Lending Club Savings was 5.00% now 4.75%
Poppy Bank Savings was 5.00% now 4.75%
State Bank of Texas MM was 4.96% now 4.75%
MyBankingDirect Savings was 4.85% now 4.75%
Dollar Savings Direct Savings was 4.85% now 4.25%
Bread Financial Savings was 4.75% now 4.65%
Republic Bank of Chicago MM was 4.61% now 4.46%
CIBC Bank Savings was 4.61% now 4.51%
Synchrony Bank Savings was 4.30% now 4.10%
Citizens Access Savings was 4.15% now 3.90%
Discover Bank Savings was 4.00% now 3.90%
Capital One Savings was 4.00% now 3.90%
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PiBank Savings was 5.50% will be 5.00% as of 12/2/24
Newtek Bank Savings was 5.25% now 4.90%
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Total Direct Bank MM was 5.01% now 4.86%
Ivy Bank Savings was 5.00% now 4.60%
Vio Bank MM was 4.90% now 4.77%
Tab Bank Savings was 4.52% now 4.37%
CommunityWide FCU Monthly Savings was 4.50% now 4.25%
Connect One Bank Savings was 4.40% now 4.10%
Citizens State Bank Savings (via raisin) was 4.35% now 4.00%
iGoBanking Index MM was 4.34% now 4.12%
Bank Purely Index MM was 4.35% now 4.12%
Marcus by Goldman Sachs Savings was 4.10% now 3.90%
American Express Savings was 4.00% now 3.90%
Self Help CU MM was 3.15% now 2.64%
CommintyWide FCU Savings was 1.50% now 1.25%
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Fido is not sending your/my funds to a third party fintech who then directs it to a FDIC insured bank. I checked before opening my CMA account and have dutifully read all Fido updates. It was a shock, though, to learn on this board that they had some significant losses/scams in their ACH practices … thought they were smarter than that.
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Primis Bank Savings was 4.75% now 4.70%
Bread Financial Savings was 4.65% now 4.60%
Dayspring Bank MM (via raisin) was 4.45% now 4.40%
American First CU MM (via raisin) was 4.45% now 4.40%
Sallie Mae Bank MM was 4.20% now 4.10%
Sallie Mae Bank Savings was 4.20% now 4.10%
Capital One 360 Savings was 3.90% now 3.80%
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Barclays has a new(ish?) “Tiered Savings” account with a better rate (4.5% < $250K, 4.8% >= $250K) than their regular OSA (4.1%).
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TIMBR Financial Savings was 5.25% now 5.05%
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And a $200 bonus if you put $25k in it. Shockingly, the rate hasn’t been dropping the past month unlike others.
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$200 Bonus Offer: To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible)
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Yup. Churners need not apply. Some aren’t partaking because they might have a better offer in the future.
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It’s decent for holding $25k for 4 months assuming their rate stays at 4.5%. Kinda rich for getting the 4.8% rate though but may be worth it while it lasts.
Patriot Bank MM was 5.10% now 5.05%
Vio Bank MM was 4.77% now 4.66%
My Banking Direct Savings was 4.75% now 4.65%
CFG Bank MM was 4.75% now 4.52%
Western Bank MM was 4.50% now 4.15%
UFB Direct MM & Savings were 4.31% now 4.01%
Live Oak Bank Savings was 4.30% now 4.20%
Ally Bank MM & Savings were 3.85% now 3.80%
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I’ll drop this here for interested parties.
OpenBank is a division of Santander. They are currently offering 5% APY and full FDIC insurance. What piqued my interest on this account is the free incoming and outgoing wires. As far as I can tell, there is no limit as of yet on either the number of wires or the transaction amount.
They are available outside of the Santander branch footprint, which consists of most of the Northeastern and Mid-Atlantic US. I will probably get an account although I consider the 5% more of a teaser rate that is likely to decline below competitors given some time.
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Anyone with experience with Everbank?
No personal experience, but this deposit accounts blog post (https://www.depositaccounts.com/blog/personal-banking-101-savings-accounts.html) compares and contrasts its savings with other savings accounts.
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Yes I have Everbank. For years it had been TIAA bank. I transferred over to Everbank several months ago.
No problems… Has a fair Savings rate 4.8%. It’s my cash account and makes easy transfers. Very dependable!
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Open Bank(Sovereign Bank) Savings was 5.00% now 4.75%
Bank5 Connect Jumbo Savings was 4.60% now 4.50%
Ivy Bank Savings was 4.60% now 4.25%
Merchant’s Bank of Indiana MM was 4.50% now 4.25%
Virtual Bank MM was 4.50% now 4.25%
US Alliance Financial Savings was 4.05% now 3.90%
American Express National Bank Savings was 3.90% now 3.80%
Discover Bank Savings was 3.90% now 3.75%
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Valley Direct Savings(new customer rate) was 4.80% now 4.55%
First Foundation Savings & MM was 4.75% now 4.50%
First Internet Bank Savings was 4.69% now 4.42%
Bask Bank Savings was 4.65% now 4.50%
Bread Financial Savings was 4.60% now 4.50%
Evergreen Bank Savings was 4.50% now 4.25%
Republic Bank of Chicago MM was 4.46% now 4.30%
Barclays Bank Savings was 4.10% now 4.00%
Empower Personal Cash was 4.00% now 3.75%
Citizens Bank Access Savings was 3.90% now 3.70%
FNBO Direct Savings was 3.90% now 3.75%
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EverBank Performance Savings was 4.75% now 4.40%
CIT Bank Platinum Savings was 4.55% now 4.35%
CIBC Bank Agility Savings was 4.51% now 4.38%
My Savings Direct (Emigrant Bank) Savings was 4.35% now 4.10%
EverBank Performance MM was 4.30% now 4.00%
Dollar Savings Direct (Emigrant Bank) Savings was 4.25% now 4.00%
CIT Bank Savings Connect was 4.20% now 4.00%
Quontic Bank Savings was 4.00% now 3.85%
Emigrant Direct (Emigrant Bank) was 4.00% now 3.75%
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You made me aware that my EverBank Savings account has dropped down to 4.40%. Kind of a shock! But looks like many other Banks & Credit Unions are also in the same boat.
I’ve been with TIAA/EverBank so many years that I don’t plan to make a move now.
So where do you others keep your cash accounts?
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