Posts made by goldsheet

Popular Direct
Exclusive (no longer available) is 0.50%, unchanged.
Ultimate (no longer available) was 0.65%, now 0.60%
Select was 0.70%, now 0.65%

Merchants Bank of Indiana Money Market Savings
1.00% APY
Minimum balance to open account is $50
No minimum balance to earn APY
https://www.merchantsbankofindiana.com/personal-banking/#money-market

Discover Savings was 0.60%, now 0.55%

Alliant Credit Union was 0.65%, now 0.55%
https://www.alliantcreditunion.org/bank/high-yield-savings
CIBC was 0.70%, now 0.62%
https://us.cibc.com/en/agility/agility-savings.html

We’re writing to let you know the Annual Percentage Yield (APY) on your HSBC
Direct Savings account is changing from 0.50% to 0.30% starting November 03, 2020.

Marcus is .060%, but one can get a bump up to 0.70% for AARP members
"Upon enrollment in this offer, your Marcus Online Savings Accounts will earn an Annual Percentage Yield (APY) that is .10% higher (the “APY Bonus”)
than the stated APY available at www.marcus.com for a period of 24 months, beginning on the date of enrollment "
More information and enrollment link here:
https://www.marcus.com/us/en/disclosure/savings-rate-bonus-offer-details

Popular Direct continues the name change game,
Exclusive (no longer available to open) is 0.50%
Ultimate (no longer available to open) is 0.65%
NEW PRODUCT
Select is 0.70% $5,000 minimum deposit
https://www.populardirect.com/products/savings/popular-direct-select-savings/

Salem 5 Direct was 0.80%, now 0.61%
Vio Bank was 0.76%, now 0.66%
Synchrony Bank HYS was 0.65%, now 0.60%

@paazel No ACH fees at Salem5 for several years now.
I have done both inbound and outbound transfers, no fees.
I previously posted about no $3 fee

First Foundation was 1.00%, now 0.75%

Gold Coast Bank Money Market Account
https://www.goldcoastbank.net/money-market-account/
0.00 to 4,999.99 0.25% APY
5,000.00 to 9,999.99 0.38% APY
10,000.00 to 19,999.99 0.50% APY
20,000.00 to 29,999.99 0.63% APY
30,000.00 to 39,999.99 0.75% APY
40,000.00 to 49,999.99 0.88% APY
50,000+ 1.01% APY

Northern Bank Direct was 0.75%, now 0.60%

I was not aware this had happened:
This came from my bank, Nationwide Banking by Axos, other banks may have their own limits and fees.

Withdrawal Limits Have Been Removed for Nationwide Banking by Axos
You may have heard that the Federal Reserve System’s Board of Governors announced amendments to Regulation D earlier this year.
Here’s what this means for you:
Moving forward, the six-transfer limit on withdrawals from savings deposit accounts has been removed.
This means that, depending on your available balance, you may initiate an unlimited amount of external transfers and withdrawals from savings and money market accounts without penalty.

Customers Bank Ascent Money Market Savings was 1.10%, now 0.80%
Community Wide Federal Credit Union High Rate Quarterly was 1.00%, now 0.90%
CIBC was 0.80%, now 0.70%
Synchrony was 0.75%, now 0.65%
TIAA was 0.75%, now 0.65%

IGO Banking, rate still 0.75% URL moved to
https://www.igobanking.com/our-products/money-market/
BankPurely still 0.75%, URL moved to:
https://www.bankpurely.com/purely-money-market/

Discover AAII was 0.75%. now 0.65%
Discover OSA was 0.70%. now 0.60%

Brio Direct was 0.70%, now 0.65%

Marcus was 0.80%, now 0.60% ( 0.10% additional available for AARP members )

VARO SAVINGS email
"Starting September 15, 2020, our 1.20% interest rate will
decrease to 0.81%, with a 0.81% Annual Percentage Yield (APY)."

