@goldsheet said in Best Nationally Available High APY Liquid Accounts:
NEW: Great Lakes Credit Union Money Market Deposit Account 4.03%
Federally insured by NCUA. No fees. $1 minimum to open.
via SaveBetter platform
https://www.savebetter.com/credit-unions/great-lakes-credit-union/money-market-deposit-account
Thanks; added to list.
Valley Direct Savings was 3.60% now 4.00%
Ivy Bank Savings was 3.50% now 3.90%
Liberty Savings Bank Savings was 3.50% now 3.85%
mph Bank MM was 3.50% now 3.85%
CIBC Savings was 3.27% now 3.37%
Rising Bank Savings was 3.25% now 3.50%
An increase: Citizen’s Savings was 3.00% now 3.75%
A decrease: ConnectOne Bank Savings was 4.00% now 3.25%
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Customers Bank was 3.05%, now 4.05%
From their website, https://www.maxmyinterest.com/learn-more
Max costs 2 basis points (0.02%) per quarter, or $20 per $100,000 held in your savings accounts, subject to a minimum of $12 every 3 months. No other costs or fees.
Basically that means it has an annual charge of .08% with a minimum $48 service fee per year so that 4.05% is more like 3.97%.
There are two accounts - the High Yield Savings and the Max Savings. The High Yield Savings doesn’t have any fee like that and is also at 4.05%.
https://www.customersbank.com/personal-banking/personal-savings/
Blue FCU MM(via SaveBetter) was 3.75% now 4.00%
Lemmata Savings Bank MM(via SaveBetter) was 3.70% now 3.95%
Vio Bank MM was 3.52% now 3.62%
Connect One Bank Savings was 3.25% now 4.00%
My Savings Direct Savings was 1.50% now 3.90%
CFG Bank MM was 3.85% now 4.00%
UFB Direct MM was 3.83% now 3.91%
UFB Direct Savings was 3.83% now 3.91%
Western Bank MM was 3.00% now 3.50%
Alliant CU Savings was 2.50% now 2.60%
Colorado Federal Savings Bank Savings was 2.40% now 2.80%
TIAA Bank MM was 2.25% now 3.00%
Varo Bank Savings was 2.00% now 3.00%
Self Help CU MM was 1.53% now 1.89%
Patriot Bank MM(via SaveBetter) was 3.65% now 4.00%
Blue FCU MM(via SaveBetter) was 3.65% now 3.75%
Bask Bank Savings was 3.60% now 3.85%
American First CU MM(via SaveBetter) was 3.50% now 4.00%
CIT Bank Savings Connect was 3.25% now 3.60%
Sky One FCU MM(via SaveBetter) was 3.25% now 3.75%
Rising Bank Savings was 3.10% now 3.25%
First Internet Bank Money Market Savings was 2.78% now 3.04%
SFGI Direct Savings was 2.51% now 3.01%
Paramount Bank Interest Checking was 2.00% now 3.00%
American First CU MM(via SaveBetter) was 3.50% now 4.00%
FNBO Direct Savings was 2.15% now 3.00%
Quontic Bank Savings was 3.00% now 3.20%
Valley Direct Savings was 3.50% now 3.60%
My Banking Direct Savings was 3.15% now 3.55%
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Nationally available except IL, IN, MI, and WI
I track Republic Bank Chicago, post it, and
keep it on my list, but yes not “Nationally available”
(I’ll try to note that in future posts)
http://www.rejohnsonjr.com/SAVINGS.HTM
I have it and Brilliant on our list here too but with notations on the states where they’re not available.
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Republic Bank Chicago was 3.38%, now 4.00%
https://republicebank.com
Nationally available except IL, IN, MI, and WI.
@platypus said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 I would move a lot of my $$ to Merchants if they were more depositor friendly. There’s no way to make ACH transfers after the first one. You can make a mobile deposit, but you have to write a check to get money out. That’s not what I expect from an online bank. So, sadly for them, my money is going elsewhere.
If you have a hub bank like Alliant CU or Ally, you can use their ACH service to push/pull funds into and out of the account(this is what I do for Merchant’s and most other banks/CU’s I do business with). I typically don’t use a lot of the banks I do business with ACH services because, even when they do offer them, the limits are often way too low for my needs.
