High Yield Savings Account

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... off the car in a high yield savings account paying over 3%?

I’ve been keeping my savings in a regular bank account for way too long, and the interest I’m earning is basically nothing. Finally thinking about moving everything into a HYSA instead. I keep seeing names like Ally, Marcus and Capital One everywhere, but I can’t tell which one is actually the best overall. Some seem to have good APYs but weird requirements attached. Main things I care about are good interest rates, fast transfers, no hidden fees, and an app that doesn’t suck. Good customer service would be a huge plus too. For people already using one, which HYSA would you personally recommend right now? submitted by /u/theremotebiz to r/HighYieldSavings [link] [comments]

I'm 25, have about $10K in a Signature Savings - TD Bank. What HYSA do you recommend that are out there so that I can grow my money? submitted by /u/Frequent_Jacket_4057 to r/personalfinance [link] [comments]

came back to drop what i ended up going with since this thread got wayyyy more responses than i expected. landed on Raisin after reading through everything here and honestly it solved the main thing i was trying to figure out, which was getting a better rate without a bunch of hoops to jump through. no weird minimum requirements, transfers work fine, and the rate is actually competitive compared to a lot of the names that kept coming up in this thread. the point someone made about a tenth of a percent not being worth switching for if you already trust your bank is fair, but i was starting from scratch so it made sense to just go somewhere that checked all the boxes from the beginning rather than settling. this link is sponsored and i may receive compensation been trying to move my savings into a better place lately and i keep going back and forth between different high yield savings accounts. rates seem to change all the time and every bank claims they’re the best so it’s hard to tell what’s actually worth it. right now i’m just looking for something simple with a decent rate, no weird fees, and easy transfers when i need the money. i’m not trying to overcomplicate it, just want my cash to actually earn something instead of sitting there doing nothing. what are you all using right now and why did you pick it over the others? curious if anyone switched recently and felt it was actually worth the move or if they all end up feeling the same after a while. submitted by /u/Cruzrojas_Armad to r/HYSA [link] [comments]

hello, i hope yall are doing okay today. i wanted some advice... ive had a very financially rocky life, but i think i will finally be ready to start a high yield savings account soon. thing is, i am nervous about doing so. without getting into politics, i will just say that things in the world are so chaotic that it might be a better idea to wait. the last thing i want to do is sock a big (to me) pile of cash into high yield savings, only to have a big crash erase years' worth of hard work. im pretty sure a big crash is coming down the line. i live in america, if that context is needed. i am still doing research on this, this is all new territory for me so please be patient with me submitted by /u/cassienebula to r/povertyfinance [link] [comments]

If you're thinking of quitting, don't. Keep pushing yourself; there are better days ahead. submitted by /u/neurosthetic to r/povertyfinance [link] [comments]

I have a savings and checking account at a brick and mortar bank, and a HYSA at CIT. it takes time to transfer money from my physical bank to the HYSA and vice versa-obviously I want as much as I can in the HYSA, but I also want some quickly liquifiable savings. I currently keep around 5500 in the savings and around 12700 in the HYSA (working on saving for a down payment for a condo, hopefully). How much should I keep in the physical savings vs. the HSYA? Monthly expenses are about $1500 for rent, $300 for car payment, around 400 for food, and $160ish for utilities. Thank you! Any advice is appreciated submitted by /u/wayward-daughter75 to r/personalfinance [link] [comments]

If I have 10 million dollars, does it make sense to open 40 high-yield savings accounts and live off the interest? $10,000,000. 40 savings accounts holding $250,000. A high-yield savings account (earning 3.5%–3.75% APY) would generate significantly more, roughly $8,750 to $9,375 per year. So $8,750 x 40 is $350,000 a year in just interest. Obviously there is taxes on that but I can easily live on that type of "salary". Does this seam like the best, safest, easiest way to go? I don't want to have a lot of risk and want to stay out of the stock market. What would you all do? submitted by /u/greentimemusic to r/HighYieldSavings [link] [comments]

I’m 26 and have almost $30k in savings. What is the best high yield savings account so I can grow my money? submitted by /u/TrixTheKid20 to r/personalfinance [link] [comments]

