Yes shinobi, we are in the same boat about our liquid funds at Grow MM.
Following zzz’s report on NBD rate dropping to 1.75%, liquid rates are loser’s. 
I don’t have an account now at Marcus, but that 11 mo NPCD 2.00% sounds like a winner.
So if a lot of depositors move their money elsewhere, I will, would Northern raise that rate? Still places with 2% or more.
Doubtful. It wont be raised until there’s indications that FED rate increases are imminent.
Anyone contemplating closing down an NBD account needs to pay heed here. Be thoughtful and careful. The following is credited to poster Buckpasser over on Ken’s website. This is clear and it speaks for itself:
Note that, per NBD’s disclosure for this account, “If you close your account before the interest is credited you will not receive the accrued interest.” So, if you plan to close your account on or around 1/13, you might want to wait until Feb. 1, when the January interest posts (or at least do a calculation whether you’re better off keeping the money in through the end of the month or pulling all of it out immediately). As I read the disclosure, if you take most of your money out during the month but keep the account open, you’ll still get the interest that accrued through the day you took the money out, since NBD uses an average daily balance method to compute interest.
Like others, I’ll likely keep a little money in NBD after 1/13, not just to get the accrued interest, but because I like their customer service, I think their ACH operation runs pretty well (money typically gets credit the next bus. day), and perhaps they will push the rate up a little as the Fed rate stabilizes, as Marcus and some credit unions have done.
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I won’t close the account but is there a minimum balance required to avoid any fees?
I have had just two bucks in my NBD account for a long time. So far so good and . . . so far no fees. 
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Back some time ago I picked up a new Promo Offer from UNIFY Financial CU. (actually in Dec).
19-Mo liquid CD, which is no-penalty with add-on feature. $5k 2.25% . This was the one I opened online then discovered we have an office right here in town.
Well, today I received a dividend check 2.44 in the mail. Never had that happen on a CD. So I called to tell them this is not my desire. The rep told me this is not their usual procedure to send a check. So I got that cleared up. Now I will go to UNIFY & deposit that check & maybe add a few 's to account.
I may use UNIFY FCU 2.25% as a placement for liquid accounts if other accounts % rates drops off.
is this still avail? can anyone join this CU?
I believe this particular account can be opened in a branch only from what i read on deposit accounts .com
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zjts, Don’t know if still avail. Give them a call.
Craig, this account sounds like you must open in branch. In fact, not true. Open online & add checking or savings. Then ACH funds into acct & call to open CD.
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Ah…thanks for the clarification, Patty… I have had that kind of situation before…For a while, i had an Online Savings with First Foundation, but i wanted to have checking…Checking couldn’t be applied for online there but once i had the Savings (which was available online) they were able to set it up for me… All i had to do was call them and do it that way… 
zzz, I was checking something at UNIFY FCU. At the time I noticed that the 19-mo 2.25% no-penalty add-on CD is still available. To get that rate requires $5000. 2% rate requires $500.
Also, if interested go back to Ken’s site to open online & get the details. 
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Ken featuring Patriot Bank deal this morning . . . 2.26% guaranteed until end of June. Here is a link to Ken’s writeup:
Ken’s Patriot Bank deal . . . a decent deal
Note deal is available all across the USA . . . but not in NY or in CT. The bank is in Stamford. You need $100 to get this going. Limitation on withdrawals is six per month.
This sounds like it might be a good deal. Our Grow MM # might end Feb/Mar. Only problem I see here is the guarantee 7/1/20.
Customers bank 2.25% thru 6/30/20 available in NY and CT. 25k minimum, sounds great to me. Northern Direct just lowered their 2.50% rate guaranteed thru 12/31/19 to 1.75. Im xferring 50k to Customers.
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I recently opened up a checking account at Suntrust because I wanted to have a LOCAL bank vs just internet banks however my initial transfer deposit did not post and when I tried to log back into the account I got a message it had been restricted. When I called into customer service I was told it had been closed due to “regulations” and I’d get a letter in the mail.
I’ve got a credit score over 800, no debt and a decent net worth yet suntrust doesn’t want me for a customer. I shouldn’t care but I find myself outraged. They apparently don’t want my money.
I decided to join Patriot Bank. The online signup was very quick & easy.
Turns out this is a MM Checking Acct & there are some good things going here. 2.26% guaranteed until 7/1/20. (not that great) I ACH’ed $100 required to open acct. Only cost $100, so could use this to replace Grow MM end of February.
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what do u mean by " cost $100"? It’s not as if you spent $100 to put it at Patriot bank
zjts, I sent by ACH $100 required to open Patriot Bank 2.26% deal. That $100 is now in my MM Checking Acct. 
OK, but remain watchful and cautious. Some concerning comments, related to their ACH rules and practices, are commencing to appear over at Ken’s place. This bank might not be ready for prime time.
I’m not in this deal myself, so cannot comment here from personal experience. A word to the wise is sufficient.