Sick of the restrictions placed on the Best current APY/APRs: The Daughter of The Mother - Checking, Saving, and Money Market: All Liquid Accnt Interest Rates! ? Minimal restrictions: |
Best Nationally Available High APY Liquid Accounts in: Subjects › Deal |
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Sick of the restrictions placed on the Best current APY/APRs: The Daughter of The Mother - Checking, Saving, and Money Market: All Liquid Accnt Interest Rates! ? Minimal restrictions: |
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WSJ Prime Rate: 3.25% - Difference from best liquid account: 0.15% MMA = Money Market (Savings) Account Savings, Checking, and Money Market Accounts:
Reward Checking Accounts: Most Reward Checking accounts have a cap on the balance that earns their high yield. Any balance above that cap will earn a much lower yield, typically 1.01% APY. They also have stringent requirements that must be met during each statement cycle, such as 10 debit card transactions, 1 direct deposit or other ACH transaction, receiving e-statements, and logging into on-line banking at least once. Not meeting the requirements for a statement cycle usually nullifies other features that might apply, such as ATM rebates, and drops the yield drastically, typically to 0.25% APY. Click on a link below or on Reward Checking Accounts (High Yield and Available to All) for details regarding a specific account.
?.??% 02/05 1st Arkansas Bank & Trust $0 N 50K 10 O/T fw link 50K , 1.76% APY Accounts not insured by the FDIC or NCUA:
You can invest in a Money Market Fund (designated with MMF on this list) through various brokers, including on-line discount brokers. Use this APY calculator to convert the MMF's 7-day Yield to an APY based on daily compounding for comparison with other products in this Quick Summary. The MMF APY is converted from the 7-day Yield in the ticker link in the notes column. A Tax-exempt fund is one for which proceeds are not considered taxable income by the IRS. To convert a tax-exempt yield to it's comparative taxable yield, use this calculator.
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should be APY EDIT: fixed. |
Let the revolution begin. Salem Five's top tier checking account is still 5.1% but requires $100K. But anything goes, right? |
asdf9876 said:Let the revolution begin. Doesn't even have to be FDIC insured, but that should probably be noted. |
I added Fidelity's new bank product. The interesting aspect it offers is the ability to buy Fidelity's money market mutual funds in the account. It will automatically sells shares to cover a withdrawal. |
I'd add this, but I have to scroll left and right in the QS and I don't want to mess around and edit/change it, if that's how you want it. |
I like the QS layout; much easier to glance than its other relative threads. |
To whomever added the WAMU savings account, this thread is for liquid accounts, not accounts with a maximum number of monthly transactions and no check writing capabilities. There is another topic with savings accounts with high APYs. |
theman2 said:To whomever added the WAMU savings account, this thread is for liquid accounts, not accounts with a maximum number of monthly transactions and no check writing capabilities. There is another topic with savings accounts with high APYs. All "savings" accounts are limited to 6 withdrawals/months (as in WAMU, FNBO Direct, Emgrant Direct, ING direct, and Apple Grand Yield all listed above). They are still considered "liquid" unlike say CD's which don't allow any withdrawals unless you break the CD and pay a penality or the term ends. |
Ive always thought of a liquid account as ANY MM, checking, savings, liquid CD etc that allows deposits and WDs. They can cap the max # of transactions and still be liquid |
can the quick Summary be edited to include a "Date last edited" column so we know how up to date the numbers and notes are? |
SUCKISSTAPLES said:Ive always thought of a liquid account as ANY MM, checking, savings, liquid CD etc that allows deposits and WDs. They can cap the max # of transactions and still be liquidFair enough. I'm still enamored with the fidelity mycash account since I don't have to worry about exceeding my 6 monthly transactions or maintaining the balance in my checking account. If you have the time and energy to deal with a higher yield savings account and a linked checking account, more power to you. |
Patelco Treasury Income Account $25,000.00 5.19% 5.09% Could be included and noted as no FDIC/NCUA |
scott1961 said:Patelco Treasury Income Account $25,000.00 5.19% 5.09% Could be included and noted as no FDIC/NCUA |
kbiekert said:4.5% for HSBC Direct Added HSBC Direct and also Courus Bank's Ultimate Money Market Account as seen on bank guy's blog here. |
Salem Five also offers 4.70% for accounts less than 100K, FYI, with the same other features |
SECU Advantage Money Market Savings For tiered rates, how should we post in the QS? A separate line for each tier (maybe key tiers?) or just add a note to the end? |
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