FAQ
Q: Why does this thread exist?
A: It seems that there is a bit of chatter about the rate thread itself that doesn't fit into individual deal threads and doesn't seem to work with just PMing me. This thread is inspired by the usenet's .d groups which are about and for the non-.d thread but the non-.d thread is for data not discussion about that data. Since this thread is open to talking about deals that might not make the cut to the list but still might be deals I am putting this in the Finance Forum and not Deal discussion.
I think it is worthwile to have a data thread and this discussion thread so that the best current APRs thread will have less posts and still have this higher post discussion thread open for discussion that will hopefully make the other thread better. Hopefully this will make more people happier.
Q: Why does the rate thread exist?
A: the rate thread replaces longwood8's original rate thread. My qualifications are similar except that I don't believe that rates lower than the fifth account with minimal requirements (with at least one providing ACH) should be considered. I am also interested in higher tiers and member organizations (like Costco and PenFed) that have fairly low membership requirements.
Like longwood8's, the purpose of the rate thread is very narrow: To keep an up to date listing of the best interest rates out there. I will keep the rate thread updated when someone adds a post to the rate thread with new information. The accounts are posted first in order of highest APY, then in what I think ease of meeting the requirements for that APY are.
Q: What is APY, APR and interest rate?
A: See APR vs. APY: How the Distinction Affects You.
Q: What is ACH?
A: Automated ClearingHouse. It is a way to electronically move money. Availability of ACH transferred funds vary so check the discussion for that account. To be listed as ACH in the list, the account must have the ability to both push money from and pull money to the listed account using ACH.
Q: What is the difference between Savings Accounts and Money Market Accounts?
A: Money Market Accounts tend to have higher interest rates and may offer checking. There is no real difference. You need to compare accounts and what each account is offering. Money Market Funds are a different matter (see below).
Q: How do I know if it is worth it to switch accounts?
A: You can go by gut or to see how different rates affect you, here is a tool found by gexi:Dinkytown Compare Savings Calculator. Many FWFers use the Chipotle rule.
Q: What is the Chipotle rule?
A: If you can't get enough to buy a burrito at Chipotle, it isn't worth your time.
Q: How do I know how much FDIC insurance I have for my accounts?
A: See EDIE, a tool found by scott1961 on FDIC's site: Electronic Deposit Insurance Estimator
Q: Why not include money market funds?
A: Because they are not risk free. Breaking the buck was a concern once. You can't beat the full faith and credit of the United States government.
Q: I'm a high roller. Any more information for me?
A: The LARGE bank deposits thread - discussion for those who keep more than $25,000 in accounts.
Q: I'm willing to take a lower rate for a checking account. Any more information for me?
A: Best Current High APY Checking Accounts.
Q: I want a tread so I can discuss rates with the list. Is there a thread for me?
A: Liquid Savings Account Yields and Discussion, Self Updating (Adopted Son of the Daughter of the Mother).
Q: I want to know more about Credit Unions. Where should I look?
A: The FW Finance FAQ: Credit Unions also check out Is a bank CD safer than a Credit Union CD?.
Q: What can I do to help?
A: Find a FWF deal! 
You can check the rates and post in the rate thread when they change. Better yet, find new deals by using the links below. Better than than that would be to find new sources and post them in this thread.
Q: Where else can I find out about rates?
A: Places to look for rate information:
Best Cash Cow
Bankrate
Bankrate (jumbo)
BankBestRates(by our own Markber, part of his ibankdesign.com)
Q: Are there historical rate trends?
A: delirium4u has put together some graphs here, also see the next question.
Q: What have been the changes so far to the list?
A: These are the changes:
