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%
jtownsucks46
@jtownsucks46
Posts made by jtownsucks46
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RE: Best Nationally Available High APY Liquid Accounts
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RE: Best Nationally Available High APY Liquid Accounts
Lematta Savings Bank MM was 3.35% now 3.70%
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RE: Best Nationally Available High APY Liquid Accounts
Bread Savings was 3.00% now 3.50%
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RE: Best Nationally Available High APY Liquid Accounts
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% -
RE: Best Nationally Available High APY Liquid Accounts
Brilliant Bank MM was 3.61% now 4.01%
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RE: Best Nationally Available High APY Liquid Accounts
@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.
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RE: Best Nationally Available High APY Liquid Accounts
@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.
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RE: Best Nationally Available High APY Liquid Accounts
@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.
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RE: Best Nationally Available High APY Liquid Accounts
@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-savingsFinally 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!
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RE: Best Nationally Available High APY Liquid Accounts
Ally Bank Savings was 2.50% going to 2.75% on 11/9/2022