Posts made by jtownsucks46

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

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

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 4.45% 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%

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

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

Another via Savebetter Platform
CloudBank 24/7 Savings 4.48% APY
https://www.savebetter.com/banks/cloudbank-24-7/high-yield-savings-account

It looks like this is a rebrand from Third Coast Bank. They were previously on SaveBetter but were removed from the platform back on January 23rd. At that time their rate was 4.13%. Looks like they’re just using a different name this time around.

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

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

Idabel National Bank MM(viaSaveBetter) was 4.15% now 4.35%
Synchrony Bank Savings was 3.75% now 3.99%

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

Adda Bank Savings(via SaveBetter) was 4.45% now no longer available
CFG Bank MM was 4.55% now 4.45%
Patriot Bank MM(via SaveBetter) was not available now 4.30%
BankPurely Index MM was 3.90% now 4.12%
iGo Banking Index MM was 3.90% now 4.12%
TIAA Basic Savings was 3.60% now 3.70%
First Internet Bank Savings was 3.45% now 3.56%
TIAA MM was 3.45% now 3.55%
Alliant CU Savings was 2.95% now 3.10%
Self Help CU MM was 2.35% now 2.44%

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%

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

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%

Valley Direct Savings was 4.00% now 4.20%

Rising Bank Savings was 3.50% now 3.75%

UFB Direct MM was 4.21% now 4.55%(account renamed to Preferred Money Market)
UFB Direct Saings was 4.21% now 4.55%(account renamed to Preferred Savings)
Great Lakes CU MM(via SaveBetter) was 4.20% now 4.40%

CFG Bank MM was 4.45% now 4.55%
SFGI Direct Savings was 3.51% now 3.81%

mph bank MM(via SaveBetter) was 4.15% now 4.25%
Liberty Savings Bank MM(via SaveBetter) was 4.00% now 4.15%

@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.

@atikovi good news!!!