Best posts made by jtownsucks46

My Banking Direct Savings was 3.55% now 4.05%

Ivy Bank Indexed Savings was 3.84% now 4.03%
Western Bank MM was 3.50% now 4.25%
Bank Purely Index MM was 3.46% now 3.90%
iGo Banking Index MM was 3.46% now 3.90%
TIAA Bank MM was 3.00% now 3.35%
CommunityWide Hi Rate Monthly was 2.00% now 3.50%
Self Help CU MM was 1.89% now 2.14%

Two new financial institutions with Savings/MM accounts on the savebetter platform:

Western Alliance Bank Savings 4.23%
The Atlantic FCU MM 4.10%

Great Lakes CU MM(via savebetter) was 4.10% now 4.20%

CFG Bank MM was 4.15% now 4.25%
Removed Third Coast Bank Savings(via SaveBetter) 4.13% - no longer offered
Removed Patriot Bank MM(via SaveBetter) 4.00% - no longer offered

Vio Cornerstone MM was 4.01% now 4.17%
Brilliant Bank Savings was 4.01% now 4.30%

Republic Bank MM was 4.28% now 4.37%

Tab Bank Savings was 3.64% now 4.06%

Looks like we have a new rate leader:

Purely Money Market was 3.50% now 4.45%(25k minimum)

Also a new account:

Mutual One Mo Premium Savings 4.07% requires 20k minimum daily balance

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

Republic Bank MM was 4.37% now 4.47%
Ivy Bank Savings was 4.05% now 4.25%

Blue FCU MM was 4.15% now 4.25%
Ivy Bank Indexed Savings was 4.03% now 4.71%
Community Wide FCU Monthly Savings was 3.50% now 4.00%
TIAA Bank MM was 3.35% now 3.45%
Alliant CU Savings was 2.70% now 2.95%
PenFed CU Savings was 2.30% now 2.70%

Western Bank MM was 4.25% now 4.40%
Quontic Bank Savings was 3.50% now 3.70%
Barclays Bank Savings was 3.40% now 3.60%
American Express Savings was 3.30% now 3.40%

State Exchange Bank Savings(via SaveBetter) was 4.20% now 4.35%
Discover AAII Savings was 3.35% now 3.45%
Discover Savings was 3.30% now 3.40%

Bread Financial(Comenity Capital Bank) Savings was 4.00% now 4.25%
Prime Alliance Bank Savings was 3.65% now 4.05%

Primis Bank Checking and Saving Accounts both dropped from 5.03% to 4.35%

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

@atikovi What about Primis checking accounts? Think they’ll stay at 5.03% too?

Yes, I opened the checking instead of the savings and got the same email just with checking substituted for savings.

Valley Direct Savings was 4.00% now 4.20%

Sallie Mae Bank MM was 3.60% now 3.75%
Sallie Mae Bank Savings was 3.50% now 3.65%
Discover Bank AAII Savings was 3.45% now 3.55%
Discover Bank Savings was 3.40% now 3.50%
Ally Bank MM was 3.40% now 3.50%

Citizens’s Bank Access Savings was 3.75% now 4.00%

Republic Bank Digital MM was 4.53% now 4.60%
Vio Bank Cornerstone MM was 4.20% now 4.30%
Lemmata Savings Bank MM(via SaveBetter) was 3.95% now 4.25%
Smarty Pig by Sallie Mae Bank Savings was 3.40% now 3.50%

Ivy Bank’s Indexed Savings Account is back and available for application for new customers again. 4.75% Nationally available except CA

https://www.ivybank.com/savings

Blue FCU MM (via SaveBetter) was 4.25% now 4.42%

Brilliant Bank Savings was 4.30% now 4.65%
Continental Bank Savings(via SaveBetter) was 3.65% now 4.41%

American First CU MM(via SaveBetter) was 4.30% now 4.48%

Western Alliance Bank Savings(via SaveBetter) was 4.45% now 4.50%
Citizen’s Bank Savings was 4.00% now 4.25%
USAlliance Financial Savings was 3.75% now 4.25%
Virtual Bank MM was 3.30% now 3.87%

The Atlantic FCU MM was 4.40% now 4.50%
Vio Bank MM was 4.30% now 4.40%
CIT Bank Savings Connect was 4.05% now 4.20%

Western Alliance Bank Savings(via SaveBetter) was 4.50% now 4.55%
Lemmata Savings Bank MM(via SaveBetter) was 4.25% now 4.55%

Patriot Bank MM(via SaveBetter) was 4.30% now 4.60%
Bread Financial Savings was 4.25% now 4.50%
Sallie Mae MM was 3.75% now 3.80%
Sallie Mae Savings was 3.65% now 3.70%
Colorado Savings Bank Savings was 3.05% now 3.75%

CFG Bank MM was 4.80% now 5.02%
Merchants Bank of Indiana MM was 4.34% now 4.50%
Western Alliance Bank Savings(via SaveBetter) was 4.55% now 4.75%

First Internet Bank Savings was 4.65% now 4.93%(balances 1M and over)
Wealthfront Savings was 4.05% now 4.30%
Sallie Mae MM was 3.80% now 4.05%
Rising Bank Savings was 3.75% now 4.25%
Sallie Mae Savings was 3.70% now 3.95%
Live Oak Bank Savings was 3.50% now 4.00%

Ivy Bank High Yield Savings was 4.25% now 4.50%

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

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Ivy Bank High Yield Savings was 4.25% now 4.50%

Which is different from their Indexed savings account paying 4.75%, right?

Correct; I believe we’ll see an update on the Indexed account on the first of the month.

