Posts made by jtownsucks46

UFB Direct Priority Savings and Priority Money Market were 5.06%. Both replaced with UFB Direct High Yield Savings and High Yield Money Market both paying 5.25%.

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%

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)

Bread Financial Savings was 4.90% now 5.00%

Marcus by Goldman Sachs Savings was 4.15% now 4.30%

Patriot Bank MM(via raisin) was 5.15% now 5.22%
Popular Direct Savings was 5.05% now 5.10%
BankPurely MM was 4.56% now 4.78%
iGObanking MM was 4.56% now 4.78%
Sallie Mae Bank MM was 4.50% now 4.75%
TIAA Bank Savings was 4.50% now 4.75%(1 year intro rate)
TIAA Bank MM was 4.50% now 4.75%(1 year intro rate)
Betterment Cash was 4.50% now 4.75%
Empower Personal Cash was 4.45% now 4.70%
USAlliance Financial Savings was 4.40% now 4.65%
Ally Bank MM was 4.30% now 4.40%
Sallie Mae Bank Savings was 4.25% now 4.50%
Quontic Bank Savings was 4.25% now 4.50%
E-Trade Savings was 4.00% now 4.25%
American Express Savings was 4.00% now 4.15%
Ally Bank Savings was 4.00% now 4.25%
SmartyPig Savings (Sallie Mae) was 3.85% now 4.00%
FNBO Direct Savings was 3.75% now 4.15%

Bask Bank Savings was 4.85% now 5.00%

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

Newtek Bank, as of July 31st, will be paying 5.15% APY* on your Consumer High Yield Savings account.

Posted previously.

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%

Newtek Bank, as of July 31st, will be paying 5.15% APY* on your Consumer High Yield Savings account.

Wealthfront Cash was 4.55% now 4.80%

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

Primis Savings account from 5.10% to 5.16%

Great for those of us grandfathered in! I still don’t think they’re allowing new customer sign ups.

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%

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%

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

Total Direct Bank was 5.07%, now 5.20%

Posted previously on Friday.

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.”

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%

Republic Bank MM was 4.75% now 5.21%

Valley Direct Savings was 4.85% now 5.00%

adda Bank Savings (via raisin) was 4.85% now 5.15%

Bread Savings was 4.75% now 4.90%

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

@jtownsucks46
Emigrant Direct appears to be 4.00% ?

Good catch on my typo, it is 4.00% up from 3.50%. Thank you!

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%

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%

Northern Bank Direct MM was 4.75% now 4.95%

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

NEW: Brillant Bank Magnetic Money Market 4.65%

Appears “Brilliant Bank Luminary Money Market” is still 5.25% but no longer available.

Note: Except Arkansas, Kansas, Missouri, and Oklahoma

When you go to open an account, there are actually 3 options that come up so hard to tell what’s really going on with Brilliant…

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%

@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.

Western Alliance Bank Savings(via SaveBetter) was 5.05% now 5.10%
Mission Valley Bank Savings(via SaveBetter) was 5.01% now 5.06%
CIT Bank Platinum Savings was 4.87% now 4.95%
USAlliance Financial Savings was 4.25% now 4.40%
Barclays Bank Savings was 4.00% 4.15%
SkyOne Federal Credit Union MM(via SaveBetter) was 3.75% now 5.05%

Changes:
American First Credit Union MM(via SaveBetter) was 5.03% now 5.05%
Patriot Bank MM(via SaveBetter) was 5.02% now 5.05%
Capital One Bank Savings was 4.00% now 4.10%

