Hysa reddit

If you want to keep your banking products together, get Amex. If you want to get 0.70% higher (5.05%) APY on your deposit, then I recommend CIT Bank Platinum savings. Choosing a HYSA is not a complicated thing. If you're going to park money then you want the best APY. I have CIT Bank, Amex, Discover and PNC HYSA. I've also had Capital One.

HYSA with 3%. I'm looking for a new savings account to park liquid cash in for 3%+ rates and I've found the following: UFB Direct - 3.11% APY. First Foundation Bank - 3.10% APY. CFG Bank - 3.10% APY. Ivy Bank - 3.10% APY. These appear to be small banks I've never heard before and I'm not sure if I can trust them.The only pitfall is not having access to the money during the first year but this doesn't really concern me. Otherwise if rates for HYSA increase in the future you always …Best for no minimum deposit: UFB Secure Savings. Best for earning a high APY: Western Alliance Bank Savings Account. Best for no fees: Marcus by Goldman Sachs High Yield …Amex hysa is currently earning 3.3% apy. No direct deposit requirement either. Overall, I’ve been very happy with my Amex account. I’m in the process of moving most of my e-fund from Ally at 3.3% to a 13 week T-Bill ladder, due to the 13 week T-Bills currently hovering around 4.5%. Best for no minimum deposit: UFB Secure Savings. Best for earning a high APY: Western Alliance Bank Savings Account. Best for no fees: Marcus by Goldman Sachs High Yield Online Savings. Best for ... Hey everyone, I know this question has been asked many times before, and have done my own research as well, and am currently leaning towards a CIT hysa at 5.05% as of Jan …4 days ago · Here’s a summary of our top accounts organized by the highest APY that one could get. UFB Secure Savings: Up to 5.25% APY. Bread Savings High-Yield Savings Account: 5.15% APY. Bask Interest ...

Mar 7, 2567 BE ... But if that was the case, I would likely just put in on my credit card so do I even need that much in a bank savings account? Should I transfer ...In contrast, there are banks and credit unions (usually online only) that offer much higher interest rates. So for example the current average rate is around .40% to .55% and up till pre-2020, it was around 2%. There is nothing particularly special about HYSA vs regular savings accounts other than the interest rates. If I were to use Apple Pay + HYSA, I would get 2% back right away, which is $0.60, then, after one year, that $0.60 grows to all of $0.63. So I am way ahead, almost double, using the Costco card, for gas. So it makes the best sense to use the Apple Pay + HYSA anytime the return on the other card is 2% or less. It’s already setup and just deposit and go. 1. Generic-User-01 • 1 mo. ago. So, this is just from reading stories, but I have read of issues moving significant sums OUT of Apples HYSA. For me, honestly the benefit of having everything available on one login to AMEX's website and app, outweighs that .15%. 44.The only pitfall is not having access to the money during the first year but this doesn't really concern me. Otherwise if rates for HYSA increase in the future you always …Hi All, I am looking to open a HYSA and start with $7,000. I've narrowed it down to Synchrony (1.55%), Goldman Sachs (1.50%), and Amex (1.45%). I'm heavily leaning toward synchrony, but I can't find a lot of information about how they are...if people like this HYSA, customer service, et. Reaching out to this community to see if anyone has had ...6 days ago · Monthly fee. $0. The Bask Interest Savings Account offers a high rate with $0 monthly account fees and $0.01 minimum account balance to earn APY*. And Bask Bank is a standout for service ...

Best HYSA accounts you would recommend and why. I’m interested in getting a HYSA. I’ve wanted to know what you would recommend regarding a bank with a good rate as well …BouncyEgg. • 1 yr. ago. There's some slight, but not significant, increased risk utilizing a money market fund (use the words "breaking the buck" in your research). But yes, the 7 day SEC Yield is pretty much directly comparable to a bank/CU's published APY. Consider SPRXX for even more slightly (again pretty much insignificant) risk and yield.Nov 13, 2565 BE ... And HYSA pay 3% now. Guess who is raking it ... Reddit · reReddit: Top posts of November 13, 2022 ... Reddit · reReddit: Top posts of November 202...Dividend and Savings are different. Dividend-what you received as a cashback for putting your money in the stock market. More risk than savings because you could lose your initial cost base, but also more upside for returns. Savings-interest rate is received from bank as a thank you for parking your cash with them.A website’s welcome message should describe what the website offers its visitors. For example, “Reddit’s stories are created by its users.” The welcome message can be either a stat...

