Batten down the hatches. Not from the storms, but from all the #&*%$ weathermen who will descend upon you.
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Today’s drop:
Vio Bank High Yield Savings was 1.01% now 0.91%
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Decided to try for pattyb53’s Keesler deal. The deal remains alive today. If it holds tomorrow, I’m in.
I sent the required funds to Keesler today from Alliant via ACH. If I’m able to get the HIMMA Plus going tomorrow I will immediately move (nearly all) the funds back into my Keesler savings and pull those funds back into Alliant via ACH straightaway. Have no immediate need for the Keesler MMA. Just attempting to lock the account in for the next six months . . . . if I’m able.
A liquid account paying that level of interest, even the 1.4%, will be solid gold going forward with liquid money interest rates obviously going to hell.
It’s still good!.
All my ACH funds are there today. HIMMA Plus account is now opened for me. 6mo guarantee.
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Well you surely have bested me, pattyb53. Dunno how you did it but a tip of my cap to you.
My funds did arrive there today, and the deal remains alive. That is good. But opening for me was not as straightforward as it apparently was for pattyb53.
They emailed me an application form via secure email, which is always a nuisance. After finally accessing the application form I printed it out, signed it, scanned the signed form, and emailed it back to their new accounts people. Their promise is my account will open later today or, perhaps, tomorrow.
pattyb53 has done more business at Keesler than I have, though I’m certainly a member in good standing. But maybe they trust her more than me on that account.
Anyway, no serious complaints and certainly a worthwhile account to own, so no regrets either.
I’ve always written that Keesler is one of those CUs where you just gotta be a member. I stand by that doubly with interest rates on liquid funds tumbling like they are. Where else am I going to get 1.4% on liquid money locked in for the next six months!
Probably because I have Keesler CD’s. As I recall, way back you said, “gotta have a Keesler acct”.
Today’s drops:
Simple High Yield Protected Goals was 1.00% now 0.80%
Bank7 High Rate Savings was 0.85% now 0.75%
Dollar Savings Direct Savings was 0.85% now 0.75%
Barclays Online Savings was 0.80% now 0.60%
Zions Bank Online Money Market was 0.50% now 0.45%
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Keesler HIMMA Plus account wrinkle
Only funds new to KFCU are permitted to be deposited into your HIMMA Plus account. This is not true only at time of account opening. This is true throughout your ownership of the account. For example:
Suppose you have a CD with KFCU. It matures, and you want to move those funds into your HIMMA Plus account.
No dice. KFCU looks upon those former CD funds as old, and therefore ineligible. You would have to withdraw those funds and then re-deposit them into KFCU from an outside source.
Deposits into HIMMA Plus from KFCU savings
Such deposits are allowed but you need to telephone the credit union. The rep will check to be certain the funds have not been sitting in your savings more than three days. If so the funds are allowed to move into your HIMMA Plus. Funds in savings more than three days are considered old funds and are ineligible to be moved into your HIMMA Plus account.
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Yes I found out about the 3 days hold in the savings right away. The rep said I couldn’t even have the funds in savings at all… She said to wire funds.
Needed supervisor next, after explaining that I would ACH funds & it would take some time. She thought about it & said I could have 3 days with funds in savings. It took the 3 days using Alliant CU. Fri, Mon, Tues.
Since my Keesler CD’s won’t mature until 2022, no problem with using HIMMA +.
Seems all these Credit Union’s have their own kinks, we just have to work it out.
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SFGI has dropped from 1.01% to 0.81%.
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Today’s drops:
SFGI Direct Savings was 1.01% now 0.81%
Bank5 Connect High Interest Savings was 0.85% now 0.80%
Sallie Mae Money Market was 0.80% now 0.70%
Able Banking Personal Money Market was 0.80% now 0.60%
Capital One 360 Performance Savings was 0.80% now 0.65%
Memory Bank Online Money Market was 0.50% now 0.25%
WebBank Savings was 0.40% now 0.25%
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Just LOOK at that post from zzz. Good grief!! Hence:
It is wonderful having the Keesler HIMMA Plus account with the six month rate lock. It is shelter from the storm. And the account remains available at this writing. Heck, I’m only in at 1.4% and I’m still writing that. You can qualify for a rate of 1.5% if you have enough money! In both instances the six month rate lock applies. Good heavens what a “steal of a deal”, a total no brainer for liquid money. If you qualify, do not hesitate. Grab it while you still can.
First of the month is Tuesday. Look out below on our liquid money rates. Things could be really bad. Sadly they already are. 
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Yes, undoubtedly, one of the better deals around today.
A member wrote me privately for ways to qualify for membership. Keesler FCU membership was easier when we joined as I used American Cancer to qualify. I told the poster to check Military first, then go to the SEGS listed. There are some 100+ listed there. Sometimes by checking through these you can find one that would open the door.
Yes, sadly, liquid money rates are bleak… 
Understood
But back when Keesler was offering that blowaway 5% APY short CD . . . that is when a great many people joined. And at that time anyone could join.
There must be readers here in that category. I encourage them to cough up the $2500 if they can, more if you have the money available, and grab this HIMMA Plus account while you still can. Remember:
Once the account is open your rate is locked for six months. But you need not leave that $2500, or whatever you open with, on deposit. You can leave just a buck in the account and there is no penalty. Course if you want to earn interest you must have at least $2500 in the account. But there is no reason not to at least OPEN the account and lock in the high liquid money rate. That way, for the next six months, if you need the account it will be there for you.
And with the multiple horrible liquid money outcomes being posted here almost every day by zzz, if you have liquid money you’re not gonna do better going forward.
I don’t think liquid money APYs are gonna be anywhere near 1.4% any time soon! Heck, before they can go up they would have to stop going down!! And that is certainly not happening.
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Did you confirm it’s a locked rate? Or is the 1% bonus all that’s locked? A good thing to have regardless, but it’s nice to know for certain what you have. And has anyone asked if it is limited to one per member, or if you can keep perpetually opening a new one to keep rolling that 6-month period forward?
I dont foresee having any extra cash that my Rewards Checking accounts (2%+ rates) wont accommodate, until after the 6 month period expires. I’m torn between opening a Keesler account now to backstop any further cuts this fall, or to wait and hope it’s still available at a time I’ll actually be expecting to utilize it.
I confirmed it is not limited to one per member. I opened my second one yesterday, and will be opening another on the third, if it is still available. Just remember that you have to bring in new money.
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Replied to wrong person, sorry
Any success in joining keesler?
@glitch99 what rewards checking accounts are you using? I have ETFCU at 3.3% on 20k, GSFCU at 3% on 15k, and NWFCU at 2% on 25k all using Amazon reloads for the debit requirements. At the moment I don’t have a need for any others but will have a CD maturing next year so am on the lookout for others people have had good experiences with.
I’m finally going to go with a rewards checking. The reason I have avoided was the 10 debit requirements. Would you explain using Amazon reloads. I read today about using the handy checkout in the grocery store. Any ideas would be appreciated.
The one I’m going for is 1.76% max $50k. Not as good as your 3% or 2%, but I’m going to give it a try.