2005 Feb 13 - add GreenPoint Bank, removal of Access Money Market as it is now a local deal (see Fatwallet thread).
2005 Feb 15 - fix of Costco link
2005 Feb 18 - update of Union Federal Bank, add of Western Financial Bank, ebank, Ascencia, and Charter One (Circle and Gold)
2005 Feb 20 - updated National InterBank, with new MM account type, add of CountryWide Bank, Umbrella Bank, and Principal Bank
2005 Feb 21 - no new info, edits and commentary
2005 Feb 25 - ING to 2.60% with another thread, Capital One's accounts to 2.65% and 2.71%, and removal of ibervillebank.com based on no feedback on opening without going to B&M: Fatwallet discussion, WFB readded because of bad edit
2005 Feb 28 - added WFB discussion
2005 Mar 01 - WFB goes up to 3.25%
2005 Mar 02 - spell discussion correctly and format correction
2005 Mar 03 - Cap One goes to 2.75%, add of Discover Bank
2005 Mar 04 - Union Federal Bank, National InterBank, Zions Bank, Principal Bank, and CountryWide Bank rates go up, fix of SIMPLY SUPERIOR MONEY MARKET to APY
2005 Mar 07 - Capital One/Costco Money Market goes up
2005 Mar 09 - Both Capital One accounts, Zions Bank, GMAC Bank, and MetLife Bank go up
2005 Mar 14 - ED, National InterBank, and Union Federal Bank go up
2005 Mar 17 - Both Capital One accounts, MetLife Bank, and GMAC go up
2005 Mar 18 - Add of HSBC Bank OnlineSavings
2005 Mar 22 - Nexity Bank, GMAC Bank, Capital One High Yield Savings, ING and Virtual Bank go up, add of First Horizon, Salem Five, CalFirst, and discussions
2005 Mar 27 - Umbrella Bank, HSBC Bank, Capital One/Costco Money Market, Resource Bank, and CalFirst go up.
2005 Mar 29 - Western Financial Bank, National InterBank, MetLife Bank and Capital One High Yield Savings go up
2005 Mar 30 - Capital One/Costco Money Market, Resource Bank, and Ascencia go up plus discussion for Resource Bank
2005 Apr 01 - ebank, CountryWide Bank, Zions Bank, Principal Bank, Discover Bank, and City National Bank go up. New link and higher rate for First Horizon.
2005 Apr 05 - ING goes up with discussion and add of Union Federal Bank Direct
2005 Apr 06 - Zions Banks and MetLife Bank go up and correction of typos
2005 Apr 07 - Virtual Bank and Umbrella Bank go up
2005 Apr 12 - HSBC goes up
2005 Apr 14 - Add discussion for Union Federal Bank Direct
2005 Apr 23 - Add of City National Bank Reward Savings Account and ebank discussion, Ascencia, GMAC Bank, Discover Bank and CountryWide Bank go up
2005 Apr 30 - GMAC Bank goes up, add of giant Money Market Account, delete of Privilege Money Market Gold since it is the last on the list...
2005 May 04 - Presidential Bank, Principal Bank, Nexity Bank, and CountryWide Bank go up, new discussion
2005 May 05 - Add of State Farm Bank, Flagstar Bank, and Security State Savings Bank, delete of GreenPoint Bank, Discover Bank, and Principal Bank(last 3 on list). Didn't up the lower tier CountryWide Bank rate yesterday...
2005 May 10 - Giant Bank and Umbrella Bank go up
2005 May 13 - Add of Presidential Bank Premier Savings and discussion, Zions Internet Money Market goes up, Delete of Superior Savings SIMPLY SUPERIOR MONEY MARKET, now all accounts are sorted by rate without grouping by bank.
2005 May 16 - Ascencia drops, Charter One Circle Money Market goes up
2005 May 23 - Ascencia drops again, CountryWide Bank goes up, delete of First Horizon Relationship First Savings as the rate droped to an insulting level
2005 May 31 - Add of Imperial Capital Bank
2005 Jun 02 - Readd of Discover, delete of National InterBank Premier Money Market Account and Salem Five
2005 Jun 03 - Add of Hillcrest Bank, Stearns Bank, Corus Bank, and Earthstar Bank, CountryWide Bank goes up, and delete of National InterBank High Yield Money Market Savings, Nexity Bank, and MetLife Bank with its Fatwallet discussion
2005 Jun 08 - Stearns Bank, National InterBank Jumbo Money Market Account, Discover Bank and Hillcrest Bank go up, delete of Earthstar Bank Galaxy Money Market for droping to ING level
2005 Jun 13 - Add of Bank of Wausau
2005 Jun 21 - Virtual Bank and Resource Bank go up, Zions Bank drops
2005 Jun 23 - Add of Superior's Amazing Money Market
2005 Jun 25 - Western Financial Bank, Zions Bank, and State Farm Bank go up, Discover goes down .01% for non-top-tier
2005 Jul 5 - Presidential Premier Savings, Discover Bank, Security State Savings Bank, Presidential Bank Checking, Corus Bank, Umbrella Bank, Zions Bank, Giant Bank, and CalFirst go up, Virtual Bank expands tiers for highest rate, Imperial Capital Bank adds higher new rate for new tier, add of Union Federal Bank Direct Jumbo Money Market Account
2005 Jul 7 - Add of MyBankingDirect.com and discussion
2005 Jul 11 - Zions Bank and HSBC Bank go up. Delete of Flagstar Bank for falling below ING.
Edit by Moderator, 7/11: Conducting a general clean-up of this thread, including removal of outdated and off-topic posts. Please don't be alarmed if many posts seem to poof.