The High Yield can change at any time just like any other Savings/MM account. The Indexed account rate resets at the beginning of each calendar month and is indexed to the One-Month Treasury Par Yield. Not overly familiar with the One-Month Treasury Par Yield so maybe others will weigh in on this aspect of it as to whether it’s a good thing or not. One positive may be that in a declining rate environment, some accounts may have numerous interest rate drops in a month time but with this account, it appears that it will only decrease once a month.

Patriot Bank MM(via SaveBetter) was 4.75% now 4.80%
The Atlantic FCU MM(via SaveBetter) was 4.65% now 4.75%
Popular Direct Savings was 4.45% now 4.55%
mph Bank MM(via SaveBetter) was 4.41% now 4.60%
Western Bank MM was 4.40% now 4.55%
The State Exchange Bank Savings(via SaveBetter) was 4.35% now 4.70%
Liberty Savings Bank Savings(via SaveBetter) was 4.31% now 4.50%
Bank Purely MM was 4.12% now 4.34%
iGo Banking MM was 4.12% now 4.34%
TIAA Bank Savings 1 year intro 4.25%(no change to ongoing rate of 3.85%)
TIAA Bank MM 1 year intro 4.25%(no change to tiered ongoing rate schedule)
ETrade Savings was 3.50% now 3.75%
Capital One Savings was 3.40% now 3.50%
Self Help CU MM was 2.44% now 2.63%

New savings account from Elements Financial CU. Balances of $10,000.00 and above will earn a fixed promotional Annual Percentage Yield (APY) of 4.25% until October 31, 2023.

https://www.elements.org/personal/savings/high-yield-savings/

Western Alliance Bank Savings(via SaveBetter) was 4.80% now 4.85%
Green State Credit Union Savings(via SaveBetter) was 4.75% now 4.85%
Discover Bank AAII Savings was 3.65% now 3.80%
Discover Bank Savings was 3.60% now 3.75%
Zions Bank MM was 1.77% now 2.02%

Synchrony Bank Savings was 4.00% now 4.15%

Betterment Cash Reserve was 4.20% now 4.35%
Virtual Bank MM was 3.87% now 4.15%

2 new banks/credit unions on the SaveBetter platform:

First Mid Bank & Trust Savings 4.90% https://www.savebetter.com/banks/first-mid-bank-and-trust
Medallion Bank Savings 4.82% https://www.savebetter.com/banks/medallion-bank

mph Bank MM(via SaveBetter) was 4.60% now 4.70%
Liberty Savings Bank Savings(via SaveBetter) was 4.50% now 4.60%
Sallie Mae MM was 4.05% now 4.15%

Popular Direct Savings was 4.65% now 4.75%
Total Direct Bank MM was 4.50% now 4.82%
American First Credit Union MM(via SaveBetter) was 4.48% now 4.90%
Smarty Pig by Sallie Mae Savings was 3.50% now 3.75%

Western Alliance Bank Savings(via SaveBetter) was 4.85% now 5.05%
GreenState CU Savings(via SaveBetter) was 4.85% now 5.01%
Bread Financial(Comenity Capital Bank) Savings was 4.50% now 4.65%

Am I missing any thing?

Not FDIC insured?

@phat200 said in Best Nationally Available High APY Liquid Accounts:

The Vanguard Treasury MMF (and other treasury MMF) invests primarily in T-Bills (and potentially other Treasury securities). Therefore, all underlying assets are guaranteed by US Gov’t, which I think is better than FDIC insurance – for one thing there is no $250K limit,

Looks like very low risk but maybe not completely risk free?

https://www.investopedia.com/terms/u/united-states-treasury-money-mutual-funds.asp#:~:text=U.S. Treasury money mutual funds are one of the industry’s,low-risk fixed income categories.

Popular Direct Savings was 4.75% now 4.85%
Betterment was 4.35% now 4.50%
Idabel National Bank MM(via SaveBetter) was 4.35% now 4.45%
Dollar Savings Direct Savings was 3.50% now 4.00%
Zions Bank MM was 2.02% now 2.28%

Dollar Savings Direct Savings was 4.00% now 5.00%

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

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

Andrews Federal Credit Union 5.75%
Special Limited-Time Only Online Savings Account
Now open to new accounts through December 31, 2023.
Compliments the base share savings account as an additional account.
Dividends are credited and compounded monthly.
If the average daily balance of the account exceeds $1,000
https://www.andrewsfcu.org/Learn/Resources/Rates/Savings-Rates

$5 to open base share savings account
Easy membership via American Consumer Council (join for $8)
https://www.americanconsumercouncil.org/

You did read where it says balances over $1,000 will earn 0.05%. Pretty worthless account I’d think.

Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY)
$.01 - 1,000.00 5.630% 5.75%
$1,000.01 and greater 0.050% 0.05%

I think this is the same or very similar as the Digital Federal Credit Union account that pays 6% but just on balances up to $1,000.

Rising Bank Savings was 4.25% now 4.50%
Discover AAII Savings was 4.05% now 4.20%
Discover Savings was 4.00% now 4.15%

Western Alliance Bank Savings(via Raisan) was 5.10% now 5.15%
The State Exchange Bank Savings(via Raisin) was 4.85% now 5.05%
Hanover Bank MM(via Raisan) was 4.85% now 5.15%
Sallie Mae Bank MM was 4.15% now 4.25%
Sallie Mae Bank Savings was 4.05% now 4.10%
Colorado Savings Bank Savings was 4.00% now 4.25%
Smarty Pig Savings(by Sallie Mae Bank) was 3.75% now 3.85%
Emigrant Direct Savings was 3.50% now 4.00%
Self Help Credit Union MM was 2.96% now 3.05%
CommunityWide FCU Savings was 1.00% now 2.00%