.

@atikovi
Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify

Converting above table into webpage (html) with links
SAVING TABLE WITH LINKS

deleted

@john99 Good find
Link: https://savings.breadfinancial.com/products/high-yield-savings-account

@c3 said in Best Nationally Available High APY Liquid Accounts:

Marcus savings: 0.60%, 13-month NPCD: 0.75%

Nice.
Currently getting 0.60% + 0.50% (referral bonus for 3 months) + 0.10% (AARP) = 1.20%

mph.bank high-yield MMDA
was 0.71% APY. now 0.85% APY
Deposits are FDIC Insured through Liberty Savings Bank
No fees. $1 minimum deposit
https://www.savebetter.com/banks/mph-bank/high-yield-money-market-deposit-account

CFG Bank Online High Yield Money Market was 0.59%, now 0.77%
PenFed Premium Online Savings was 0.55%, now 0.60%
Colorado Federal Savings Bank Premier Savings was 0.55%, now 0.60%
Barclays Online Savings was 0.50%, now 0.55%
Rising Bank High Yield Savings Account was 0.45%, now 0.55%

CIBC was 0.57%, now 0.62%
First Foundation was 0.50%. now 0.65%
Sallie Mae was 0.40%, now 0.65%

Vio Cornerstone Money Market Account was 0.66%, now 0.71%
https://www.viobank.com/cornerstone-money-market

SoFi now has a bank charter FDIC insured.
1.25% APY with direct deposit
0.70% APY without direct deposit
https://www.sofi.com/invite/money?gcp=c0428ca2-7425-4acc-811c-805cc7d6f72d&isAliasGcp=false