Originally posted by: crimson117
Originally posted by: amdskip
I have ING, is it worth changing to Emigrant?
I'm in the same boat... it's about 0.5% more at emigrant/hsbc than at ing direct. I might switch, myself. ING always seems to lag behind the others in increasing rates.
They do and they will continue to for the foreseeable future. ING has too much money in deposits now and there mortgage business isn't doing that well. Thus they're not able to loan out all the money that people are giving them, thus they have no reason to increase their rates which would obviously pay more out to the customers and drive people to give them more money.
Here's the current list from FW:
Geauga Savings Bank Immediate Access Tiered Savings Account
5.45% APY $25,000 - $99,000 (fees if below $25,000)
2.00% APY $99,000+
No interest paid until Dec 31st, even if account is closed!
Fatwallet discussion
Countrywide Bank Savings
5.40% APY $50,000 - $2,499,999
5.25% APY $10,000 - $49,999
ACH originate: YES, next day, but with only one bank, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
Bank of America Money Market Savings Account through NEA
5.37% for $50,000+
5.11% for $500 - $49,999
5.54% APY $50,000+ for first 60 days
5.28% APY $500 - $49,999 for first 60 days
$500 to open, $2,500 to avoid maintenance fees after 2/16/07
ACH originate: NO, ACH target: YES, checks: YES, debit card: see AAA money market below
Fatwallet discussion
Fatwallet discussion
Bank of America Money Market Savings Account through AAA
5.38% APY $50,000+
5.11% APY $10,000 - $49,999
$1,000 to open, $2,500+ to avoid fees
ACH originate: NO, ACH target: YES, checks: YES, ATM card: YES, debit card: see below
BofA checking account customers can add a AAA money market account link onto their existing checking debit card. Some representatives incorrectly claim that accounts domiciled in different states cannot be linked on a single debit card (or ATM card) because they fail to realize the additional system entry steps needed to create multi-state links.
Fatwallet discussion
Fatwallet discussion
AmTrust Direct E-Money Market
5.36% APY $1+
$1,000 to open
No fees, no minimum balance, free ACH.
ACH originate: YES, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
Amboy Direct Premium Online Savings (ACH)
5.35% APY $20,000+
5.25% APY $1+
ACH originate: YES, next day, but with only one bank, ACH target: DEPOSITS ONLY, checks: NO, debit card: NO
Fatwallet discussion
BankUnited Savings Account
5.35% APY $5,000+ to open ($300+ to avoid fees)
ACH originate: NO, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
Zions Bank Deseret Money Market
5.34% APY $50,000+
5.30% APY $0 - $49,999
$100 to open
ACH originate: NO, ACH target: YES, checks: YES, debit card: YES
Not available to residents of Utah.
Fatwallet discussion
Union Federal Bank High Yield Money Market Savings Account
5.31% APY No Minimum
ACH originate: NO, ACH target: YES, checks: NO, debit card: YES
Fatwallet discussion
Igobanking (Online division of Flushing Bank)
5.30% APY $1+
ACH originate: YES, but takes 3 days over $2000, ACH target: yes, checks: NO, debit card: NO
Fatwallet discussion
OneUnited Bank UNITY Internet Savings Account
5.30% APY $10+
Fatwallet discussion
Apple Bank Grand Yield Savings Direct
5.27% APY $1+
ACH originate: YES, but costs $10 for next day, ACH target: ?, checks: NO, debit card: NO
Fatwallet discussion
Resource Bank eMoney Market Account
5.27% APY $100,000+
ACH originate: NO, ACH target: YES, checks: NO, debit card: NO
Stearns Bank Stearns Money Market "Above the Norm" Account
5.27% APY $100,000+
can safely deposit $400,000 in their four FDIC member banks
WT Direct
5.26% APY $10,000+
FNBO Direct
5.25% APY $1+
$1 to open
Only 1 ACH linked account
Fatwallet discussion
E-Loan Savings Account
5.25% APY $0+
$5,000 to open. No fees for low balance, but E-Loan reserves right to close your account if balance is below $500 for 90 days in any 12-month period.
ACH originate: YES, ACH target: NO, checks: NO, debit card: NO
Fatwallet discussion
Presidential Bank Premier Savings
5.25% APY $0 - $34,999
3.00% APY $35,000+
$5,000 to open, no minimum balance, free inbound ACH, fee outbound if using its fund transfer service. However, no fee on both transfer IN and OUT if it's used as ACH target.
ACH originate: NO, ACH target: YES, checks: NO, debit card: NO
check deposits earn interest: DAY OF DEPOSIT
Fatwallet discussion
IndyMac Internet Top Tier Money Market
5.25% APY $75,000+
Advanta Bank Corp Money Market
5.25% APY $100,000+
5.20% APY $50,000 - $99,999
5.15% APY $10,000 - $49,999
5.10% APY $1,000 - $9,999
$2,500 to open, $100 to avoid fees.
