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Started By
Message
Savings account interest rate went up!
Posted on 9/23/26 at 9:13 am
Posted on 9/23/26 at 9:13 am
Anyone else already get an interest rate increase on their savings? Mine went from 4% to 4.2%.
Posted on 9/23/26 at 9:41 am to notsince98
Congrats!!!!
Posted on 9/23/26 at 10:01 am to notsince98
Capital one is still 3%. Money market accounting in my brokerage is 3.77%.
That a good rate
That a good rate
Posted on 9/23/26 at 10:11 am to notsince98
Chase premium deposit just went from 3.0 to 3.2%
Posted on 9/23/26 at 10:17 am to notiger1997
quote:
What bank?
Happen Bank (formerly Lending Club).
Posted on 9/23/26 at 10:18 am to bayoudude
quote:
Chase premium deposit just went from 3.0 to 3.2%
Good to see some banks are starting to go up almost as quickly as they'll go down with the rates.
Posted on 9/23/26 at 10:24 am to notsince98
Elevault is the highest APY for HYSA that I’ve seen. It’s at 4.27%.
Posted on 9/23/26 at 10:59 am to notsince98
Amex to 3.1
Posted on 9/23/26 at 11:22 am to Paul Allen
X money or what is like 6% huh?
Posted on 9/23/26 at 11:26 am to TigerMan327
I’m still at 3% at capital one. Seriously thinking of the X one for 6%.
Posted on 9/23/26 at 11:35 am to TigerMan327
quote:
X money or what is like 6% huh?
Ehh, you have to be like a premium plus member to get those rates.
Posted on 9/23/26 at 11:54 am to Paul Allen
quote:
Elevault is the highest APY for HYSA that I’ve seen. It’s at 4.27%.
Looks like they've upped it to 4.34% currently.
Posted on 9/23/26 at 12:29 pm to dgnx6
quote:
Ehh, you have to be like a premium plus member to get those rates.
Isn't that just $30/yr or something like that?
Posted on 9/23/26 at 12:37 pm to notsince98
quote:Not mine, I just called and checked money market accounts and found they are at 2.5%. Change incoming, think I may just move it into fidelity looks like they are 3.7 or so today.
Good to see some banks are starting to go up almost as quickly as they'll go down with the rates.
Posted on 9/23/26 at 12:52 pm to notsince98
anyone use Wealthfront?
Seems like a nice concept. especially since we have multiple savings for the myself, wife, kids etc.
Seems like a nice concept. especially since we have multiple savings for the myself, wife, kids etc.
Posted on 9/23/26 at 12:55 pm to tigerfoot
Damn Im the only one using X Money? I was an early invite, the 6% interest + 3% cash back on most things is really nice.
This post was edited on 9/23/26 at 12:56 pm
Posted on 9/23/26 at 12:57 pm to Poboy1911
quote:
Damn Im the only one using X Money? I was an early invite, the 6% interest + 3% cash back on most things is really nice.
I have contemplated it but I am not sure it is worth the hassle. I'm not convinced they are long term rates and my concern is the rates plummet after a bit and then going through the hassle of changing again.
Posted on 9/23/26 at 12:59 pm to Poboy1911
nvmd
This post was edited on 9/23/26 at 1:00 pm
Posted on 9/23/26 at 1:27 pm to notsince98
quote:
I have contemplated it but I am not sure it is worth the hassle. I'm not convinced they are long term rates and my concern is the rates plummet after a bit and then going through the hassle of changing again.
Yeah and actually when i think about it you sort of need a use case for it.
I use X / Grok all the time so its worth it for me, but the fact is you basically are subsidizing your own rate. So Its worse than an HYSA until 25k or so, then you're getting more like 5%+ back. Since they aren't doing the usual BS of burning through venture capital money and then drop the rates once they run out, they are running a self-funding loop with the goal of breaking habits and they are well aware thats going to take a hell of a lot longer than a 90 day promo.
I put a lot of spare cash into it to beat the math and i've been happy with it so far. The no-thinking-required 3% back on just about everything is also quite nice.
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