New account:
Bank5Connect Jumbo Savings(min required balance $100k) 5.10%

CFG Bank MM was 5.07% now 5.12%
Bask Bank Savings was 4.75% now 4.85%

Cloud Bank 24/7(via SaveBetter) was 5.00% now 5.05%
Popular Direct Savings was 4.85% now 5.00%
iGo Banking MM was 4.75% now 4.85%
Lemmatta Savings Bank MM (via SaveBetter) was 4.55% now 5.03%
Valley Direct Savings was 4.50% now 4.85%
Bank Purely Index MM was 4.34% now 4.56%
iGo Banking Index MM was 4.34% now 4.56%
Communitywide Credit Union Monthly Savings was 4.25% now 4.50%
TIAA Bank Savings was 4.25% now 4.50%(guaranteed for 1 year)
TIAA Bank MM was 4.25% now 4.50%(guaranteed for 1 year)
Synchrony Bank Savings was 4.15% now 4.30%
Discover AAII Savings was 3.95% now 4.05%
Discover Savings was 3.90% now 4.00%
American Express Savings was 3.90% now 4.00%
Capital One Bank Savings was 3.75% now 4.00%
First Internet Bank MM was 3.56% now 3.66%
Self Help Credit Union MM was 2.82% now 2.96%
PenFed Credit Union Savings was 2.70% now 3.00%
Zions Bank MM was 2.28% now tiered rates: 1k-25k: 4.24%, 25k-100k: 4.34%, 100k+: 4.45%

Dollar Savings Direct Savings was 4.00% now 5.00%

All America Bank MM was 4.80% now 5.05%
Redneck Bank MM was 4.80% now 5.05%

Discover AAII Savings was 3.80% now 3.95%
Discover Savings was 3.75% now 3.90%
American Express Savings was 3.75% now 3.90%

CFG Bank MM was 5.02% now 5.07%
Patriot Bank MM(via SaveBetter) was 4.80% now 5.02%
Great Lakes Credit Union MM(via SaveBetter) was 4.60% now 5.00%
Quontic Bank Savings was 4.05% now 4.25%

CIBC Bank Savings was 4.37% now 4.52%
Empower Personal Cash was 4.25% now 4.45%
FNBO Direct Savings was 3.40% now 3.75%

Total Direct Bank MM was 4.82% now 4.95%
Primis Bank Savings was 4.77% now 4.92%
Primis Bank Checking was 4.77% now 4.92%
Valley Direct Bank Savings was 4.20% now 4.50%
Ivy Bank Indexed Savings was 4.17% now removed from website

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%

First Internet Bank Savings(requires 1M+ balance) was 4.93% now 5.20%
Mission Valley Bank Savings(via SaveBetter) was 4.86% now 5.01%
Vio Bank MM was 4.77% now 4.85%
The Atlantic FCU MM(via SaveBetter) was 4.75% now 5.01%
FVC Bank MM(via SaveBetter) was 4.75% now 5.00%
Cloud Bank 24/7 Savings(via SaveBetter) was 4.48% now 5.00%
Tab Bank Savings was 4.40% now 4.76%
Wealthfront was 4.30% now 4.55%
Virtual Bank MM was 4.15% now 4.80%
Prime Alliance Bank Savings was 4.05% now 4.50%
E Trade Savings was 3.75% now 3.85%

For those of us grandfathered in at Primis at the 5.03% rate, they’ve increased us to 5.10% starting 5/5. No change for new customers, at least for now, still at 4.77% per the website.

Merchants Bank of Indiana MM was 4.50% now 4.75%

Ponce Bank MM(via SaveBetter) was 4.80% now 5.05%
New to SaveBetter: Greenwood Credit Union Savings 5.00%

Republic Bank Digital MM was 4.65% now 4.75%
Capital One Savings was 3.50% now 3.75%

Citizens Access Savings was 4.25% now 4.50%

The State Exchange Bank Savings(via SaveBetter) was 4.70% now 4.85%
Ivy Bank Indexed Savings was 4.32% now 4.17%
CommunityWide CU Quarterly Savings was 4.00% now 4.25%
Self Help CU MM was 2.63% now 2.82%

@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.

Am I missing any thing?

Not FDIC insured?

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%

Blue Federal CU MM(via SaveBetter) was 4.66% now 4.90%
CIBC Bank Savings was 4.27% now 4.37%
Barclays Bank Savings was 3.80% now 4.00%
Colorado Savings Bank Savings was 3.75% now 4.00%