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high yield savings accounts

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sznthescore
Established Contributor
‎12-23-2022 07:22 PM
‎12-23-2022 07:22 PM

Re: high yield savings accounts

Citi Bank is at 3.40% APY as of posting with no minimums.

REBUILDER CARDS




Goal: FICO 700+
Message 21 of 34
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wantitgone
Contributor
‎01-14-2023 05:35 AM
‎01-14-2023 05:35 AM

Re: high yield savings accounts

Adding in case anyone is looking currently, another option: PayPal savings is 3.75%, backed by synchrony and FDIC insured. 

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.
Message 22 of 34
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keekers
Established Contributor
‎01-14-2023 06:26 PM
‎01-14-2023 06:26 PM

Re: high yield savings accounts

Discover is currently 3.3% APY


Message 23 of 34
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Citylights18
Valued Contributor
‎01-19-2023 09:59 AM
‎01-19-2023 09:59 AM

Re: high yield savings accounts

Why is Navy Federal still so low?

 

Can anyone explain that?

Official travel point totals as of 12/26/23 (1,382,693 Total Points)
Chase Ultimate Rewards 661,525 | IHG One Rewards 144,443 | Hilton Honors 143,801 | AMEX Membership Rewards 102,729 | World of Hyatt 90,413 | Marriott Bonvoy 65,343 | Citi Thank You 62,712 | Wells Fargo Rewards 33,652 | Southwest Rapid Rewards 28,105 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,661 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 792 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 6,992 ($69.92) | Amazon Rewards 475 ($4.75) | Discover CB 499 ($4.99)
Message 24 of 34
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CreditCobra
Regular Contributor
‎01-19-2023 10:37 AM
‎01-19-2023 10:37 AM

Re: high yield savings accounts

I just signed up with UFB Direct, 4.21 APY currently.

 

https://www.ufbdirect.com/

 

Easy process.

Current Cards:

Stats (updated: 4/21/2024):


Message 25 of 34
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longtimelurker
Epic Contributor
‎01-19-2023 12:22 PM
‎01-19-2023 12:22 PM

Re: high yield savings accounts

@CreditCobra wrote:

I just signed up with UFB Direct, 4.21 APY currently.

 

https://www.ufbdirect.com/

 

Easy process.

Their tier structure is too complex for me!

 

UFB Best Savings

UFB Best SavingsBalance Tiers APY* Rate

$0 - $9,999.994.21%4.12%
$10,000 - $24,999.994.21%4.12%
$25,000 - $49,999.994.21%4.12%
$50,000 - $99,999.994.21%4.12%
$100,000 or greater4.21%4.12%
Message 26 of 34
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NoMoreE46
Community Leader<br> Senior Contributor</br>
Community Leader
Senior Contributor
‎01-19-2023 12:55 PM
‎01-19-2023 12:55 PM

Re: high yield savings accounts

US Treasury I bonds are not as liquid as a savings account  but  is at 6.89% if you can park your  money for 5 years.

Message 27 of 34
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CreditCobra
Regular Contributor
‎01-19-2023 01:02 PM
‎01-19-2023 01:02 PM

Re: high yield savings accounts

@longtimelurker wrote:
@CreditCobra wrote:

I just signed up with UFB Direct, 4.21 APY currently.

 

https://www.ufbdirect.com/

 

Easy process.

Their tier structure is too complex for me!

 

UFB Best Savings

UFB Best SavingsBalance Tiers APY* Rate

$0 - $9,999.994.21%4.12%
$10,000 - $24,999.994.21%4.12%
$25,000 - $49,999.994.21%4.12%
$50,000 - $99,999.994.21%4.12%
$100,000 or greater4.21%4.12%

Yeah, that was a bit of a head-scratcher for me too.

Current Cards:

Stats (updated: 4/21/2024):


Message 28 of 34
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longtimelurker
Epic Contributor
‎01-19-2023 01:16 PM
‎01-19-2023 01:16 PM

Re: high yield savings accounts

@CreditCobra wrote:
@longtimelurker wrote:
@CreditCobra wrote:

I just signed up with UFB Direct, 4.21 APY currently.

 

https://www.ufbdirect.com/

 

Easy process.

Their tier structure is too complex for me!

 

UFB Best Savings

UFB Best SavingsBalance Tiers APY* Rate

$0 - $9,999.994.21%4.12%
$10,000 - $24,999.994.21%4.12%
$25,000 - $49,999.994.21%4.12%
$50,000 - $99,999.994.21%4.12%
$100,000 or greater4.21%4.12%

Yeah, that was a bit of a head-scratcher for me too.

My guess is this so that at a future time they can display different earning rates for each tier.   I've seen this recently. with several banks that used to have different rates each tier, now merging into one rate.   (And like above, still keeping the table, for future changes)

Message 29 of 34
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sugarcreek67
Frequent Contributor
‎05-05-2023 06:53 AM
‎05-05-2023 06:53 AM

Re: high yield savings accounts

Paypal savings is at 4.15% as of today

us alliance is 4.25%


>>current scores 12/11/21
EQ Fico9 759 | TU Fico9 763 | EX Fico9 768
EX fico 8 753 | EQ Fico8 745 | TU Fico 8 760 | Navy score 294
Message 30 of 34
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