So, I'm finally getting serious about my emergency fund, and I'm trying to figure out what's the best high yield savings account out there right now. I've got a decent chunk of change just sitting in my regular bank account earning basically nothing, and it feels like such a waste. I've heard about these HYSAs, but honestly, the sheer number of options is overwhelming, and I'm a bit wary of all the referral links and fluctuating APYs. What's the best high yield savings account that's actually reliable? I've seen names like SoFi, Wealthfront, and Marcus by Goldman Sachs pop up a lot. SoFi seems cool because it's an all-in-one, but I'm a bit nervous about needing direct deposit for the highest rates. Wealthfront's APY looks great, but is it really a savings account or something else? And Marcus seems simple, which I like, but I also want to make sure my money is easily accessible if I need it for an actual emergency. What's the best high yield savings account that balances a good rate with easy transfers and solid customer service? I'm looking for something where my money is safe and actually grows, but I also don't want to deal with a bank that drops its APY every other month or makes it impossible to get my money out. submitted by /u/EarUnlucky6300 to r/HighYieldSavings [link] [comments]

My savings doesn’t gain any interests. Maybe the occasional one cent. Nothing noticeable. I wonder if I should bank with capital one. They offer a 3.40% interest rate on savings. Should I close my current bank account and move all my assets to capital one checking and savings. Also please don’t say it’s pointless to have a savings and I could be investing in stocks. Just answer the question I asked if you do reply. submitted by /u/mookmook616 to r/investingforbeginners [link] [comments]

I feel like the $45,000 I've been keeping in a regular savings account is just depreciating because of inflation. I don't need the money right now, but I also don't want to lose it. I'm considering short-term bonds, CDs, high-yield savings accounts, and perhaps even safe stock/index options. What has worked for others in similar situations would be of interest to me. With a reasonable degree of security, how would you make this money work for you? submitted by /u/Sounps to r/personalfinance [link] [comments]

About 6 months ago I decided to open a Robinhood account to use as a savings account. I've added on average $900 from each paycheck. When I first started, some of my friends and coworkers told me I was nuts. They said I should just put my money into a savings account, with a 3-4% gain. They said I was foolish risking my money on such a volatile market. At first they were probably right because I had absolutely no experience with investing. Shoot, I didn't even know what an option meant, much less a call or put. With spending time researching and learning about the market, I've started to get a slight understanding. Did I make the right choice? Or am I still nuts? submitted by /u/kram0786 to r/wallstreetbets [link] [comments]

Now 3.50%. Basically a monthly event now. submitted by /u/cyrelliaAZ to r/amex [link] [comments]

Sold the house. Cleared about $120K. Wife said, “Put it somewhere safe.” I said, hold my beer bitch, then funneled $100K into Fidelity and bought 303 shares of UnitedHealth (UNH). Why UNH? Because America’s not gonna stop getting sick. Fat, old, diabetic, stressed out, healthcare is the last thing people cut. And UNH is built like a tank. Major insider buying too. Told the wife the money is safe in a high-yield savings account. Technically not wrong… Now I just need to convince to stall on the purchase of our next home 😂 Till death do us part!! submitted by /u/Sensitive_Reveal_227 to r/wallstreetbets [link] [comments]

Starting yesterday, most High-Yield Savings Accounts have cut their interest rates, despite the Federal Reserve not cutting interest rates. This is because either: All these banks are collectively trying to 'force' the Fed to cut rates by pushing their narrative onto customers. They need the extra cash to protect against upcoming defaults. submitted by /u/McFatty7 to r/wallstreetbets [link] [comments]

Speaking about my experience in the US. Had a friend stashing a couple dozen thousand dollars in a big bank basic savings with almost no interest. Since they are saving for a down payment, I educated them on the beauty that is high yield savings accounts and now they get a free $80+ dollars a month in interest while still having their money very accessible. IMO a HYSA is super minimal effort and risk and pretty much the least you can do with your nest egg! submitted by /u/Breyber12 to r/LifeProTips [link] [comments]