American Express Savings was 2.75% now 3.00%
ConnectOne Bank Savings was 2.00% now 3.25%
PenFed Credit Union Savings was 1.70% now 2.00%
NEW: Third Coast Bank Savings(via SaveBetter) 3.70%
NEW: Continental Bank Savings(via SaveBetter) 3.65%
Patriot Bank MM was 3.30% now 3.65%
Idabel National Bank MM was 3.25% now 3.55%
Synchrony Bank Savings was 3.00% now 3.25%
Lematta Savings Bank MM was 3.35% now 3.70%
Bread Savings was 3.00% now 3.50%
mph Bank Savings 3.20% now 3.50%
Lending Club Savings was 3.12% now 3.25%
Liberty Savings Bank Savings was 3.10% now 3.50%
CIBC Bank Savings was 3.03% now 3.27%
Bank Purely MM was 3.01% now 3.50%
iGo Banking MM was 3.01% now 3.50%
Rising Bank Savings was 3.00% now 3.10%
Northpointe Bank Savings was 2.95% now 3.25%
Northpointe Bank MM was 2.95% now 3.25%
Discover AAII Savings was 2.80% now 3.05%
Discover Saings was 2.75% now 3.00%
Prime Alliance Bank Savings was 2.70% now 3.20%
First Internet Bank Savings was 2.53% now 2.78%
American Express Savings was 2.50% now 2.75%
Bank 7 Savings was 2.50% now 3.00%
Virtual Bank MM was 1.00% now 2.84%
Brilliant Bank MM was 3.61% now 4.01%
@atikovi said in Best Nationally Available High APY Liquid Accounts:
This is PW. Us cheap bastards don’t spend money on wires when ACH is free.
I look at it differently. 250k at 3.70% is roughly $770 interest a month. 250k at 3.82% is roughly $795 interest a month. Wire fee is paid for first month through higher interest rate. Additionally, you may also lose a couple days interest if the ACH service at whatever bank you’re opening an account with only offers 3 day ACH service and unfortunately many banks still only offer 3 day service. At 3.82% on 250k, everyday lost is worth approximately $26. Therefore I don’t lose sleep over a $25 wire fee.
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.
Does Alliant still have a $25K/day limit? That would be annoying to pull $250K from one account to push into Merchants. 20 days total to complete a transfer?
They do. For large sums like 250k, I would just do a wire.
@atikovi said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
To me Merchant’s Bank is still the golden goose!If only you could originate ACH transfers, they would be perfect
Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
UFB at it again with a new
UFB High Rate Savings Account
Balance Tiers APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 3.71% 3.64%
$50,000 - $99,999.99 3.83% 3.76%
$100,000 or greater 3.83% 3.76%
https://www.ufbdirect.com/Savings/ufb-high-rate-savings
Finally a bank decides to beat Merchant’s Bank of Indiana(just by 0.01%) for the top rate. Too bad they only did it by requiring 50k minimum to get the rate. And that’s assuming you get the 3.83% on the whole balance rather than a blended rate. Not clear from their website. To me Merchant’s Bank is still the golden goose!
Ally Bank Savings was 2.50% going to 2.75% on 11/9/2022
Smarty Pig Savings was 2.60% now 3.10%
Personal Capital Cash was 2.60% now 3.35%
Popular Direct Savings was 2.50% now 3.25%
Betterment Cash Reserve was 2.75% now 3.20%
E Trade Savings was 2.75% now 3.25%
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%Brio was stuck at 2.80% for so long I moved most of my money out, mostly to CFG !
LOL!!
Kind of find it strange that these banks raised their rates very close to the top but let Merchant’s Bank remain the number 1 at 3.82%.
Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%
Ponce Bank MM was 3.00% now 3.25%
Wealthfront was 2.55% now 3.30%
SFGI Direct Savings was 2.21% now 2.51%
Vio Bank MM was 3.02% now 3.52%
CIT Bank Savings Connect was 3.00% now 3.25%
Synchrony Bank Savings was 2.75% now 3.00%
Sallie Mae MM was 2.70% now 3.20%
Barclays Bank Savings was 2.40% now 3.00%
Brilliant Bank Savings was 3.25% now 3.61%
First Internet Bank Savings was 2.53% now 2.22%
My e Banc Savings was 1.71% now 2.48%
Discover AAII Savings was 2.40% now 2.80%
American Express Savings was 2.35% now 2.50%
Discover Savings was 2.35% now 2.75%
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank Savings was 1.90% now 2.15% - not available in California
Now 2.30%
Now 2.70%
Now 3.10%
Now 3.50%
New rate leader: Merchant’s Bank of Indiana MM was 3.05% now 3.82%
Quontic Bank Savings was 2.30% now 3.00%
America First CU MM was 3.05% now 3.50%
Bask Bank Savings was 3.05% now 3.60%
Valley Direct Savings was 3.01% now 3.50%
Patriot Bank MM was 3.00% now 3.30%
Rising Bank Savings was 2.50% now 3.00%
State Exchange Bank Savings was 2.75% now 3.30%
Tab Bank Savings was 2.66% now 3.00%
TIAA Bank Svings was 2.10% now 2.25%
Western Bank Savings was 2.00% now 3.00%
Self Help CU MM was 1.39% now 1.53%
Alliant Credit Union Savings was 2.20% now 2.35%
Emigrant Direct Savings was 2.00% now 2.50%
CFG Bank Savings was 3.15% now 3.30%
UFB Bank Savings was 3.11% now 3.16%
UFB Bank MM was 3.11% now 3.16%
Lemmata Bank MM was 3.05% now 3.35%
Sky One FCU was 2.90% now 3.25%
My Banking Direct Savings was 2.85% now 3.15%
Capital One Savings was 2.35% now 3.00%
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
New #1
Salem Five Direct was 2.5% now 3.5%Of course the catch is "eOne Savings eligibility is limited to consumers who apply online and who do not have an existing checking or savings account with Salem Five Bank at the time of the application, except that consumers with an existing eOne Checking Account are eligible for the eOne Savings Account."
https://www.salemfivedirect.com/#eonesavings
WOW, unprecedented 1% increase!!
Other updates:
Liberty Savings Bank Savings was 2.85% now 3.10%
Synchrony Bank Savings was 2.45% now 2.75%
Smarty Pig Savings was 2.40% now 2.60%
Brilliant Bank Savings was 3.15% now 3.25%
mph Bank MM was 3.00% now 3.20%
Lending Club Savings was 2.85% now 3.12%
Popular Direct Savings was 2.25% now 2.50%
Connect One Bank Savings was 1.25% now 2.00%
Sallie Mae MM was 2.50% now 2.70%
Capital One 360 Savings was 2.30% now 2.35%
American Express Savings was 2.15% now 2.25%
Quontic Bank Savings was 2.15% now 2.30%
Customer’s Bank 3.05% savings rate is guaranteed through April 30, 2024. It does require a checking account(appears there is a free checking option). The liquid rate guarantee for 1.5 years may be of interest to some.
https://www.customersbank.com/personal-banking/personal-savings/
Valley Direct Bank Savings was 2.85% now 3.01%
American First Credit Union MM was 2.85% now 3.05%
Patriot Bank MM was 2.80% now 3.00%
Vio Bank MM was 2.80% now 3.02%
Northern Bank Direct MM was 2.75% now 3.25%
Citizen’s Bank Savings was 2.35% now 3.00%
Betterment Cash Account was 2.25% now 2.75%
FNBO Direct Savings was 1.90% now 2.15%
Customer’s Bank Savings was 1.50% now 3.05%
Lemmata Savings Bank MM was 2.80% now 3.05%
CIT Bank Savings Connect was 2.70% now 3.00%
State Exchange Bank Savings was 2.35% now 2.75%
Capital One 360 Savings was 2.20% now 2.25%
Dollar Savings Direct Savings was 3.05% now 3.11%
Email from Alliant:
We’re putting you first with another rate increase! Enjoy earning more on your money with our new, increased savings rate of 2.20% APY1 starting October 13, 2022.
@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank Savings was 1.90% now 2.15% - not available in California
Now 2.30%
Now 2.70%
Now 3.10%