Posts made by jtownsucks46

EBSB Direct High Yield Savings is back - 2.50% with a $5,000 minimum

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

Vanguard Prime Money Market Fund has Yield of 2.29%
Does this count as a Liquid Account?
https://investor.vanguard.com/mutual-funds/profile/overview/vmmxx

Is it FDIC insured?

PNC High Yield Savings(not nationally available) up to 2.35%

Earn.Bank up to 2.31%

Put it on a credit card that forgives balances under a $1 and you end up with a free year!

Worked perfectly, thank you!

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

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

---

6.17% APY
https://www.dcu.org/personal-banking/savings-reg-shar.html

---

I do not believe they do an Hard Pull to open account with them, they will do a Soft Pull. I would still give them a shot.

Up to $1,000, then 0.25%. Not worth the time applying.

I can also confirm it definitely is a HP.

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

Then PNC needs to be removed from the list. Isn’t the thread for Nationally Available accounts?

Yes, you’re correct - thank you for pointing this out. I removed from the table but here it is for future reference:

PNC Savings up to 2.35%

Vio Bank up to 2.25%

Citizen’s Access up to 2.25%

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

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

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

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

Northpointe Bank now offering an account paying 2.30% guaranteed for 12 months with minimum deposit of $100,000. https://www.northpointe.com/earn230/

Weren’t they the bank that credited interest quarterly? On this account it’s monthly.

Yes on their 1.95% account which requires a minimum of $25,000, it’s credited quarterly.

So is this the same account? I have 1 cent in it after transferring the money to higher rate accounts. If I put $25K+ back in will I get 2.30% or do I have to ask them or do I have to open a new account?

Different account that requires 100k to get the 2.30%

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

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

Northpointe Bank now offering an account paying 2.30% guaranteed for 12 months with minimum deposit of $100,000. https://www.northpointe.com/earn230/

Weren’t they the bank that credited interest quarterly? On this account it’s monthly.

Yes on their 1.95% account which requires a minimum of $25,000, it’s credited quarterly.

Northpointe Bank now offering an account paying 2.30% guaranteed for 12 months with minimum deposit of $100,000. https://www.northpointe.com/earn230/

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

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

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

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

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

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

Popular Direct up to 2.26%

Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.

-Z

So? Just drop your balance to $0.01.

So you get your balance back LESS the $25 termination fee and the $0.01 you leave in the account. Not a good deal when you lose part of your principal. Breakeven is at three months by my reckoning. For example, put $5K in at 2.65%, so you would earn (rounded, and without compounding), $11.04 per month. To equal the $25 termination fee, you would have to stay in at least three months and hope that they don’t drop the rate during those three months. If they guaranteed the rate for three months, I would be OK with taking a chance and putting my money there.

Yes, they have been raising their rate, but no guarantee that they will continue.

• Z

What bank are you getting 2.65% at?

Follow the thread back to the beginning of this discussion. https://www.populardirect.com/products/savings/popular-direct-plus-savings

Popular pays 2.26%

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

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

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

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

Popular Direct up to 2.26%

Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.

-Z

So? Just drop your balance to $0.01.

So you get your balance back LESS the $25 termination fee and the $0.01 you leave in the account. Not a good deal when you lose part of your principal. Breakeven is at three months by my reckoning. For example, put $5K in at 2.65%, so you would earn (rounded, and without compounding), $11.04 per month. To equal the $25 termination fee, you would have to stay in at least three months and hope that they don’t drop the rate during those three months. If they guaranteed the rate for three months, I would be OK with taking a chance and putting my money there.

Yes, they have been raising their rate, but no guarantee that they will continue.

• Z

What bank are you getting 2.65% at?

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

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

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

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

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

Popular Direct up to 2.26%

Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.

-Z

So? Just drop your balance to $0.01.

You actually have to drop it to $500 in order to avoid a fee, HOWEVER, Popular has been consistently raising their rates to be at or near the top of all banks during this calendar year so unlikely that they’ll drop their rates…

Damn! Must have missed that. I dropped it to 1 cent at the beginning of the month after going to another bank.

Well at least it’s just going to cost you $4. You can throw $500 in there for next month so you don’t have to pay again. 2.26% is still a good rate.

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

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

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

Popular Direct up to 2.26%

Not excited about this bank. There’s a $25 fee if you close the account within 180 days of opening the account, and they won’t guarantee the rate for any amount of time. You could earn the rate for a couple of months, then they drop it to 0.25%, and you’re stuck because you didn’t earn enough to cover the $25 early termination fee.

-Z

So? Just drop your balance to $0.01.

