Presidential Premier Savings (Presidential Bank review) is now at 4.87% APY, with its Checking at 4.50% APY. These guys are my primary bank.
Citibank e-Savings Account (previously discussed) is now at 4.75% APY.
HSBC Direct (HSBC Direct review) is now at 4.65% APY.
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Come on GMAC Bank – you are due for an increase! 🙂
I recently opened a Citibank E-savings account with checking and have yet to find the percentage rate listed within the user control panel. It does show up on the monthly statement but nowhere else that I’ve found. Anyone located it?
Trent – you are right. It does not show up. I think it may be something internal with Citibank; because none of their savings accounts show it. They would probably need to reprogram their website to show it on the account detail screen.
You can check out the new promotion from USAA. They give 1% extra interests as bonus for the first six months. If you have a balance more than 10k, it might be worth opening a performance index account (a kind of saving accounts from USAA). The interest rate is 5.34%-5.71% during the promotion, depending on your balance.
If you have 15K or more, the current APY at GE Interest Plus (my bank) is 4.91% I find their rates to be higher than most other banks. The 4.91% account is also a checking account, but you have to write checks for over $250. If I’m taking less than $250 out, then I just use ACH transfer for amounts of $25 or more). If you have less than 15K, the APY is still decent – 4.65%. I remember when it was 6% and all the other online banks were 4. I’m waiting for the 6% to come back!
Presidential just changed premier savings so there are no fees for a low balance anymore. Still need $5k to open an account though.
GE Interest Plus is not an FDIC-insured deposit. It is possible to lose money if GE Capital is unable to pay its debts.
Actually, doesn’t GMAC Bank have 4.75% APR now for 5K and greater?
I signed up for an account when HSBC’s rate was lowered and I’ve found GMAC to be 1000% better than HSBC. The service and Web site are far superior. I am quite pleased. I left a few bucks in my HSBC account, too.
Just a note, ED increases rate too.