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Apes- first, this is not financial advice, I have been snorting crayons non-stop for 48 hours straight and am about to go full-on RICK JAMES, BITCH mode all over your couch. 🖍 Edit: The information in the following post has been officially verified by the moderators of WallStreetBets!! This is like getting an "AAA" credit rating on one's DD, I am honored. Nothing to see here... move along.... not like anyone would be interested in buying puts on these big banks, right?????? After all, this IS a Wendy's. If you or your parents have their retirement accounts PASSIVELY MANAGED BY BIG BANKS OR INSTITUTIONS, as opposed to actively-manages funds or having independent financial advisors, PLEASE LISTEN. A passively managed account explained by investopedia here means the bank or institution will invest your savings "according to a strategy" instead of you having full control: An actively managed investment fund has an individual portfolio manager, co-managers, or a team of managers all making investment decisions for the fund. The success of the fund depends on in-depth research, market forecasting, and the expertise of the management team. A passive strategy does not have a management team making investment decisions and can be structured as an exchange-traded fund (ETF), a mutual fund, or a unit investment trust. Index funds are branded as passively managed rather than unmanaged because each has a portfolio manager who is in charge of replicating the index. Passive strategies are not "actively managed" for best results, but people trust that big banks have the smartest minds managing portfolios, and "fiduciary obligations" will require them to use those minds to act in my best interests, right?? from investopedia Well, over the past 4 months of intense brain wrinkling, I learned that many brilliant minds think that a market crash is unavoidable in the near future. As he states here, Dr. Brrrrry believes that a market crash is inevitable, inflation will happen, and both b$tco$n and gold will suffer due to governments directly competing with them for currency. He linked to an article here on TIPS, "treasury inflation-protected securities." It explains that they may not be safe from inflation after all and the Fed is buying up almost all of what the Treasury is issuing. About 1/5th of ALL U.S. dollars currently in existence were printed last year, and the debt-to-GDP ratio is near its historical high, having jumped from 107% to 129% in the last year alone. That's as big of an increase as 2009-2020- all in the last year. Margin debt carried by big banks is up almost double from last year and near historical highs, and that's just the tip of the iceberg. The Q4 Report on Bank Trading and Derivatives Activities shows the big banks are currently trading, mainly with derivatives bought on margin debt.... appendix table 1 appendix table 2 Reading is really hard so I had to use my crayons, but that says banks own over $163 Trillion in derivatives based on $19 Trillion of assets, and Holding Companies own over $218 Trillion in derivatives based on $17 Trillion of assets. Check out an infographic on all of the world's money here if you want, I can't add that high. Dr. Brrrry posted the following chart on investments that have historically protected one from inflation by rising in value directly proportional to amount of inflation, source: ApespeeK: dollar go down, bond go down, these go up. (see above about gold) The Q4 filings showing what Warren Buffet has been up to convinced me that all of this is real, summarized on this webpage. Buffet, the guy who says "our favorite holding period is forever" and has always loved bank stocks, just sold huge amounts of stock- 100% out of some positions- here are some of the biggest sells: Q4 Q3 Q2 He made some very significant buys as well: Q3 Q4 His buys match up nearly perfectly with things that rise in value along with inflation according to Dr. Brrrrry's table. His sells match up nearly perfectly with all the banks and companies that will suffer if Brrrry's thesis about debt bubble bursting + inflation is correct. Including selling off 100% of his position in gold. fuuuuuuuucccccccckkkkkkk. Biases fully confirmed, I called my parents to warn them of things to come. (I posted that here.) My experience was unsettling- I learned that their retirement savings were in passively managed accounts through large institutions. My mom had chosen how "risky" she wanted her investments to be- she chose a 50/50 plan, she said- and let the institution allocate accordingly. Turns out her investments are in 60% stocks, 40% bonds. My dad has even more in bonds than that. I realize that this is a very common investment strategy for retirement funds, and in most markets provides a dependable, unchanging amount of money back-per-investment. Dependable, unless you're concerned about a market crash, inflation, and major dilution of the bonds market. BONDS WILL NOT PROTECT INVESTMENTS AGAINST INFLATION. BONDS DEPRECIATE 1:1 WITH THE VALUE OF THE DOLLAR. This