ACH originate: WITHDRAWALS ONLY, ACH target: YES, checks: YES, debit card: NO
Geauga Savings Bank Money Market Plus Checking Account
5.25% APY $25,000 - $99,000 (fees if below $25,000, 1.00% $99,000+)
Superior Savings Incredible Money Market
5.25% APY $100,000+
Undisclosed APY $99,999 to $25,000
0.00% APY below $25,000
$25,000 minimum daily to avoid $20 monthly fee.
NEW money, NEW accounts only. Starter checks.
Centennial Bank Variable Rate Passbook Savings
5.21% APY $50,000+
4.95% APY $25,000 - $49,999
ACH originate: NO, ACH target: NO, checks: NO, debit card: NO
Fatwallet discussion
Capital One/Costco Money Market
5.20% APY $100+
minimum deposit of $5,000
Allows ACH transfers in and out in addition to check-writing and ATM access
Fatwallet discussion
DiscoverBank
5.20% APY $50,000+
5.20% APY $25,000 to $49,999
5.14% APY $10,000 to $24,999
$2,500 to open and avoid fees
Virtual Bank eMoney Market (ACH)
5.13% APY $100,000+
$100 to open
ACH originate: YES, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
Park National Bank Advantage Money Market
5.13% APY $0.01+
$100 to open, $10,000+ to avoid fees
Umbrella Bank Pot o' Gold
5.10% APY $50,000+
5.05% APY $25,000-49,999
5.00% APY $10,000-$24,999
5.00% APY $5,000-$9,999
4.95% APY $1,000-$4,999
$1,000+ to avoid fees
ACH originate: NO, ACH target: YES, checks: YES, debit card: YES
check deposits earn interest: DAY OF DEPOSIT
Fatwallet discussion
Mybanking Direct
5.10% APY $5,000+
Imperial Capital Bank iMoney Market Checking
5.10% APY $100,000+
$2,500 minimum to open, $5,000 to avoid fees
Gloucester County Federal Savings Bank CyberSaver
5.09% APY $25,000+
3.50% APY $0 - $25,000
promo: 1st 90 days on all accounts 5.28 APY
$100 to open, no minimum balance
ACH originate: NO, ACH target: YES, checks: NO, debit card: NO
check deposits earn interest: DAY OF DEPOSIT
Fatwallet discussion
Corus Bank
5.15% APY $0.01+ Managed Money Market ($100 to open, $10,000+ to avoid fees)
5.15% APY $100,000+ Ultimate Interest Checking ($50 to open, 10,000+ to avoid fees)
GMAC Bank Insured Savings/Money Market (ACH)
5.10% APY $500+
4.99% APY < $500
ACH originate: YES, next day, ACH target: YES, checks: YES, debit card: YES
Fatwallet discussion<locked
Fatwallet discussion
NewDominion Bank Money Market
5.07% APY $0.01
$3,000 to open and avoid fees
ACH originate: YES, ACH target: YES, checks: YES, debit card: YES
FatWallet Discussion
HSBC Bank OnlineSavings Account (ACH)
5.05% APY $1+ ACH originate: YES, 4 business days, ACH target: YES, checks: NO, debit card: YES [This is an ATM Card, not a Debit Card. It can't be used to purchase something.]
Promo rate: 6.00% APY for "new money" from 1/26/07-4/30/07
Note: HSBC ACH transfer results in 2 days lost interest if initiated on Monday, Tuesday. Up to 4 days lost interest if transferred later in the week.
Fatwallet discussion
Fatwallet discussion
Emigrant Bank American Dream Savings Account (ACH)
5.05% APY $0.01+
ACH originate: YES, next day, but only with non-money market checking accounts, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
E*Trade Bank Complete Savings Account
5.05% APY $1+
$1 minimum initial balance, No low-balance fees.
ACH originate: YES, next day, ACH target: YES, checks: NO, debit card: NO
Fatwallet discussion
GE High Yield Savings
5.05% APY $15,000+
No minimum balance and no fees.
Washington Mutual Statement Savings
5.00% APY $1+ (requires Checking Account)
Fatwallet discussion
Heritage Bank Heritage Direct Savings
5.00% APY $1,000+
Union Federal Bank Direct Jumbo Money Market Account
5.00% APY $50,000+
ACH originate: NO, ACH target: YES, checks: YES, debit card: NO
... then again, I am sure there are ALOT more lucrative ways to invest $100k then in something like this, I just havent had time to think about/Look into it, but getting the APY of a good CD in a online based checking account aint doin too bad )
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