2005 Jul 12 - Add of Wilmington Trust and discussion. Discover Bank, Stearns Bank and Hillcrest Bank go up.
2005 Jul 15 - CountryWide Bank and Capital One/Costco Money Market go up
2005 Jul 18 - Add of Sanford Institution for Savings and readd of MetLife Bank and discussion
2005 Jul 19 - Add of Lockheed Federal Credit Union and Citibank
2005 Jul 20 - Union Federal Bank Direct (2 accounts), Corus Bank, National InterBank, and Stearns Bank go up. Add of California Savings Bank and Stonebridge Bank and Lockheed Federal Credit Union discussion.
2005 Jul 21 - ING goes up. Add of Ultimate Money Market Account.
2005 Jul 22 - Emigrant Bank goes up.
2005 Jul 27 - Corus Bank, Stearns Bank, National InterBank's Jumbo Money Market Account, CountryWide Bank, Capital One/Costco Money Market, Zions Bank, California Savings Bank, Giant Bank, Imperial Capital Bank, Virtual Bank, Capital One High Yield Savings, and Union Federal Bank's Jumbo Money Market Account go up. Delete of GMAC Bank (with it's Fatwallet discussion), MetLife Bank (with it's Fatwallet discussion), Union Federal Bank's "Money Market Accounts", and Superior Savings's FReD (with it's Fatwallet discussion) for not matching ING.
2005 Jul 30 - Add of FBOP banks in Illinois and readd of GMAC Bank.
2005 Aug 01 - MyBankingDirect.com goes up.
2005 Aug 09 - Corus Bank (2 accounts), Union Federal Bank Direct (2 accounts), National InterBank, Hillcrest Bank, Zions Bank, Western Financial Bank, 5 FBOP banks in Illinois, Discover Bank, CountryWide Bank, California Savings Bank, Resource Bank, Capital One/Costco Money Market, ebank, Giant Bank, City National Bank, and Stearns Bank go up. Add of KeyDirect and Fidelity Bank.
2005 Aug 10 - Presidential Bank (2 accounts), Umbrella Bank, Stonebridge Bank, Capital One High Yield Savings, and Capital One/Costco Money Market go up. ebank goes down! Add of Capital One Money Market.
2005 Aug 15 - CountryWide Bank, Western Financial Bank, City National Bank, HSBC Bank, GMAC Bank, and MyBankingDirect.com go up. Add of St. Louis Bank.
2005 Aug 16 - ING goes up which drops CalFirst, Union Federal Bank's High Yield Money Market Savings, Ascencia,
Citibank (Fatwallet discussion), Bank of Wausau,
Imperial Capital Bank, and Charter One (Fatwallet discussion) from the list. Giant Bank also goes up. Western Financial Bank lowers minimum to open.
2005 Aug 18 - Corus Bank (2 accounts), Stearns Bank, 5 FBOP banks in Illinois, California Savings Bank, Zions Bank, and Union Federal Bank Direct (2 accounts) go up. Add of Union Federal Bank's Money Market Account and readd of Nexity Bank.
2005 Aug 21 - Union Federal Bank Direct (2 accounts) and CountryWide Bank (lower tier) go up. Add of Advanta Bank Corp and Transportation Alliance Bank. Readd of Imperial Capital Bank.
2005 Aug 23 - KeyDirect, Resource Bank, Capital One/Costco Money Market, Discover Bank, and Union Federal Bank Direct go up. Corus Bank, 5 FBOP banks in Illinois, and California Savings Bank go down .01%. Add of Centennial Bank.
2005 Aug 26 - Stonebridge Bank, KeyDirect, and Capital One/Costco Money Market go up. Add of Stonebridge Bank Money Market Account and Amboy Direct.
2005 Aug 30 - KeyDirect, Stearns Bank, 5 FBOP banks in Illinois, California Savings Bank, ebank, and Corus Bank (2 accounts) go up.
