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Posted on 9/12/23 at 9:15 pm to indytiger
I roll t-bills in a brokerage account. 5.2-5.35% generally. Just buy a new one every couple months with whatever comes due.
Posted on 9/12/23 at 9:20 pm to indytiger
Wealthfront. 4.8%. FDIC insured up to $2M.
Posted on 9/13/23 at 8:53 am to PistolPete45
Is anyone familiar with Robinhood’s or have thoughts about it? I think it’s 4.5 percent for a 5 dollar monthly fee.
Posted on 9/13/23 at 9:00 am to indytiger
First Horizon Bank (formerly Iberia)
Their MM is currently at 5%
Their MM is currently at 5%
Posted on 9/13/23 at 9:43 am to REG861
quote:
Is anyone familiar with Robinhood’s or have thoughts about it? I think it’s 4.5 percent for a 5 dollar monthly fee.
I’m not familiar with that particular feature. But my initial question would be, why would anyone pay $5/month (or any amount really) to get 4.5%, when there are fee free accounts that yield more than 5% now?
Posted on 9/13/23 at 10:49 am to indytiger
Switched from CITI to CIT for a better rate.
Posted on 9/13/23 at 12:07 pm to Jag_Warrior
quote:
I’m not familiar with that particular feature. But my initial question would be, why would anyone pay $5/month (or any amount really) to get 4.5%, when there are fee free accounts that yield more than 5% now?
I have it, it’s called Gold, and it’s $5 dollars a month for them to sweep the uninvested money in your brokerage account into a money market that is invested in banks up to the FDIC ( $250,000) limit, spread out for protection . The $5 is taken out of your profits, and they ensure higher than FDIC, which if you have a good bit of money on the sideline, it’s a pretty good deal, and they pay 4.9% without you having to do a thing. There is better rates out there, but this has been a nice addition to my uninvested cash
Posted on 9/13/23 at 12:48 pm to CamdenTiger
quote:
Amex
Easy to use. Reliable. Already have other amex accounts. I don't go chasing every interest rate change.
Same here. Amex is 4.25% currently
Posted on 9/13/23 at 1:35 pm to indytiger
Vanguard cash reserves money market.
5.3%
5.3%
Posted on 9/13/23 at 1:41 pm to indytiger
Most of my "savings" is in Vanguard Cash Plus Account currently at 4.7%.
I'll Probably move most of this into a MM in my brokerage account. Probably use VMFXX currently @ 5.27%
I'll Probably move most of this into a MM in my brokerage account. Probably use VMFXX currently @ 5.27%
Posted on 9/13/23 at 2:12 pm to TheWalrus
CIT sitting at 5.05% last I looked.
Posted on 9/13/23 at 8:53 pm to AUin02
ALLY is about 4.25% to 4.5% depending on the account type.
Posted on 9/13/23 at 10:37 pm to 98eagle
ALLY also has U.S. support. Synchrony uses foreign support.
Posted on 9/13/23 at 10:39 pm to indytiger
You might consider one of the quick access accounts mentioned below and shorter term brokered CDs if this is for emergency cash.
Posted on 9/14/23 at 5:08 am to indytiger
Switched our savings from USAA at .01% to UFB Direct high yield savings account in February, which is now at 5.25%. Absolutely no regrets.
Posted on 9/14/23 at 7:58 am to NaturalBeam
quote:
Cap One is 4.3% right now. There are some internet based institutions that are higher, but I'll sacrifice a little yield for one I've actually heard of and can walk into.
Yeah I just got an offer from discover for the same rate and I have the same thoughts. I actually came to this thread to have someone else defend my thoughts so thank you
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