You actually have to drop it to $500 in order to avoid a fee, HOWEVER, Popular has been consistently raising their rates to be at or near the top of all banks during this calendar year so unlikely that they’ll drop their rates…

Popular Direct up to 2.26%

Redneck and All America MM up to 2.25%
CIBC up to 2.16%
Sallie Mae up to 2.12%

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

https://www.dcu.org/
5.12% APY up to $1,000.00
https://www.hfcu.org/cu-thrive.html
3.00% APY up to $500.00 per month deposit
I use both of them and have been with DCU for years now. I am not sure if they are worth a shot but it is great to save money for kids college money or something similar.

I believe DCU requires a hard pull which may make it unattractive for many.

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

LiveOakBank saving account raised to 1.85% (from 1.80%). Not really worth mentioning…
CustomerBank saving 2.25%
(https://www.customersbank.com/ascent/?utm_source=Bankrate&utm_medium=cpc&utm_campaign=ascent_mma&utm_content=bankrate_tables)
VIOBank saving 2.15%
(https://www.viobank.com/high-yield-savings)

Added Vio Bank to the table. Others were already there. Thank you!

@craig10x said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 : Thanks…I previously had an ESBS account and am using my old user id…in my case, i may be considered to be an old customer since the system had me in there from before…will be interesting to see what happens when the first deposit goes in…

@craig10x let us know

@craig10x said in Best Nationally Available High APY Liquid Accounts:

I recently opened the EBSB Direct Savings Account…does anyone know: 1) If a deposit posts right away when you set up an incoming transfer using their system? 2) Any hold placed on funds? if so, how long? (when you transfer in using their system)…

From their disclosures:

External Transfers
Accounts are considered new for a period of thirty (30) days; during this time period those funds transferred from an external account to your account at East Boston Savings Bank will not be available for withdrawal for nine (9) business days.
After the thirty (30) day new account time period those funds transferred from an external account to your account at East Boston Savings Bank will not be available for withdrawal for three (3) business days.
External Transfers to CDs: Only the initial transfer to fund the CD is permitted.
Your account is not considered opened until you verify your external account. The thirty (30) day new account period begins from this date, not the date you applied online for the account.

What is Shop Safe? Is it related to Citi?

Popular Direct up to 2.10%

Table updated with the following rate changes:

Mutual One Savings 2.02% —> 2.12%
Sallie Mae MM 1.90% —> 2.00%
Investor’s MM 1.90% —> 2.10%
Discover AAII Savings 1.85 —> 1.90%
Ally Savings 1.85% —> 1.90%
Synchrony Savings 1.85% —> 1.90%
Alliant Savings 1.80% —> 1.90%
Memory MM 1.85% —> 2.25%
Discover Savings 1.80% —> 1.85%
Self Help MM 1.58% —> 1.71%
Smarty Pig Savings 1.55% —> 1.75%

As well as 2 new accounts added to the table:

CIT Savings Builder 2.15%
EBSB Savings 2.50%

Citizen’s Access up to 2.12% from 2%
Barclay up to 1.9% from 1.85%
American Express up to 1.9% from 1.8%

@thediggler Had the same thing happen with credit.com - annoying!

Most banks have a no interest account which has no min balance or negligible balance and an interest bearing account(usually requires a $1,000-$3,000 min balance).

Also added a new bank to the list - PNC High Yield Savings pays 2.20% with no minimum and 5M max. Credit card funding also available.

Thanks - table updated!

@goldsheet yes, your contributions are always accurate and appreciated!!

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

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

Alliant Credit Union High Yield Savings up to 1.75% APY
https://www.alliantcreditunion.org/bank/high-yield-savings

For the last month at least.

Yes, as of 8/1

@paazel Wouldn’t do it. May be hard to get your money back out since they don’t have ACH built in and they limit ACH’s that are initiated externally to $5,000.

Alliant up to 1.75% - barely worth reporting.

@connee521 said in Lenovo ideapad 320 15.6" Laptop, Windows 10, AMD A9-9420 Dual-Core Processor, 4GB RAM, 1TB Hard Drive - Walmart, YMMV $99:

I don’t see this deal anywhere on walmart’s website.

???

It’s not an advertised sale item. It’s something they’ve clearanced out and many stores won’t have any. Some may have a few. The OP has the link to check inventory near your location using your zip code.

Wow - it’s ridiculous how cheap tv’s that were one considered big screens are nowadays!

Popular Direct

12 months - 2.5%
24 months - 2.95%

Popular Direct moved up to 2% today

@goldsheet thanks - table updated

igobanking money market up to 2%

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

Bank5 Connect High-Interest Savings
2.05% APY on balances of $100 and above
Nationwide, except Massachusetts and Rhode Island.
http://www.bank5connect.com/home/high-interest-savings

Thanks - table updated

@goldsheet Thanks - table updated. Also Colorado Savings Bank up to 1.9%

Requires an in home visit from a salesman - not worth it to me.