2005 Aug 31 - Capital One/Costco Money Market goes up.
2005 Sep 04 - HSBC Bank and Centennial Bank go up.
2005 Sep 10 - Capital One/Costco Money Market, National InterBank's Jumbo Money Market Account, and Union Federal Bank Direct's Jumbo Money Market Account go up. Corus Bank (2 accounts), 5 FBOP banks in Illinois, and California Savings Bank go down. Transportation Alliance Bank removed from list for dropping to ING level. MetLife Bank readded to the list for going over ING.
2005 Sep 24 - Emigrant Bank, Stearns Bank, Corus Bank (2 accounts), Umbrella Bank, ebank, CountryWide Bank, Superior Savings, 5 FBOP banks in Illinois, California Savings Bank, Imperial Capital Bank, City National Bank's Reward Savings Account, and Hillcrest Bank go up. Lockheed Federal Credit Union goes down. ING also goes up which removes: Nexity Bank, Fidelity Bank, Virtual Bank (Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion), Wilmington Trust (Fatwallet discussion), and Security State Savings Bank.
2005 Sep 26 - Presidential Bank (2 accounts) goes up.
2005 Sep 28 - Readd of Virtual Bank and Nexity Bank. Union Federal Bank Direct (2 accounts), Advanta Bank Corp, Discover Bank, and Stearns Bank go up. Corus Bank (2 accounts), 5 FBOP banks in Illinois, and California Savings Bank go down.
2005 Oct 10 - Hillcrest Bank, Stearns Bank, CountryWide Bank, Umbrella Bank, MyBankingDirect.com, Discover Bank, Corus Bank (2 accounts), Zions Bank, California Savings Bank, 5 FBOP banks in Illinois, GMAC Bank, and KeyDirect go up. Capital One/Costco Money Market and Centennial Bank go down. Re-add of CalFirst.
2005 Oct 13 - Capital One/Costco Money Market and Capital One's other 2 accounts on this list go up.
2005 Oct 17 - Corus Bank (2 accounts), California Savings Bank, 5 FBOP banks in Illinois, and Discover Bank go up.
2005 Oct 22 - Corus Bank (2 accounts), Umbrella Bank, Stearns Bank, City National Bank's Reward Checking Account, Zions Bank, California Savings Bank, 5 FBOP banks in Illinois, Giant Bank, and CountryWide Bank go up. Superior Savings Amazing Money Market is no longer on their site, and seems to be replaced with Superior Money Market. Add of AmTrust.
2005 Oct 27 - Corus Bank (2 accounts), Stearns Bank, California Savings Bank, 5 FBOP banks in Illinois, Union Federal Bank Direct's Jumbo Money Market Account, Capital One/Costco Money Market, Advanta Bank Corp, Stonebridge Bank (2 accounts), Imperial Capital Bank, and Zions Bank go up.
2005 Oct 30 - Advanta Bank Corp goes up.
2005 Nov 04 - Corus Bank (2 accounts), Stearns Bank, California Savings Bank, 5 FBOP banks in Illinois, Capital One/Costco Money Market, Resource Bank, HSBC Bank, Centennial Bank, Discover Bank, Western Financial Bank, State Farm Bank, Amboy Direct, and Union Federal Bank Direct's Jumbo Money Market Account go up. ING also went up, which removed Nexity Bank, MetLife Bank (Fatwallet discussion), Lockheed Federal Credit Union (Fatwallet discussion), St. Louis Bank, and Union Federal Bank Direct's Money Market Account for not being better than ING.
2005 Nov 05 - GMAC Bank goes up. Add of Salem Five's Platinum Cash Account.
2005 Nov 08 - Corus Bank (2 accounts), California Savings Bank, and 5 FBOP banks in Illinois go down. Resource Bank, KeyDirect, Zions Bank, Discover Bank, Hillcrest Bank, Giant Bank, Western Financial Bank, and Capital One/Costco Money Market go up. Add of Assurance Partners Bank.
2005 Nov 11 - Umbrella Bank goes up.
2005 Nov 18 - Corus Bank (2 accounts), Western Financial Bank, KeyDirect, Giant Bank, California Savings Bank, 5 FBOP banks in Illinois, Discover Bank, ebank, Imperial Capital Bank, and Stearns Bank go up. Start of new rules knocks ING Direct (with Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, and Fatwallet discussion), Sanford Institution for Savings, CalFirst, Virtual Bank (with Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, and Fatwallet discussion), National InterBank, Stonebridge Bank's Money Market Account, Amboy Direct (with Fatwallet discussion), Imperial Capital Bank, State Farm Bank, and Capital One Money Market off the list.
