Posts made by jtownsucks46

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!!!

Primis Bank Checking and Saving Accounts both dropped from 5.03% to 4.35%

Bread Financial(Comenity Capital Bank) Savings was 4.00% now 4.25%
Prime Alliance Bank Savings was 3.65% now 4.05%

American Express Savings was 3.40% now 3.50%

State Exchange Bank Savings(via SaveBetter) was 4.20% now 4.35%
Discover AAII Savings was 3.35% now 3.45%
Discover Savings was 3.30% now 3.40%

Marcus by Goldman Sachs Savings was 3.50% now 3.75%

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

RE: Republic Bank Digital Money Market
"Bank does not offer ACH service so funds must be ACH pushed from another bank, wired, or mailed in via check"
I called them and was able to activate external transfers, add and verify external accounts, but have not made a transfer yet.
Tried to make a $10,000 transfer but "Unable to process request. The transfer amount exceeds
the maximum allowed for external transfers. Please reduce the amount to complete the transfer."
I don’t know the limit, but it’s less than I require.

UPDATE: The monthly maximum is 10 total external transfers, not to exceed the aggregate monthly total of $10,000.00. The individual transfer limit is $2,500.00 per transaction.
REFERENCE: https://republicebank.com/personal/online-banking-disclosure/#:~:text=The individual transfer limit is %242%2C500.00 per transaction.

Thanks; will update. $2,500 max each transfer up to 10 a month but total amount limited to $10,000 total a month is garbage IMO.

Popular Direct Savings was 4.26% now 4.40%
The Atlantic Federal Credit Union MM(via SaveBetter) was 4.25% now 4.40%

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

NASB was 4.08% now 4.39%

Is this available to new customers? I don’t see it on their website; just seeing CD’s.

myebanc MM (balances over 100k) was 4.18% now 4.29%
myebanc MM (balances less than 100k) was 2.99% now 3.10%
Vio Bank Cornerstone MM was 4.17% now 4.20%
USAlliance Financial Savings was 3.50% now 3.75%
First Internet Bank Savings was 3.35% now 3.45%

Western Bank MM was 4.25% now 4.40%
Quontic Bank Savings was 3.50% now 3.70%
Barclays Bank Savings was 3.40% now 3.60%
American Express Savings was 3.30% now 3.40%

American First CU MM (via SaveBetter) was 4.15% now 4.30%
Personal Capital Cash Account was 3.85% now 4.10%

Betterment Cash Reserve was 3.75% now 4.00%

CFG Bank MM 4.30% now 4.45%
Western Alliance Bank Savings(via SaveBetter) was 4.23% now 4.35%
Idabel National Bank MM(via SaveBetter) was 3.55% now 4.15%

Bask Bank Savings was 4.15% now 4.25%
Wealthfront Savings was 3.80% now 4.05%
Northern Bank Direct MM was 3.25% now 4.35%
FNBO Direct Savings was 3.00% now 3.45%

CIBC Bank Savings was 3.77% now 4.01%
Capital One Bank Savings 3.30% now 3.40%
Self Help CU MM was 2.14% now 2.35%
National Cooperative Bank MM was 1.66% now 2.28%

Merchant’s Bank of Indiana 4.08% now 4.34%

Atlantic FCU MM(via SaveBetter) was 4.20% now 4.25%

Newly added to SaveBetter: adda bank Savings 4.25% https://www.savebetter.com/banks/adda-bank

Blue FCU MM was 4.15% now 4.25%
Ivy Bank Indexed Savings was 4.03% now 4.71%
Community Wide FCU Monthly Savings was 3.50% now 4.00%
TIAA Bank MM was 3.35% now 3.45%
Alliant CU Savings was 2.70% now 2.95%
PenFed CU Savings was 2.30% now 2.70%

Republic Bank MM was 4.37% now 4.47%
Ivy Bank Savings was 4.05% now 4.25%

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

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

Very interesting bank. In addition to the savings account, they also have two checking accounts. One is essentially the same as the savings. It pays 5.03%. The other pays 50 cents each time you use your debit card(except ATM transactions). There is no identified minimum transaction to get the 50 cents. They also refund ATM fees other banks charge. I wonder how long these rates are going to last.

https://primisbank.com/personal-checking/

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

How can you tell? I did get alerts from the credit monitoring services but I also applied at Purely Bank and got a Home Depot card the last few days.

If you are signed up for a service like Credit Karma, you should get a notification email when your credit is pulled.

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

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

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

OK I guess I’m the guinea pig. Just applied and it was the easiest I’ve ever experienced. Apparently the account is open and have linked the funding account immediately. Looks like they even have branches nearby.

Let us know if you get a hard credit pull. Im seeing talk on another forum that they are doing hard pulls for these accounts.

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

Looks like we have a new rate leader:

Purely Money Market was 3.50% now 4.45%(25k minimum)

Also a new account:

Mutual One Mo Premium Savings 4.07% requires 20k minimum daily balance

Sallie Mae MM was 3.40% now 3.60%
Sallie Mae Savings was 3.20% now 3.50%

Tab Bank Savings was 3.64% now 4.06%

Republic Bank MM was 4.28% now 4.37%

I live in a legacy PNC market so am not eligible for their 4% High Yield Savings account. I was shocked to receive an email from PNC inviting me to open a high yield money market promo account paying 4.25%. If you have PNC and are in a legacy market, may be worth checking your email for this offer!

CFG Bank MM was 4.15% now 4.25%
Removed Third Coast Bank Savings(via SaveBetter) 4.13% - no longer offered
Removed Patriot Bank MM(via SaveBetter) 4.00% - no longer offered

Vio Cornerstone MM was 4.01% now 4.17%
Brilliant Bank Savings was 4.01% now 4.30%