I wonder how many play the rate game with savings accounts as the difference can really add up over time.
I have my investments in the market but there are times beside always keeping some liquidity, when I need to keep more money liquid as well, such as currently building a new home.
Anyway, I always liked Alliant Credit Union, interest on checking and savings. Savings interest was always far above the national average though recently I think they have fallen behind in being near the top. However a few years later now I dont feel that way anymore.
Feel like customer service is to slow compared to the best online banks and the rates much to my surprise have fallen way behind the competition. So I have been moving money around, signing up with new banks ect.
Among the highest rates I see this week is 3.6% with CIT BANK (not CITI BANK) worst is Alliant at 2.6% and middle ground Discover bank at 3% but with a $200 to $500 sign on bonus from Discover so short term that makes up for a lot. Also others like Bask Bank, Lending Club ect ect that I haven't tried. Just search for high rate savings accounts on duckduckgo and google.
Make sure of the terms like some big banks CITI Bank (not CIT Bank mentioned above) require combination accounts ect. That I stay away from.
I only choose banks that do not have restrictions, fees for simple transactions and "catches" and never accept a charge to transfer money around.
It's so easy to switch around banks online that there is no reason to settle for less, no different than shopping at Amazon really. Just like Amazon, I never see any of these "banks" in the real world.
Simple multiple searches show you the rates, you then go to the websites and check if it's right for you.
I have my investments in the market but there are times beside always keeping some liquidity, when I need to keep more money liquid as well, such as currently building a new home.
Anyway, I always liked Alliant Credit Union, interest on checking and savings. Savings interest was always far above the national average though recently I think they have fallen behind in being near the top. However a few years later now I dont feel that way anymore.
Feel like customer service is to slow compared to the best online banks and the rates much to my surprise have fallen way behind the competition. So I have been moving money around, signing up with new banks ect.
Among the highest rates I see this week is 3.6% with CIT BANK (not CITI BANK) worst is Alliant at 2.6% and middle ground Discover bank at 3% but with a $200 to $500 sign on bonus from Discover so short term that makes up for a lot. Also others like Bask Bank, Lending Club ect ect that I haven't tried. Just search for high rate savings accounts on duckduckgo and google.
Make sure of the terms like some big banks CITI Bank (not CIT Bank mentioned above) require combination accounts ect. That I stay away from.
I only choose banks that do not have restrictions, fees for simple transactions and "catches" and never accept a charge to transfer money around.
It's so easy to switch around banks online that there is no reason to settle for less, no different than shopping at Amazon really. Just like Amazon, I never see any of these "banks" in the real world.
Simple multiple searches show you the rates, you then go to the websites and check if it's right for you.
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