Hong Kong fidelity website does a surprisingly nice job of explaining this further. "Often called the ‘enemy of the bond investor’, rising inflation erodes the value of bonds and makes their coupon payments less appealing, if interest rates remain constant or rise." By the way, end of Feb 2021- Warren Buffet has publicly stated that "bonds are dead." He did that in his annual shareholder's letter this year. (Thanks u/arikah and u/theslipguy!!) Other easily digestible material for our relatives: Youtube, BRIEF explanation of why Buffet hates bonds by Bloomberg news. Youtube, Buffet hates bonds, reaching for yield is stupid, but human. Youtube: Mohamed El-Erain explains Buffet's hatred of bonds in his last shareholder's letter. I then learned that my husband's parents employ an independent financial advisor to "actively manage" their retirement funds, paid on commission based on their fund's performance. That advisor had moved his parents' funds almost entirely out of bonds, and started doing so over four years ago. Neither of his parents work any more- they're entirely dependent on that money for the rest of their lives- it's not something they would take any risks with. Knowing that, their advisor still made this move and went so far as to give his parents a book, "Be an Owner, Not a Loaner", explaining the difference between how bonds and stocks would retain value based on current market conditions. Yet here were my parents, having chosen low levels of risk, having their money being invested in 40%+ in bonds. If you check out J.P. Morgan's retirement guide here, they actually recommend a portfolio of 60% bonds if you have "medium-term goals" like college or home loans. JP's retirement strat Goldman Sach's retirement guide is similar, explaining that the lowest-risk portfolios are those with the most money into bonds. \"Fixed income\" means bonds allocation So.... according to the sacks at Sachs, my husband's retired parents have their money in the "highest risk" portfolio possible. Which doesn't make sense based on everything I know and have linked above, especially if there's a debt bubble about to burst, and one good catalyst could trigger it. Then I happen to see this news posted: 3 big banks hold largest bond sales ever this week. Bank of america sold $15 billion worth, JP Morgan sold $13 billion worth, and Goldman Sachs sold $6 billion. This Bloomberg article goes on to explain: https://preview.redd.it/nxk2z0wzx3u61.png?width=526&format=png&auto=webp&s=855c83d0398c70f6011bc07505e768b77a62890f This bloomberg article goes further into the "capital break" that's now expired. It includes this fun little bar chart: Lots of gassy references. If it's true that \"where there is smoke, there is fire,\" does that ALSO mean that \"where there is gas, there is bullshit\"?? Discuss. Which led me to remember THIS fun little list from the Q4 banking derivatives statement: SACKS Strong correlation between debt over-exposure and the banks that Warren Buffet sold 100% of. So- why are banks rapidly unloading debt while clearly over-leveraged to debt while keeping debt in their "low-risk" retirement funds? Fiduciary responsibility my ass... TLDR: make your own conclusions based on the facts above. I will be calling ape-mom and ape-dad about getting their retirement savings the hell out of bonds. EDITZ additions: Many apes want to know the best retirement strat moving forward, and in my eternal quest to be a helpful little ape, I'll post here what warren the motherfucking goat buffet suggests you do with your tendies: 90/10 Buffet retirement strat. It comes in an investopedia-flavored version as well. As to what stocks/index funds to look at? Take a look at stock in commodities and commodities index funds. Top of Brrrrry's list of things that hold value during inflation. Here's investopedia to explain wtf that is, here's a list of commodity indexes managed by Bloomberg, and here's a list of basically all of them. During 2020, Buffet bought into these 5 commodities-based trading firms in Japan. I'd also personally be pretty comfortable investing in BRK.B and letting Buffet do the brain-work 😆 Infoz about GOLD: this is complicated and I won't pretend there aren't many different factors that will affect the price. Investopedia page on what makes gold plummet. Also, an awesome wrinkle-brained comment here by u/kavaman68 points out that big banks can heavily manipulate the price of gold. Here's what Q4 2020 bank derivatives says about what banks have in gold/precious metals: appendix graph 11. Notional value of "gold and fx contracts" Banks own = $30 Trilllion. appendix graph 12: "Notional Amounts of Precious Metal Contracts" is $70 billion (a historical high.) appendix table 8: "NOTIONAL AMOUNTS OF DERIVATIVE CONTRACTS ... (INTEREST RATE, FX AND GOLD)" for all "BANKS, SAVINGS ASSOCIATIONS AND TRUST COMPANIES" is $36 Trillion. appendix table 9: "NOTIONAL AMOUNTS OF DERIVATIVE CONTRACTS ... (PRECIOUS METALS)" for "BANKS, SAVINGS ASSOCIATIONS AND TRUST COMPANIES" is $70 billion. submitted by /u/G_KG to r/Superstonk [link] [comments]