2005 Nov 19 - GMAC Bank goes up.
2005 Nov 27 - Stearns Bank, Zions Bank, California Savings Bank, 5 FBOP banks in Illinois, and Corus Bank (2 accounts) go up. Capital One High Yield Savings (with Fatwallet discussion and Fatwallet discussion), City National Bank, and Stonebridge Bank removed.
2005 Dec 04 - Centennial Bank, Capital One/Costco Money Market, KeyDirect, MyBankingDirect.com, and GMAC Bank go up. Corus Bank (2 accounts), California Savings Bank, and 5 FBOP banks in Illinois go down.
2005 Dec 13 - Hillcrest Bank, Resource Bank (adding new tier), GMAC Bank, Capital One/Costco Money Market, KeyDirect, Discover Bank, and Salem Five go up. Corus Bank (2 accounts), California Savings Bank, and 5 FBOP banks in Illinois go down. Re-add of Capital One High Yield Savings and Capital One Money Market.
2005 Dec 17 - Umbrella Bank, HSBC Bank, and CountryWide Bank go up.
2006 Jan 03 - Salem Five goes down. Stearns Bank, Union Federal Bank Direct's Jumbo Money Market Account, Capital One/Costco Money Market, Advanta Bank Corp, Corus Bank (2 accounts), Discover Bank, Union Federal Bank Direct's High Yield Interest, 5 FBOP banks in Illinois, California Savings Bank, and Assurance Partners Bank go up. Add of MBNA Money Market Deposit Account.
2006 Jan 04 - 5 FBOP banks in Illinois, Corus Bank (2 accounts), and California Savings Bank go up. Change list and some of the OP moved to the discussion thread.
2006 Jan 05 - Discover goes down. Zions Bank goes up with a change of tiers. Discover Bank, Capital One Money Market, Presidential Bank (with Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, and Fatwallet discussion), and Salem Five (with Fatwallet discussion) removed from the list.
2006 Jan 05 - Zions Bank goes back to old tiers and keeps increased rate.
2006 Jan 09 - MBNA Money Market Deposit Account drops from 4.23% to 4.19%. AmTrust says 4.00% which takes it off the list. Add of State Bank of India.
2006 Jan 09 - Add of Cosmopolitan Bank and Trust's The Cosmopolitan Checking Account
2006 Jan 10 - Hillcrest Bank (4.31% to 4.54%), Corus Bank (4.30% to 4.39% and 4.15% to 4.23%), Stearns Bank (4.26% to 4.31%), 5 FBOP banks in Illinois (4.15% to 4.23%), and California Savings Bank (4.15% to 4.23%) go up. Zions Bank gives a lower rate for their lowest tier.
2006 Jan 13 - Capital One/Costco Money Market goes up (4.26% to 4.27%). Readd of Imperial Capital Bank.
2006 Jan 19 - Corus Bank (4.39% to 4.51% and 4.23% to 4.35%), Stearns Bank (4.31% to 4.36%), 5 FBOP banks in Illinois and California Savings Bank (4.23% to 4.35%), MBNA Money Market Deposit Account (4.19% to 4.26%), and Zions Bank (4.18% to 4.29%) go up.
2006 Jan 25 - Corus Bank (4.51% to 4.53% and 4.35% to 4.38%), Stearns Bank (4.36% to 4.41%), Park National Bank (5 FBOP banks in Illinois have merged into Park National Bank) (4.35% to 4.38%), California Savings Bank (4.35% to 4.38%), Capital One/Costco Money Market (4.27% to 4.30%), MBNA Money Market Deposit Account (4.26% to 4.29%), and KeyDirect (4.11% to 4.56%) go up. Assurance Partners Bank goes down (4.25% to 4.10%). Zions Bank increases rate for lowest tier. CountryWide Bank increases rate for middle tier. Removal of The Cosmopolitan Checking Account as it is no longer on its site. Readd of Salem Five.
2006 Jan 26 - Emigrant Bank (4.00% to 4.25%) goes up.
2006 Feb 01 - Corus Bank (4.53% to 4.63% and 4.38% to 4.47%), Stearns Bank (4.41% to 4.45%), Park National Bank and California Savings Bank (4.38% to 4.46%), Union Federal Bank Direct's Jumbo Money Market Account (4.35% to 4.50%), State Bank of India (4.33% to 4.59%), Advanta Bank Corp (4.30% to 4.50%), MBNA Money Market Deposit Account (4.29% to 4.31%), Centennial Bank (4.24% to 4.73%), and Presidential Bank's Premier Savings (4.12% to 4.37%) go up. Readd of Presidential Bank Checking.
