Best posts made by jtownsucks46

New Raisin(SaveBetter) banks/credit unions:

Pacific Western Bank MM 5.15%
Ocean First Bank Savings 5.15%
Columbia Bank Savings 5.15%
Select Bank Savings 5.11%
Grand Bank MM 5.01%
Stage Point FCU MM 5.00%
First National Northwest Bank MM 4.85%

OceanFirst Bank Savings(via raisin) was 5.15% now 5.17%
Pacific Western Bank MM(via raisin) was 5.15% now 5.16%
Cloud Bank 24/7 Savings(via raisin) was 5.11% now 5.20%
Total Direct Bank MM was 5.07% now 5.20%
Blue Federal Credit Union MM (via raisin) was 4.90% now 5.15%
Tab Bank Savings was 4.76% now 5.02%
Synchrony Bank Savings was 4.30% now 4.50%
Sallie Mae Bank MM was 4.25% now 4.50%
Lending Club Bank Savings was 4.25% now 4.50%
Sallie Mae Bank Savings was 4.10% now 4.25%
SFGI Direct Bank was 4.01% now 4.26%

Ally Email 7/21/2023:

“Your Money Market Account rate is increasing from 4.15% to 4.30% Annual Percentage Yield (APY) on all balance tiers. Your new APY goes into effect on 7/24/2023, and will appear in your account on 7/25/2023.”

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

Total Direct Bank was 5.07%, now 5.20%

Posted previously on Friday.

Pacific Western Bank MM(via raisin) was 5.16% now 5.25%
Merchant’s Bank of Indiana MM was 4.75% now 5.00%
Barclays Bank Savings was 4.15% now 4.35%
Ally Bank MM was 4.15% now 4.30%
E Trade Savings was 3.85% now 4.00%

First Internet Bank Savings(1M +) was 5.20% now 5.46%
First Internet Bank Savings(under 1M) was 3.66% now 3.76%
CIT Bank Savings was 4.95% now 5.05%
Discover AAII Savings was 4.20% now 4.35%
Discover Savings was 4.15% now 4.30%

Bask Bank Savings was 4.85% now 5.00%

Bread Financial Savings was 4.90% now 5.00%

Ocean First Bank Savings(via raisin) was 5.17% now 5.25%
Western Alliance Bank Savings(via raisin) was 5.15% now 5.20%
Vio Bank MM was 5.02% now 5.15%
Grand Bank MM(via raisin) was 5.01% now 5.20%
GreenState CU Savings(via raisin) was 5.01% now 5.16%
iGObanking MM was 4.85% now 5.05%
BankPurely MM was 4.75% now 5.05%

New accounts added to the list:

Modern Bank MM 5.20%(100k min balance required)
Modern Bank MM 4.40%(1k min balance required)
mph Bank Savings 5.00%(they also offer a 4.70% account through raisin)
Blue powered by Dime Bank Savings 5.10%(5k min balance required; not available to NY and CA residents)
Evergreen Bank Group Savings 5.25%($100 min required to open; no ongoing min; capped at 1M)

Newtek Bank Savings was 5.15% now 5.25%
American First CU (via raisin) was 5.15% now 5.24%
Popular Direct Savings was 5.10% now 5.15%
CIBC Bank Savings was 4.67% now 4.76%
MyeBanc MM was 4.29% now 5.01%(above 100k)
FNBO Direct Savings was 4.15% now 5.15%
Smarty Pig Savings by Sallie Mae Bank was 4.00% now 4.25%
MyeBanc MM was 3.10% now 4.10%(belowe 100k)
Paramount Bank Interest Checking was 3.00% now 3.25%
National Cooperative Bank MM was 2.28% now 2.53%

Western Alliance Bank Savings (via raisin) was 5.20% now 5.25%
Total Direct Bank MM was 5.20% now 5.26%
SkyOne FCU MM (via raisin) was 5.05% now 5.24%
Connexus CU Savings (via raisin) was 4.75% now 5.26%
CIT Bank Savings Connect was 4.6% now 4.65%
American Express Savings was 4.15% now 4.25%
Live Oak Bank Savings was 4.00% now 4.15%