submitted by /u/Rekdon to r/BlackPeopleTwitter [link] [comments]

Warning to anyone that banks with Capital One: your savings account rate went down significantly to 0.6%. They did a bait/switch on all of their users. They now have a new savings account called "performance savings" with a rate of 1.7%. They changed their old savings accounts to a much lower rate and started a new saving account with a new name that you need to manually switch over to. I just switched mine over so I’m back to 1.7%. Edit #1: You don't have to close one account to open a new account, nor do you have to call them. You can do it on their website or their app: If you already have a savings account, to get the new high rate account: In the Capital One app, log in, then “profile”, then “browse financial products”, then “checking and savings”, then “360 performance savings”, then “open account”. Once opened, you should see all your accounts, and you can transfer money from the low yield account to the high yield account. In the website, go to their website. Then click the "Earn 5X the National Average Savings Rate" link above "Expect more with 360 Performance Savings"; that should take you here "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/". Then do "Open Account"; it will then ask you if you already have an account or not; proceed accordingly; if you already have an account, you’ll log in and it will add a new account for you. Edit #2: Their money market account is 1.5% (for accounts over $10k) and is 0.6% (for accounts less than $10k). The new “performance savings” account is 1.7% for all balances. submitted by /u/j909m to r/personalfinance [link] [comments]

This is the final update from a thread started about two weeks which is now fully resolved. All the details are in the original thread, with the primary problem being that when setting up a High Yield Savings Account with Credit Karma, you are unable to make changes (add/edit/remove) to your funding account. I have never experienced this type of issue using other banking and investment products with several other financial institutions local, regional, or national. I opened the account on 10/30/19. Around a week later, I wanted to change my originating account as the funding account I had I closed as it was with Marcus, who I no longer personally wished to work with and had no reason to keep the account open. I wanted to change the account to a personal account with PNC. At the time, there was zero documentation saying you couldn't change your linked account. It appears on 11/7/19 - days after I opened my complaint with Credit Karma, they edited this support page to account for such an oversight. I find this dubious or very coincidental to say the least. After going through several support emails, creating the original reddit thread, which seemed to get their attention at last - I received a manager support correspondence which started to resolve my issue. They had to manually link my PNC account on the back-end, asking for ID verification, etc. which I provided. Days elapsed and I allowed 24 hours between my own responses with their online only email support. They did link the account, but a second issue arose - I could no longer login. Regardless of browser, app, IP address, computer - nothing worked. I lost the ability completely, and therefore the ability to verify the account was linked and my money was safe or could be transferred. It took over a week for them to troubleshoot this separate, but related issue - which was not resolved. I asked for the funds to be mailed to me by check and the account closed. However, I noticed an error elsewhere in my Credit Karma profile, they had my incorrect address. I was unable to edit the address as apparently Credit Karma had incorrect addressing information from TransUnion. I contacted TransUnion and verified the information was correct - but for some reason the change was never picked up by Credit Karma. I let Credit Karma know of this error, and to mail the check to me at the address on my email - verified by Drivers License. They said they would ensure this happened. It did not. The check was mailed to the previous address. Literally the most incompetent customer service on the planet. Luckily, I know the person who lives at the previous address (family) and they held the check for me. I would never have known they sent the check to the wrong address had that family member been a stranger for example. I did let Credit Karma know of this severe error by email a few days ago - no response. Not even an apology at any point other than from the manager who said he was sorry it took so long for them to respond originally. After that the case was cleary given back to a regular employee(s). I deposited the check a few days ago, my money is safe. I will be looking at a far better high yield savings institution this week to move the money into and am open to recommendations. I'm partial to trying Capital One since I have a credit card with them. I have yet to submit any formal complaints as I'm not even sure where to begin. The CFBP online form doesn't have the appropriate options for me to start, and I only have emails to point to as proof. Take this story as a buyer beware. I'm sure the account works for others, but there are so many better products on the market. I'm personally never doing business with Credit Karma for any purpose again. TL;DR - Do not open a high yield savings account with Credit Karma unless you plan to never change your funding account info. Their customer service is terrible. No phone number to speak of, and their banking partner is a small bank in West Virginia who cannot assist you. You will not be provided an account or routing number and must close your account to make changes such as this. edit: Thanks for the Platinum, Gold and Silver kind strangers. And for all of your replies. submitted by /u/LtPatterson to r/personalfinance [link] [comments]