Posts made by goldsheet

@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

Bask Bank, was 0.70%, now 0.80% (as of April 1st)
https://www.baskbank.com

Alliant Credit Union Savings was 0.55%, now 0.60%

My Banking Direct
0.77% APY
$500.00 to open
NO monthly or maintenance fees.
Interest earned on daily balances of $1 or more.
Interest is credited monthly.
https://www.mybankingdirect.com/Products/HighYieldSavings

mph.bank
0.71% APY high-yield MMDA
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

CIBC was 0.52%, now 0.57%

Valley Direct 0.70%
https://www.valleydirect.com/

Northpointe 0.90% on 25k+
https://www.northpointe.com/earnmore/

@alanmax NEVER, rates are moving up do not lock in a low rate now.

1.10% beats all liquid accounts by 0.10%, and if liquid rates don’t get above 1.20% by the end of 10 months, you might come out a tiny bit ahead.

The 0.65% no penalty CD doesn’t make any sense to me with about 10 liquid account at or above 0.65%, and rising,

Just sharing, all optional options, don’t do if you don’t like, your mileage may vary

@c3 While not a no-penalty CD Marcus has a 10-month 1.10%
https://www.marcus.com/us/en/savings/high-yield-cds/10mcd_promo

RATE INCREASES
Lending Club High Yield Savings, was 0.60%, now 0.65%
Vio Cornerstone Money Market, was 0.55%, now 0.66%
Barclays Online Savings, was 0.50%, now 0.55%
Synchrony Bank HYS, was 0.50%, now 0.60%
Live Oak Bank Savings, was 0.50%, now 0.60%
Tab Bank High Yield Savings, was 0.50%, now 0.65%

@platypus If you don’t like it, don’t do it, I’m fine with it.

Not a great rate (0.60%), but a $200 bonus on 25K in 90days
EARN A $200 BONUS

1. OPEN A NEW ACCOUNT
   Open a Live Oak Bank savings account between 3/1/22 and 3/31/22.
2. Fund Your Account
   Deposit at least $25,000 into your account by 3/31/22.
3. Maintain Your Balance
   Maintain a balance of at least $25,000 for 90 days from the date of funding.
   https://info.liveoakbank.com/save-more

Another way to get higher interest
Current offers 4% on your first $2,000
Current Premium (4.95/month) gets you 4% on up to $6,000
(sometmes offer for free lifetime premium from MRBeast promo)
https://current.com
Current is a financial technology company, not a bank.
Banking services provided by Choice Financial Group, Member FDIC

This bank used to offer American Airlines AAdvantage® miles
Now you can get 0.70% instead (puts it at #3 in list)
zero minimum balance requirements and zero monthly account fees.
https://www.baskbank.com/

@my4mainecoons Money Maker, $3.98 @ Walmart, $4.49 from Ibotta