2006 Feb 07 - Hillcrest Bank (4.54% to 4.78%), Union Federal Bank's Jumbo Money Market Account (4.50% to 4.60%), Stearns Bank (4.45% to 4.51%), MBNA Money Market Deposit Account (4.31% to 4.39%), Resource Bank (4.30% to 4.50%), and HSBC Bank (4.25% to 4.80%) go up.
2006 Feb 15 - Corus Bank (4.63% to 4.69% and 4.47% to 4.53%), Stearns Bank (4.51% to 4.60%), Park National Bank and California Savings Bank (4.46% to 4.53%), Umbrella Bank (4.40% to 4.60%), MBNA Money Market Deposit Account (4.39% to 4.45%), ebank (4.15% to 4.75%), and Union Federal Bank Direct's High Yield Interest (4.00% to 4.30%) go up. Assurance Partners Bank drops to below requirements and is dropped from the list. Add of American Bank (pcbanker.com) and Affinity Bank. Readd of Virtual Bank.
2006 Mar 07 - Hillcrest Bank (4.78% to 4.91%), Centennial Bank (4.73% to 4.87%), Umbrella Bank (4.60% to 4.61%), Union Federal Bank Direct's Jumbo Money Market Account (4.60% to 4.73%), Stearns Bank (4.60% to 4.66%), KeyDirect (4.61% to 4.65%), Park National Bank (4.53% to 4.59%), California Savings Bank (4.53% to 4.60%), Resource Bank (4.50% to 4.70%), MBNA Money Market Deposit Account (4.45% to 4.55%), Union Federal Bank Direct's High Yield Interest (4.30% to 4.50%), GMAC Bank (4.30% to 4.60%), Capital One High Yield Savings (4.00% to 4.25%), and Giant Bank (4.10% to 4.26%) go up. Corus Bank changes accounts so they are the same rate (4.69% and 4.53% to 4.59%). Salem Five, CountryWide Bank, Imperial Capital Bank, Presidential Bank (with Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, and Fatwallet discussion), American Bank (pcbanker.com), City National Bank with (Fatwallet discussion) are removed from list for failing to beat the rate of the fifth account with minimal requirements. Add of National Bank Of Kansas City Money Market and nBank nPower XL.
2006 Mar 12 - Union Federal Bank Direct (4.73% to 4.50% and 4.50% to 3.75%) goes down. GMAC Bank (4.60% to 4.65%) goes up.
2006 Mar 19 - Stearns Bank (4.66% to 4.68%), Corus Bank (4.59% to 4.60%), Park National Bank (4.59% to 4.60%), Affinity Bank (4.59% to 4.73%), MyBankingDirect.com (4.30% to 4.55%), Giant Bank (4.26% to 4.41%), and Emigrant Bank (4.25% to 4.50%) go up. Hillcrest Bank no longer offers Index Money Market, so it is removed with addition of Performance Money Market. California Savings Bank doesn't seem to offer Platinum Money Market anymore so it is removed. Add of Superior Savings Incredible Money Market and Flushing Savings Bank Power Money Market account.
2006 Apr 02 - Centennial Bank Variable Rate Passbook Savings (4.87% to 4.86%), Corus Bank (4.60% to 4.59%), and Park National Bank Advantage Money Market (4.60% to 4.59%) go down. Stearns Bank (4.66% to 4.71%), KeyDirect Premier Money Market Savings Account (4.65% to 4.70%), Umbrella Bank Pot o' Gold (4.61% to 4.66%), MBNA Money Market Deposit Account (4.55% to 4.61%), and Advanta Bank Corp (4.50% to 4.75%) go up. Affinity Bank's T-Bill Indexed Money Market Checking and nBank nPower XL removed as they are no longer offered. Readd of Salem Five Star Money Market and Citibank e-Savings. Add of Heritage Bank Heritage Direct Savings, American Partners Bank Personal Money Market Savings, and Transportation Alliance Bank Premium Savings Account. Removal of Union Federal Bank Direct's High Yield Interest as it's rate no longer makes the list.