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In today's savings account interest rate environment, you should aim for an account that earns at least 3.50%, with the best savings accounts offering upwards of 4.5%. Many banks offer interest ...So for example, if I had $10,000 in a HYSA and their interest rate is 4.5%, I could earn $450 in a year from them compared to if I had $10,000 in a regular savings account with an interest rate of 0.01%, where I would only earn $1 in a year?I’ve only had an account for four months but no issues with my HYSA, CDs and an Invest account. Transfers aren’t same day between them and my credit union but I don’t need funds right away anyways. ... A subreddit for Etsy sellers on Reddit to collaborate and discuss techniques and experiences selling their products and … None of the above. A MMF at a major brokerage will gets you ~5%. If you want a bit more 3 month t-bills either direct or ETF (i.e. TBIL) will get you 5.2%. That will be state tax free so depending on state tax rate it would be comparable to a HYSA offering 5.4% to 5.7%. McKoijion. • 5 mo. ago. Ally Bank for HYSA. HMBradley is 1% or 3% if you have their credit card. You need to direct deposit $1500/month and spend $100 with their credit card to reach 3%. Credit card is $0 first year and $65/y after. CC gives you 3% Cashback on first spending category, 2% for second, then 1% rest. r/personalfinance.

I personally split the difference - I have some in a MMF and some in a HYSA (note: avoid Citibank if you ever want to see your money again). The only reason I could think of is that it usually takes longer to move money (e.g. ATM, wires, transfers) around with a money market account vs. a HYSA, especially in an emergency or …If you just want a HYSA with a bit higher return than Ally, you can also look at Marcus. The no penalty CDs there are 2.35% and its regular savings seem to almost always be at least 0.05% higher than Ally. But I think there's nothing wrong with CIT. Many people in this forum use it after all. seatcord.Feb 4, 2567 BE ... A bit confused with your question since HYSA are savings accounts with banks. I keep mine in Money market or short term treasury ETF which gets ...CASH Currently paying about 1.75%/YR in FDIC-insured format (HYSA) or 2.25% in ETF format and around 2% in MMF format. Short government bonds SGOV 1.82%. Short term Corporate VCSH 3.95%. Etc. I got lazy. Generally, the farther out into the future you go, the more yield you can get (and more risk, go figure!).Best HYSA accounts you would recommend and why. I’m interested in getting a HYSA. I’ve wanted to know what you would recommend regarding a bank with a good rate as well … None of the above. A MMF at a major brokerage will gets you ~5%. If you want a bit more 3 month t-bills either direct or ETF (i.e. TBIL) will get you 5.2%. That will be state tax free so depending on state tax rate it would be comparable to a HYSA offering 5.4% to 5.7%. McKoijion. • 5 mo. ago. Ally Bank for HYSA. View community ranking In the Top 1% of largest communities on Reddit. Replacing a high-yield savings account (HYSA) with a mix of 50% JEPI (JPMorgan Equity Premium Income ETF) + 50% BSV (Vanguard Short-Term Bond ETF) ... Replacing a high-yield savings account (HYSA) with a mix of 50% JEPI (JPMorgan Equity Premium Income ETF) + 50% …6.17% at Digital Credit Union. $1,000 limit. 6% at H-E-B Debit. $2,000 limit. Requires some activity every 90 days to avoid fees, a $1 ACH push is sufficient. 4.07% at Genisys Credit Union. $7,500 limit, requires 10 debit purchases of $5 …

A user asks why they should open an HYSA that pays 0.6% when they can't afford to save much more than $1000. Other users reply with their opinions, tips, and experiences on …

Keep that cash in the HYSA (or invest it in USFR) and don't touch it unless you're ready to buy a home or have a real emergency. Pretend it doesn't exist and congrats on building that sum. Moving forward, with your regular paycheck, make sure to invest anywhere from 15-25% of your gross income. You'll be golden.And yes it generally is a higher interest rate than your usual HYSA. And it can act like a savings account as well. A simple Google search for "VMFXX yield" would have found this: FYI cit bank platinum hysa has been paying 4.95% for quite a while. I feel it's the king of hysas right now. Marcus HYSA Referral code (March 2024) Hey everyone, I have a referral link to open a HYSA with Marcus (Goldman Sachs). I have five spots open. The savings account is at 4.5% APY right now, and if you use my link it'll put you at 5.5% APY for 3 months. Also, once you use my link and open an account, you can also refer 5 people. to maintain the ... Welcome to the HYSA's (unofficial) Reddit page! If you're a student and want your username to be listed here, PM u/BalinKingOfmoria. Students so far (who want to be listed): u/BalinKingOfMoria. u/Lightbikemaster (hope you don't mind, buddy). Fun facts: This uses the truly incredible Naut theme based off of Google's Material Design. Check it out!If you just want a HYSA with a bit higher return than Ally, you can also look at Marcus. The no penalty CDs there are 2.35% and its regular savings seem to almost always be at least 0.05% higher than Ally. But I think there's nothing wrong with CIT. Many people in this forum use it after all. seatcord.A few reasons: brick and mortar locations have value. withdraw specific denominations of cash. deposit cash. notary services. people see the signs for bank branches and don't see signs for online banks. I personally use a brokerage account as a checking/savings account, and I think it works well.The Alto site is 100% legit. I spoke to BMO agents who confirmed. It's a wholly separate site from BMO by design, on different banking platforms, which allows BMO to provide really good interest rates. Rates are now 4.5%, which are among the best I've seen in the market.Investing. I came across a banking site called Wealthfront that's promising a HYSA with a 3.3% APY (15x times the national average they advertise). With unlimited transfers and 3.3% growth, and seemingly no sneaky minimum-anything, I'm wondering what the drawback would be for moving my E.F. here. Heck, based on what I'm reading I could use this ...A total bond index is used by many investors, which has an average duration of 6-8 years typically, and a more advanced method that is in line with matching your investment horizon would be to use long term (20-30 year) treasury notes or, TLT etf etc. I bonds are likely very good use of space for retirement money but < 1 year t bills and HYSA ...

