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njain said:   First Tech Fed Credit Union https://www.firsttechfed.com/ has excellent rewards checking that pays 1.58% APY.

  This should be posted in the Reward Checking Accounts thread - http://www.fatwallet.com/forums/finance/775437/
 

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rismoney said:   EverBank 1.4% https://www.everbank.com/_campaign/banking/CDP/_html/C-MMA.aspx
  does this mean you have to choose between 1.40% for 6 months and 1.01% for 1 year or you can choose 1.40 for 6 months and then it automatically goes to 1.01% for the second 6 months of the year?

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rismoney said:   EverBank 1.4% https://www.everbank.com/_campaign/banking/CDP/_html/C-MMA.aspx
  Following that link, It is 1.01% APY for the first year, the 1.4% is a 6 month bonus rate up to $50,000 with excess funds earning 0.61% .  All funds appear to only earn 0.61% after the first year.
[l=The]...]https://www.everbank.com/_campaign/banking/CDP/_html/C-MMA.aspx]The[/l] above Interest Rates (Rates) and Annual Percentage Yields (APYs) are accurate as of 8/1/2014 12:00:00 AM. Since this is a variable Rate account, the Rates and APYs could change without notice. At this time, we are pleased to be offering a six-month Bonus Interest Rate and New Account First Year APY to first-time holders of our Yield Pledge® Money Market Account. Keep in mind the Bonus Interest Rate may not be applied to funds transferred from another EverBank® account. Fixed for the first six months, the Bonus Interest Rate (currently 1.40%) will apply to balances up to and including $50,000. Funds in excess of $50,000 will earn the variable ongoing APY of 0.61%, which may change anytime - even during the first six months. The New Account First Year APY is actually a blended APY that combines the Bonus Interest Rate with the current ongoing Rates. The law requires that we calculate this blended APY for you, so that you have an estimated annualized figure that is based on your average daily collected balance. This isn't the exact APY you will earn since our current ongoing Rates will change periodically over the last six months of your First Year. Our New Account First-Year APY up to $50,000 is 1.01% APY. The New Account First-Year APY for balances from $50,001 to $10,000,000 is best expressed as a range: 1.01% to 0.61%; higher balances are accepted. Without the Bonus Interest Rate, the ongoing yield regardless of balance is 0.61%. The required minimum opening deposit is $1,500. Fees may reduce earnings.

 

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yes, but my question was do i have to pick one of them (1.40% for 6 months OR 1.01% for 12 months). or if i can choose 1.04% for the first 6 months followed by 1.01% for the remaining 6 months (total term would be 12 months)?

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AugustFour said:   yes, but my question was do i have to pick one of them (1.40% for 6 months OR 1.01% for 12 months). or if i can choose 1.04% for the first 6 months followed by 1.01% for the remaining 6 months (total term would be 12 months)?
  From the website/disclaimer, it appears to be as follows:

  • Deposit up to $50,000:

    • 1st 6 months it will earn 1.4%, 2nd 6 months it will earn 0.61%, for a 'blended' 1st year APY of 1.01% on the first $50,000 only (as they note they are required by law to calculate)
    • After first year it will continue to earn 0.61%

  • Any amounts over $50,000:

    • 0.61% interest


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opened account. this is a good deal. 1.01% annual yield = (1.40% for1st 6 months + 0.68% for 2nd 6 months)

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AugustFour said:   opened account. this is a good deal. 1.01% annual yield = (1.40% for1st 6 months + 0.68% for 2nd 6 months)
  It's only a good deal if you take the money out after 6 months.

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MI based Flagstar bank has a 1 year promo at 1.15%. Good if you're okay with moving it out after that. https://www.flagstar.com/promo/high-yield-savings-account-michig...

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poohhairt said:   MI based Flagstar bank has a 1 year promo at 1.15%. Good if you're okay with moving it out after that. https://www.flagstar.com/promo/high-yield-savings-account-michigan.html
  $5,000 monthly ACH limit for transfers via their online banking.

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FNBODirect down from 0.85% to 0.75%.

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Flagstar doesn't appear to be nationally available. Not in my zip code at least.

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i have already a Flagstar checking account. can i open this 1.15% APY High Yield Savings Account?
it says: Product Unavailable In Your Zip Code
We're sorry, but the SuperSmart Savings 1.15% promotional rate is not available in your zip code.
Please browse other Savings products avaialble in your area.

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My Savings Direct is still @ 1.00% no fees no minimums.

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StinkyWizzleteet said:   My Savings Direct is still @ 1.00% no fees no minimums.
does Savings Direct have a maximum for 1.00%?

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My Savings Direct has no maximum to earn 1.00% as far as I know.

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StinkyWizzleteet said:   My Savings Direct is still @ 1.00% no fees no minimums.
  be wary of the parent company of mydirectsavings. they have a history of lowering rates, then creating a new internet bank with higher rates.
they're hoping people are too lazy to move.
this is their 3rd internet bank they've created.

http://www.depositaccounts.com/blog/2013/11/emigrants-new-intern...

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i already have an account with Emigrant Bank. can i still get this 1% rate? is this rate current or not available anymore?

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It looks like that Capital 360 has lowered its checking rate from 0.85% to 0.8%

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GE Capital Bank rises its online savings rate from 0.9% to 0.95%

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www.Mysavingsdirect owned by emigrant bank is paying 1.00 apy on a savings account. https://www.mysavingsdirect.com

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