2006 Apr 18 - Stearns Bank (4.71% to 4.75%), KeyDirect Premier Money Market Savings Account (4.70% to 4.75%), Umbrella Bank Pot o' Gold (4.66% to 4.70%), GMAC Bank (4.65% to 4.70%), MBNA Money Market Deposit Account thru Motlely Fool (4.61% to 4.78%), Heritage Bank Heritage Direct Savings (4.60% to 4.72%), Corus Bank (3 accounts - 4.59% to 4.67%), Park National Bank Advantage Money Market (4.59% to 4.67%), American Partners Bank Personal Money Market Savings (4.55% to 4.71%), Union Federal Bank Direct Jumbo Money Market Account (4.50% to 4.80%), Presidential Bank Premier Savings (4.37% to 4.62%), Capital One/Costco Money Market (4.30% to 4.51%), Zions Bank (4.29% to 4.50%), Hillcrest Bank Performance Money Market (4.28% to 4.39%), Western Financial Bank ONLINE MONEY MARKET PLUS (4.25% to 4.60%) go up. Flushing Savings Bank Power Money Market account removed as it is reported to be a local deal. Add of IndyMac Bank Internet Money Market Savings and IndyMac Internet Top Tier Money Market. Readd of Union Federal Bank Direct High Yield Interest and Presidential Bank Internet Checking PLUS.
2006 Apr 21 - GMAC Bank Insured Savings/Money Market (4.70% to 4.75%) goes up. Add of OneUnited Bank UNITY Internet Savings Account.
2006 Apr 25 - Centennial Bank Variable Rate Passbook Savings (4.86% to 5.01%), MBNA Money Market Deposit Account thru Motlely Fool (4.78% to 4.82%), IndyMac Internet Top Tier Money Market (4.75% to 4.80%), Stearns Bank Stearns Money Market "Above the Norm" Account (4.75% to ), Corus Bank (3 accounts - 4.67% to 4.74%), and Park National Bank Advantage Money Market (4.67% to 4.73%) go up. Union Federal Bank Direct High Yield Interest and Capital One High Yield Savings (with Fatwallet discussion and Fatwallet discussion) are no longer one of the five minimal requirement accounts which means Presidential Bank Internet Checking PLUS (with Fatwallet discussion, Fatwallet discussion, Fatwallet discussion, Fatwallet discussion), Hillcrest Bank Performance Money Market (with Fatwallet discussion), Giant Bank, Salem Five Star Money Market, Citibank e-Savings (with Fatwallet discussion), Superior Savings (with Fatwallet discussion), IndyMac Bank Internet Money Market Savings, and Zions Bank no longer rate the list and are removed. Add of Countrywide Bank SavingsLink. Readd of Amboy Direct Money Market Maximizer.
2006 Apr 28 - HSBC Bank (4.80% to 4.50%) goes down.
2006 Apr 29 - Add of Amboy Direct Premium Online Savings. Presidential Bank Premier Savings (4.62% to 4.75%) goes up.
2006 May 13 - MBNA Money Market Deposit Account thru Motlely Fool (4.82% to 4.85%), Union Federal Bank Direct Jumbo Money Market Account (4.80% to 4.85%), Stearns Bank Stearns Money Market "Above the Norm" Account (4.80% to 4.87%), Advanta Bank Corp Money Market Account (4.75% to 4.90%), Corus Bank (3 accounts, 4.74% to 4.84%), Park National Bank Advantage Money Market (4.73% to 4.84%), Umbrella Bank Pot o' Gold (4.70% to 4.75%), Resource Bank eMoney Market Account (4.70% to 5.01%), Countrywide Bank SavingsLink (4.60% to 4.85%), and Capital One/Costco Money Market (4.51% to 4.72%) go up. Readd of Zions Bank Internet Money Market and Capital One High Yield Savings (now Money Market?).
2006 May 17 - Readd of Citibank e-Savings. Union Federal Bank Direct Jumbo Money Market Account (4.85% to 4.88%) and Presidential Bank Premier Savings (4.75% to 4.87%) go up.
2006 May 18 - HSBC Bank OnlineSavings Account (4.50% to 4.65%) goes up.
2006 Jun 10 - Centennial Bank Variable Rate Passbook Savings (5.01% to 5.08%),
Union Federal Bank Direct Jumbo Money Market Account (4.88% to 5.00%), Stearns Bank Stearns Money Market "Above the Norm" Account (4.87% to 4.90%), MBNA accounts (4.85% to 5.02%), Countrywide Bank SavingsLink (4.85% to 5.00%), GMAC Bank Insured Savings/Money Market (4.75% to 4.80%), KeyDirect Premier Money Market Savings Account (4.75% to 4.85%), Zions Bank Internet Money Market (4.71% to 4.76%), and Emigrant Bank (4.50% to 4.65%) go up. Corus Bank (4.84% to 4.81%) and Park National Bank Advantage Money Market (4.84% to 4.81%) go down. Add of MBNA Money Market Deposit Account thru chemistry.org, MBNA Money Market Deposit Account thru AOPA, MBNA Money Market Deposit Account thru NEA, and MBNA Money Market Deposit Account thru Defenders of Wildlife. Transportation Alliance Bank Premium Savings Account and OneUnited Bank UNITY Internet Savings Account (with Fatwallet discussion) are no longer tied for last of the five minimal requirement accounts which means they are removed with Amboy Direct Money Market Maximizer (with Fatwallet discussion), and MyBankingDirect.com (with Fatwallet discussion).
