Best Nationally Available High APY Liquid Accounts

Best Nationally Available High APY Liquid Accounts


I assume that was email … I look forward to seeing mine show up soon. I’ve scheduled a transfer out for next Tuesday. Any time before that and there were as many as five days without any interest from anyone. I didn’t see any better way to play that.


An approach to implement removal of funds from Ally


Dang, I didn’t think about a pull from external being better than a push from Ally. I was going by the Ally timeline which shows that the debit at Ally would occur as many as five days before the funds are actually deposited elsewhere.

Update: I was able to enable pull from my external account instantly (i.e. no trial deposits) and initiate a pull for tomorrow. Thanks for the wakeup call, Shinobi!



Sure no bigee. I actually posted that several day ago.

The beauty using PurePoint, of course, is four days of DOUBLE interest. I’m a huge fan of double interest, aka, free money.:wink:

The PurePoint policy of paying interest on money before they even have the money is so darn sweet. But never more so than when you have a Federal holiday to boost your joy.


Ally Online Savings now at 2.20%. But they are a couple of tenths short and two days late to keep my money. That’s their Ally oops, I guess.


Humor in the BNAHAPYLA. Starting 2019 off right.


For the Vanguard idea, if you use the brokerage account do you have an option of sweep account? The advantage of the brokerage account as I see it is that you get to have no minimum (and use as a de facto checking account as well as brokerage) but I think you are made to be in VMFXX.

This seems like a good option for those that are already in the Vanguard ecosystem.


earn bank up to 2.41%


Ken is featuring a High Yield Savings account on his blog that I haven’t heard of before. Tab Bank High Yield Savings 2.30%


Ken is featuring the Leader Money Market account from Mutual Bank. 2.43% on deposits up to 250k. Minimum opening deposit is 1k new money. What’s interesting is they promise to automatically match the Fed Fund Rate on the 15th of each month. Thoughts on this one?


@zzz Thanks for sharing about mymutualbank. It has me intrigued. Thinking about using it for a cd that Matures on Friday.


I found the Ally 1% bonus deal so much fun, that I am doing a similar Capital One deal. There is $500 on $50,000 on deposit for 90-100 days or a different deal to get $600 on $100,000. The latter is not available if you’ve ever had savings at Capital One (and presumably ING DIrect). Ever. But the first deal only looks back to 2016.

True they are only paying 2%, but the effective rate for the 100 days on $50,000 is 5.65%. I’ll take it.


Do you have a link to this promotion?


All America Bank and Redneck Bank both up to 2.5%


I believe those are capped at 50K FYI.


Yes, sorry.

  1. Open a 360 Money Market account between 12:00 a.m. ET on January 1, 2019, and 11:59 p.m. ET on February 28, 2019. When you open your account, enter your promotional code—CELEBRATE. If you have or had an open savings product with Capital One after January 1, 2016, you’re ineligible for the bonus.
  2. Deposit $10,000 or more of new money from an external bank (transfers between Capital One accounts will not qualify) within the first 10 days of account opening (Initial Funding Period). The amount of your bonus will be determined as follows:
  • $200 bonus — you maintained a daily balance of $10,000 - $49,999.99 for the first 90 days following the Initial Funding Period
  • $500 bonus — you maintained a daily balance of $50,000 or more for the first 90 days following the Initial Funding Period
  1. If your daily balance drops to a lower tier at any point during the 90-day period, you’ll earn the lower tier bonus. If you make additional deposits during the 90-day period to reach the next tier, you’ll only be eligible for the lower tier bonus.
  2. This offer cannot be combined with any other Capital One Bank or Capital One 360 new savings account opening offer. Bonus is only valid for one account.


It appears that you need to be a resident of Massachusetts.


Well crap…will have to find new one for cd maturing friday…how did you find out it was Mas only?


Had to make a similar decision recently. Believe it or not went with the Ally 2.30% no-penalty CD. OK, so why?

Several things:

First, have a rate lock on chance interest rates go south.

Second, still have hope Ally might raise the rate one or two more times. It has happened before, and recently.

Third, more comfortable with Ally than some new financial institution I’ve never heard of which might make me victim of a teaser rate.

Fourth, I always can change my mind and go in a different direction should a really solid deal, with a rate lock, emerge elsewhere.

But so far the money remains at Ally.


I’m in PA and so far account opening has gone fine. Time will tell.