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Message
re: Capital One 360 Performance Savings - UPDATE: 4.35% APY as of 12/11/23
Posted on 12/3/22 at 4:58 pm to VermilionTiger
Posted on 12/3/22 at 4:58 pm to VermilionTiger
Why not highlight some more regional / local money market savings rates instead of a huge, too big to fail institution?
There are some that are pretty close to that rate.
I’d rather keep my money there for a fair market rate vs getting maybe $50 more a year.
There are some that are pretty close to that rate.
I’d rather keep my money there for a fair market rate vs getting maybe $50 more a year.
1
Posted on 12/3/22 at 6:57 pm to Kreg Jennings
quote:
Why not highlight some more regional / local money market savings rates
If you've got'em, share 'em! We're all ears!
Sidenote, CapOne did not provide what I considered a satisfactory response to my complaint about having to close/open new accounts so I moved my money to AmEx. Called a couple of local/regional banks first and none could come close to 3%
Posted on 12/5/22 at 4:55 am to Jag_Warrior
It is easier to open a treasury direct account online than it is to buy a CD from most banks. The money moves easily between whatever bank account you keep money in and the treasury.
CDs are a sucker play compared to t-bills.
CDs are a sucker play compared to t-bills.
Posted on 12/5/22 at 7:54 am to I B Freeman
Moved my cash over from BOA to Capital one.. Pissed it took me this long
Posted on 12/5/22 at 11:25 am to LSUmajek
Moving checking accounts is a pain in the arse these days with so many direct deposits and auto pays being used.
Posted on 12/5/22 at 11:38 am to I B Freeman
Hancock Whitney offering 4.00% on a 9 month CD.
3.00% APY for six months on Money Market, 1.60% thereafter.
Money Market
3.00% APY for six months on Money Market, 1.60% thereafter.
Money Market
Posted on 12/6/22 at 9:18 am to sland36
buy 8 week t-bill for 4+% on treasury direct this week.
Posted on 12/6/22 at 9:30 am to I B Freeman
[/img] Most recent t-bill auctions on treasury direct. Link to Treasury Direct
It is nothing to be afraid of. Think of it as buying direct from the government---which is what you are doing.
Posted on 12/6/22 at 9:36 am to I B Freeman
SoFi is 3.25% for savings and 2.50% for checking, fwiw.
Posted on 12/6/22 at 11:27 am to I B Freeman
Although I have a Treasury Direct account too, I’ve mostly been buying T-bills through TDA and Schwab. The advantage with Treasury Direct is you can do competitive or noncompetitive (have to do noncompetitive bids on the brokerage sites) and I *believe* you can buy smaller face amounts than the standard $1000 on the brokerage sites.
But I agree with you, Treasuries are the way to go… higher yields, plus better tax treatment.
But I agree with you, Treasuries are the way to go… higher yields, plus better tax treatment.
Posted on 12/15/22 at 6:09 am to Jag_Warrior
Capital One just updated to 3.30% now
Posted on 12/15/22 at 6:52 am to LSUSports247
quote:
Capital One just updated to 3.30% now
Yep, my accounts reflect 3.3%. Enjoying this incremental increase.
Posted on 12/15/22 at 9:16 am to thegreatboudini
I got an email from Wealthfront that they are increasing to 3.80% APY.
Posted on 12/15/22 at 4:07 pm to LSUSports247
quote:
Capital One just updated to 3.30% now
Hell
Yes
Posted on 12/15/22 at 6:01 pm to VermilionTiger
Chase is giving .00002% or some BS in that range
Posted on 12/16/22 at 9:21 am to LSUSports247
They went up because T-bill yields went up.
Many banks are simply taking depositors money and buying t-bills if they don't have any loans to make.
At 3.3% Capital One is making about 30% on your money.
Actually more--I just checked my treasury direct account and I reinvested in 13 week bills at 4.3777% yesterday. You can set the purchase up to reinvest on maturity automatically and it will do that. I have some in 13 week bills and they are the ones that reinvested yesterday
Many banks are simply taking depositors money and buying t-bills if they don't have any loans to make.
At 3.3% Capital One is making about 30% on your money.
Actually more--I just checked my treasury direct account and I reinvested in 13 week bills at 4.3777% yesterday. You can set the purchase up to reinvest on maturity automatically and it will do that. I have some in 13 week bills and they are the ones that reinvested yesterday
This post was edited on 12/16/22 at 9:26 am
Posted on 12/16/22 at 7:05 pm to I B Freeman
My Savings Direct, a part of Emigrant Bank, has hysa at 4.35% with no fees. Several others are over 4% as well.
Posted on 12/16/22 at 7:20 pm to Topisawtiger
Kind of related, maybe someone knows more about this than my zero research, but I accepted the “Robinhood Gold” 4% on uninvested cash for $5 a month fee. Have ~40k sitting in there waiting to do something stupid - will see if this behaves as I’m thinking/I can still deploy it when I choose to do so. Curious to see if selling puts with a collateral hold will get the 4%
Posted on 12/17/22 at 8:11 am to VermilionTiger
Just go with fidelity fdrxx
After fees, it is still a better rate - and you don’t get slapped with the ole Capital One bait and switch
After fees, it is still a better rate - and you don’t get slapped with the ole Capital One bait and switch
Posted on 12/17/22 at 9:01 am to KillTheGophers
SoFi up to 3.5 savings. 2.5 checking.
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