New raisin accounts:

Greenwood CU Savings 5.25%
Oklahoma State Bank MM 5.21%
Border Bank MM 5.21%

Oklahoma State Bank MM (via raisin) was 5.21% now 5.25%
Valley Direct Bank Savings was 5.00% now 5.25%

CFG Bank MM was 5.20% now 5.25%
EverBank Online Savings was 5.00% now 5.15%(1 year intro APY)
Bread Savings was 5.00% now 5.15%
First Financial Northwest Bank (via raisin) was 4.85% now 5.27%
Ivy Bank Savings was 4.80% now 5.00%(rate guaranteed through 6/30/24)
Connect One Bank Savings was 4.30% now 5.00%(requires 250k balance; below 250k pays 4.90%)
Self Help CU MM was 3.11% now 3.32%

First Resource Bank MM (via raisin) was 5.20% now 5.26%
Select Bank Savings (via raisin) was 5.11% now 5.25%
CIBC Savings was 4.76% now 5.01%

Bask Bank Savings was 5.00% now 5.10%

New raisin accounts:

dr Bank Savings 5.27%
Uncle Credit Union MM 5.26%
Dayspring Bank MM 5.26%
CF Bank Savings 5.26%
WE Credit Union Savings 5.26%

Discover AAII Savings was 4.35% now 4.40%
Discover Savings was 4.30% now 4.35%

Brilliant Bank MM was 4.65% now 5.35%

DR Bank Savings (via raisin) was 5.27% now 5.29%
Prism Bank MM (via raisin) was 5.25% now 5.28%
Stage Point FCU MM (via raisin) was 5.00% now 5.29%
Lending Club Savings was 4.50% now 4.65%

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

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

Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank

I’d be very careful about opening an account there. Site seems a bit fishy and many online reviews suggest it’s a scam. No phone number for contact is one red flag. That you have to download an app to a phone to use it and not being able to use a computer is another.

Always good to be cautious, but does seem to be legitimate:

https://www.fnbo.com/privacy/consumer

raisin institutions are a mixed bag; some up and some down:

America First CU MM was 5.27% now 5.30%
First Resource Bank MM was 5.26% now 4.85%
Western Alliance Bank Savings was 5.26% now 5.21%
GreenState Credit Union Savings was 5.16% now 5.00%
adda Bank Savings was 5.15% now 4.90%
The Atlantic Federal CU MM was 5.01% now 5.29%

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

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

Popular Direct Savings was 5.40% now 5.35%

And now it’s 5.25%

And now 5.20%

InRoads FCU (via raisin) was 5.13% now 5.23%

American First CU MM (via raisin) was 5.24% now 5.20%
Harborstone CU MM (via raisin) was 5.25% now 5.15%

UFB High Yield Savings and High Yield MM have been discontinued and replaced by UFB Secure Savings and Secure MM; new accounts pay same APY as old accounts - 5.25%

Tab Bank Savings was 5.27% now 5.02%
UFB Direct Savings was 5.25% now 5.15%
UFB Direct MM was 5.25% now 5.15%
First Mid Bank & Trust MM (via raisin) was 5.18% now 4.60%
Mission Valley Bank Savings (via raisin) was 5.09% now 5.15%
Rising Bank Savings was 5.00% now 4.90%
Virtual Bank MM was 5.00% now 5.25%

My Banking Direct Savings was 5.45% now 5.35%
Harborstone CU MM (via raisin) was 5.25% now 5.20%
nelnetbank Savings (via raisin) was 5.22% now 5.00%
Dayspring Bank MM (via raisin) was 5.21% now 5.16%
Western State Bank MM was 5.15% now 4.85%

Table updated.

Sallie Mae Savings and MM both dropped from 4.50% to 4.20%

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

Email from Pibank was 5.50%, will be 5.00%

Thanks! Newtek Bank Savings also down to 4.90% from 5.25%

Bank of Hope 5.10% appears to be dead. Account removed from the website. Not sure if current customers are still earning 5.10% or if they’ve lowered.