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Cancel the transfer before it completes, (you can do this immediately) Discover will credit you with another $50, since their system sees it as $20K total deposits. Then open a HYSA with Capital One with bonus code SAVE1000. Transfer your $15K and wait the 90 days for the $200 bonus to post. You've just earned $400 bucks in a few months and ... I am happy with CIT, they did just move the savings connect from 4.05% to 4.2%. I know the paltinum is 4.4% but it is a slightly different product and they havn't abandoned the savings connect. If you want to talk "sleazy" how about these: using peoples money and paying nothing. Bank of America .01%. Jan 22, 2566 BE ... HYSA's have limited withdrawals (6/month, e.g.) and I just don't think they were a thing when I was growing up. And many don't have physical ..... Thanks! UPDATE: This post looks like it is still getting some traction, I did decide to sign up for Wealthfront since this post and wanted to give my own thoughts and opinions. - Wealthfront is different from other traditional high yield savings account, where Wealthfront does not offer the standard HYSA - instead you are opening a "cash" account. Recommendations for HYSA? : r/Bogleheads. &nbsp; Go to Bogleheads. r/Bogleheads. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. Hey y'all, Looking to park ~30k (emergency fund + beginnings of saving for a downpayment) in a HYSA. I've heard good things about Ally, but there are a LOT of options for high yield online banking nowadays, some of which are up to almost 5% interest as of this month.You can instantly move money between Ally accounts on the website or in the app so this really shouldn't matter much. A HYSA (High Yield Savings Account) is exactly that, a savings account. If that's what you are wanting, just the generic 'Ally Savings' account at 3.75% is what you want.I’ve only had an account for four months but no issues with my HYSA, CDs and an Invest account. Transfers aren’t same day between them and my credit union but I don’t need funds right away anyways. ... A subreddit for Etsy sellers on Reddit to collaborate and discuss techniques and experiences selling their products and …CASH Currently paying about 1.75%/YR in FDIC-insured format (HYSA) or 2.25% in ETF format and around 2% in MMF format. Short government bonds SGOV 1.82%. Short term Corporate VCSH 3.95%. Etc. I got lazy. Generally, the farther out into the future you go, the more yield you can get (and more risk, go figure!). ….

Hello all. I'd like some tips on setting up a high-yield savings account. I've been watching some financial influencers discussing doing so but I wanted to know the best way to do this. My current bank gives me 0.40 APY. Would it be best to transfer half or about $1000 to a HYSA right now and add a little bit more each month?Get the Reddit app Scan this QR code to download the app now. Or check it out in the app stores Home; Popular; TOPICS. Gaming ... At the moment, they will beat any CD/HYSA option with 9.62% interest (due to change in Nov.) Once you get past the 1st year, there is no downside to I-bonds holding part of your emergency fund. https://www ...SoFi is pretty good if not the best HYSA, they became an official bank last year so they are FDIC insured and give 3.75% APY when doing they direct deposit no matter the amount and is for both checking and savings account. ... This is the global dual-language Reddit home of the country Vietnam. Chào mừng bạn đến với ngôi nhà trên ...4 days ago · Here’s a summary of our top accounts organized by the highest APY that one could get. UFB Secure Savings: Up to 5.25% APY. Bread Savings High-Yield Savings Account: 5.15% APY. Bask Interest ... I haven’t seen it here yet but I use Current in conjunction with AMEX and Chase and haven’t had any problems since 7/22. The only drawback with Current is that you get max interest 4% only up to $2000 in each savings pod with a maximum of 3 pods ($6000). I have the rest in an AMEX HYSA no issues with Chase.May 26, 2566 BE ... I just opened my Platinum HYSA only catch is you have to make sure you maintain a balance of $5000 or more to receive the 4.85%.Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are … Interest rates will change all the time, so no one bank will always have the best rate. All of those options are good. However, Marcus does not have a checking account. Ally and Discover both have checking and savings accounts. rons27. The immaterial HYSA yield loss from not using one of the 100 other 2%+ banks is more than made up with instant liquidity between checking <--> savings. ... As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ...I wanted to provide some insight on my experience with them. They are backed by the FDIC, and they are a component of AXOS bank. So you can verify their FDIC membership that way. They are currently paying 2.85% APY, which is the highest I could find. That is the positive. Hysa reddit, [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1]