Posts made by jtownsucks46

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%

Ivy Bank Savings was 4.50% now 4.80%

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%

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%

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

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

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

@jtownsucks46 or anyone else, which account >4.5% would you recommend? One that’s easy to set up, connect to other accounts, transfer money quickly, etc.

I have Primis back from when they were the rate leader at 5%. I’m grandfathered into that rate, but new customers get 4.77%. I opened the checking account instead of the savings to get the free checks. Incoming wires are free. Outgoing wires are $5. Overall a good set up. One key difference between them and other banks is that they pay out interest on the 15th of the month.

Mission Valley Bank Savings(via SaveBetter) was 4.80% now 4.86%
Adda Bank Savings(via SaveBetter) was 4.45% now 4.85%
Primis Bank Savings was 4.35% now 4.77%
Primis Bank Checking was 4.35% now 4.77%

iGo Banking MM was 4.45% now 4.75%(25k minimum)
Bank Purely MM was 4.45% now 4.75%(25k minimum)
Marcus by Goldman Sachs Savings was 3.75% now 3.90%

First Financial Northwest Bank Money Market(via SaveBetter) was 4.85% now no longer offered

New UFB Direct Accounts:

UFB Direct Premier Savings 4.81%
UFB Direct Premier MM 4.81%

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%

Bask Bank Savings was 4.45% now 4.65%

Popular Direct Savings was 4.55% now 4.65%
ConnectOneBank Savings was 4.00% now 4.30%

New 5% account from Newtek Bank - Newtek Bank, N.A. Savings Annual Percentage Yield (APY) is valid as of today. No minimum opening balance or deposit required to open. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest. You may make up to 6 withdrawals from your Newtek Bank, N.A. Savings account per statement cycle, including preauthorized, automatic and telephone transfers.

https://www.newtekbank.com/personal/high-yield-savings/

2 new banks/credit unions on the SaveBetter platform:

First Financial Northwest Bank MM 4.85% https://www.savebetter.com/banks/first-financial-northwest-bank

Connexus Credit Union Savings 4.75% https://www.savebetter.com/credit-unions/connexus-credit-union

Hanover Bank MM(via SaveBetter) was 4.65% now 4.85%
Vio Bank MM was 4.55% now 4.77%
SFGI Direct Savings was 3.81% now 4.01%

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/

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%

CIT Bank Platinum Savings was 4.40% now 4.75%
Great Lakes Credit Union MM(via SaveBetter) was 4.40% now 4.60%
CIT Bank Savings Connect was 4.20% now 4.50%
TIAA Bank Savings was 3.70% now 3.85%
TIAA Bank MM was 3.55% now 3.70%

Western Alliance Bank Savings(via SaveBetter) was 4.75% now 4.80%
Blue FCU MM(Via SaveBetter) was 4.42% now 4.66%
Salem Five Direct Savings was 4.10% now 4.61%

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.

@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.

Ivy Bank High Yield Savings was 4.25% now 4.50%

New SaveBetter Banks/Credit Unions:

GreenState Credit Union Savings 4.75% https://www.savebetter.com/credit-unions/greenstate-credit-union
FVC Bank MM 4.75% https://www.savebetter.com/banks/fvcbank
Mission Valley Bank Savings 4.71% https://www.savebetter.com/banks/mission-valley-bank
Hanover Bank MM 4.65% https://www.savebetter.com/banks/hanover-bank
Adda Bank Savings 4.45% blob:https://www.savebetter.com/51b59fd1-e6fa-44fd-983a-945fadbe74ac

The Atlantic FCU MM(via SaveBetter) was 4.50% now 4.65%
mph Bank MM(via SaveBetter) was 4.25% now 4.41%
Liberty Savings Bank Savings(via SaveBetter) was 4.15% now 4.31%
Empower Personal Cash was 4.10% now 4.25%
Tab Bank Savings was 4.06% now 4.40%
b1 Bank Savings was 3.80% now 4.35%
Bank7 Savings was 3.30% now 3.50%
Ponce Bank MM(via SaveBetter) was 3.25% now 4.80%

CIBC Bank Savings was 4.01% now 4.27%
Betterment Cash was 4.00% now 4.20%
Barclays Bank Savings was 3.60% now 3.80%

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%

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%

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%

New account offering from CIT Bank: Platinum Savings 4.40% requires 5k minimum balance.
https://www.cit.com/cit-bank/bank/savings/platinum-savings-account