2006 Jun 12 - MBNA accounts (5.02% to 5.04%) go up. Add of BankUnited Savings Account.
2006 Jun 19 - Capital One/Costco Money Market (4.72% to 4.77%), Corus Bank accounts (4.81% to 4.91%), and Park National Bank Advantage Money Market (4.81% to 4.91%) go up. Readd of OneUnited Bank UNITY Internet Savings Account.
2006 Jun 22 - Emigrant Bank American Dream Savings Account (4.65% to 4.80%), HSBC Bank OnlineSavings Account (4.65% to 4.80%), MBNA accounts (5.04% to 5.06%), BankUnited Savings Account (5.00% to 5.25%), Union Federal Bank Direct Jumbo Money Market Account (5.00% to 5.01%), Corus Bank accounts (4.91% to 4.94%), and Park National Bank Advantage Money Market (4.91% to 4.94%) go up.
2006 Jun 27 - Countrywide Bank SavingsLink (5.00% to 5.25%), Citibank e-Savings (4.75% to 5.00%), Umbrella Bank Pot o' Gold (4.75% to 4.85%), Corus Bank accounts (4.94% to 5.02%), and Park National Bank Advantage Money Market (4.94% to 5.02%) go up.
2006 Jun 30 - Centennial Bank Variable Rate Passbook Savings (5.08% to 5.30%), MBNA accounts (5.06% to 5.07%), Stearns Bank Stearns Money Market "Above the Norm" Account (4.90% to 5.06%), Presidential Bank Premier Savings (4.87% to 5.12%), HSBC Bank OnlineSavings Account (4.80% to 5.05%), Capital One/Costco Money Market (4.77% to 4.80%), Zions Bank Internet Money Market (4.76% to 4.81%), Amboy Direct Premium Online Savings (4.75% to 5.05%), Heritage Bank Heritage Direct Savings (4.72% to 4.88%), Virtual Bank eMoney Market (4.60% to 5.13%), Capital One High Yield Money Market and Money Market (4.55% to 4.75%). Delete of KeyDirect Premier Money Market Savings Account (with Fatwallet discussion) as it seems to no longer be offered. ebank (with Fatwallet discussion), American Partners Bank Personal Money Market Savings, National Bank Of Kansas City Money Market, Western Financial Bank ONLINE MONEY MARKET PLUS, and State Bank of India no longer meet the requirements of the list and are removed. Add of Domestic Bank High Rate Internet Money Market Account.
2006 Jul 18 - MBNA accounts (5.07% to 5.26%), Stearns Bank Stearns Money Market "Above the Norm" Account (5.06% to 5.16%), Domestic Bank High Rate Internet Money Market Account (5.05% to 5.16%), Corus Bank accounts (5.02% to 5.08%), Park National Bank Advantage Money Market (5.02% to 5.08%), Union Federal Bank Direct Jumbo Money Market Account (5.01% to 5.16%), OneUnited Bank UNITY Internet Savings Account (5.00% to 5.25%), Heritage Bank Heritage Direct Savings (4.88% to 5.06%), Umbrella Bank Pot o' Gold (4.85% to 5.10%), Zions Bank Internet Money Market (4.81% to 5.07%), Emigrant Bank American Dream Savings Account (4.80% to 5.00%), GMAC Bank Insured Savings/Money Market (4.80% to 5.05%), Capital One/Costco Money Market (4.80% to 5.08%), and Capital One High Yield Money Market and Money Market (4.75% to 5.00%) go up. IndyMac Internet Top Tier Money Market removed as it doesn't look to be for all states. Superior Savings Incredible Money Market (with Fatwallet discussion and Fatwallet discussion), Citibank e-Savings (with Fatwallet discussion), and Advanta Bank Corp Money Market Account (with Fatwallet discussion) no longer meet the requirements of the list and are removed.