Vio Bank was 0.91%, now 0.83%
Discover AAII was 0.85%, now 0.75%
Discover OSA was 0.80%, now 0.70%
Colorado Federal <$50k was 0.85%, now 0.70% >$50k was 1.00%, now 0.85%

CIBC was 0.90%, now 0.80%
Northern Bank Direct was 0.90%, now 0.75%
CFG High Yield Money Market - < $25,000 0.80% $25,000+ 0.90%

Simple Savings was 1.00%, now 0.80%
( so glad I transferred money in yesterday, not ! )

Vio Bank was 1.01%. now 0.91%

Customer’s Bank Ascent Money Market was 1.25%, now 1.10%
American Express HYS was 1.00%, now 0.80%

CIBC was 1.05%, is 0.90%, effective today. (8/17)

Vio Bank was 1.04%. now 1.01%

Northern Bank Direct MM was 1.00%, now 0.90%
https://www.northernbankdirect.com/

Vio was 1.11%, now 1.04%

Marcus has a promotion for AARP members that gives you an additional 0.1% to the 1.05% for 1.15%.
Available for current and new customers.

https://www.marcus.com/us/en/savings/aarp-savings

Redneck and All America down to 0.85%

CIBC Agility High Interest Savings Account was 1.15%. now 1.05%
Western States was 1.10%, now 0.75%

@jtownsucks46 yes, email from HSBC for 0.70%

HSBC Direct was 1.01%, now 0.70%

National Cooperative Bank Impact Money Market was 1.52%, now 1.11% (OUCH!)
PurePoint was 1.01%, now 0.80%
Vio Bank was 1.21%, now 1.11%

This one is not accepting additional accounts at this time.
Thought I would post it to monitor if it reopens.
https://www.quonticbank.com/personal-money-market/
1.30% $150,000+
1.26% $5,000 – $149,999.99
1.01% $0 – $4,999.99

Affirm Savings 1.30%
https://www.affirm.com/savings
No minimum. No fees.
Fintech firm, assets held at Cross River Bank (FDIC)

Simple Savings, was 1.20%, now 1.00%

Vio Bank was 1.35%, now 1.21%

redneckbank Mega Money Market is 1.10% APY as of today 6/22/20
I no longer see the high rate savings account listed on the all america bank site
Appears they are now calling it “Mega Money Market® Checking” at 1.10%
Wallet style checks are available.
LINK: https://allamerica.bank/personal/banking/checking/mega-money-market-checking

CIBC was 1.35%, now 1.15%

@jtownsucks46
Nationwide apparently changed the rules (making it hard to get the 1.40%)
"Earn up to 1.40% APY with My Savings when you open a My Checking account and set up a $1,000 direct deposit. Easy peasy.“
OR
"Not ready for a My Checking account? You can still earn 1.00% APY* with a My Savings account, a la carte.”

My Nationwide Summary
Regular earns 1.30% if balance over $300
Money Market earns 1.30% if balance over $10,000
MySaving is 1.40% with MyChecking
MySaving is 1.00% without MyChecking

Personal note: This is the same silliness Axos did when they were Bank of the Internet and UFB Direct.
I should have known better. My account now shows 1.00% = not amused.
(just opened a Regular @1.30% to get my money out of 1.00% MySavings)

Patriot Bank was 1.75%, now 1.40%
Dollar Savings Direct was 1.40%, now 1.30%
Citizens Access was 1.30%, now 1.15%
Popular Direct Ultimate was 1.30%, now 1.20%
Marcus was 1.30%, now 1.05%

First Foundation was 1.60%, now 1.45%

Nationwide(Axos) Bank Savings was 1.61%, now 1.51%

Northern Bank Direct MM was 1.50%. now 1.25%
https://www.northernbankdirect.com/money-market

First Foundation was 1.75%, now 1.60%

Popular Direct Ultimate Savings was 1.65%, now 1.60%

Marcus was 1.55%, now 1.30%

Simple Savings: was 1.55%, now 1.40%
HSBC Direct Savings was 1.70%, now 1.60%
Popular Direct Ultimate Savings was 1.70%, now 1.65%
Synchrony Bank HYS was 1.50%, now 1.30%
SmartyPig was 1.40%, now 1.30%

@jtownsucks46 It was showing 1.50% at the time I went through the list and posted.

CIT Savings Builder was 1.55% now 1.50%

Off Topic
Hope everyone is safe and well.
Due to lower rates my income has dropped.
Recently reapplied to my health insurance (CoveredCA) which increased my assistance and decreased my monthly payment,
I’d rather have more interest, but I’ll take what I can get !