APY GUY: Maximize Your Savings & Earnings

editorial staff

PayPal Savings Account Review – Now 4.30% APY!

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The financial technology company PayPal hardly needs any introduction with nearly 223 million users worldwide and over $27.5 billion in annual revenue; they’ve been a household name since their founding in 1998.

What you may not know is that they just launched a high yield online savings account in May of last year just as interest rates started to pick up.

The account has no minimum deposit requirements, minimum balance requirements or monthly maintenance fees of any kind.

To learn more about PayPal’s online savings account continue reading our review below.

PayPal Savings Rate + Account Details

image credit: paypal.com

The PayPal Savings account is 100 percent digital. You can download their app here and start saving immediately.

The account has no minimum deposit requirements or monthly balance requirements and all balances are eligible for the advertised rate.

The rate is variable and can change at any time without notice.

PayPal itself is not a bank, however your deposits are FDIC-insured through their partner Synchrony Bank.

Pros and Cons

Pros:
✅ High interest rate. Roughly 11x the national average per FDIC data.
✅ No minimum balance or deposit requirements.
✅ No monthly maintenance fees.
✅ Can be opened and managed completely online or by smartphone.
✅ Helpful savings tools.
✅ FDIC insured up to $250,000.
Cons:
🛑 No joint accounts.
🛑 No additional deposit accounts such as checking, money market or CDs (certificates of deposit).
🛑 No physical branches.
🛑 No business accounts (despite many using PayPal with eBay for business).
🛑 Slow transfers from 3rd party banks that may take up to 6 days.

Savings Account Rate

Minimum DepositAPY
$04.30%
APY = Annual Percentage Yield

To put this yield into perspective, the current national average for a savings account and a money market account sit at just 0.40% and 0.59% APY, respectively, according to recent FDIC data.

The best high yield online savings account rates are just now inching over the 5.00% APY mark following the Fed’s last rate hike in early May.

How does PayPal’s Savings Account Compare?

If you’re curious to see how PayPal’s APY (annual percentage yield) stacks up against the competition, then take a look at the table below. It compares PayPal’s savings rate with other FDIC-insured online banks and their high yield savings account rates.

BankAPY
Bask Bank4.75%
First Foundation Bank4.85%
PNC Bank4.50%
PayPal4.30%
These rates were surveyed on June 7, 2023.

Money Management

image credit: paypal.com

Managing your money is straightforward with the PayPal app. You can transfer funds from your bank account or current PayPal balance into the savings account.

From the app you’ll also have access to the following:

  • Get your paychecks up to 2 days early when you set up direct deposit.
  • Mobile check cashing. Cash a physical check to your account from your phone.
  • Set up bill pay. Pay your TV, utilities, internet, phone bills, etc from the app.
  • Set up auto-save features and savings goals. Move money from one goal to another if priorities change.
  • Get a PayPal Cash Card. No fees or credit checks required. Can be used anywhere Mastercard is accepted.
  • Add cash with the app or Cash Card at 100k+ stores across the US, including Walmart, CVS, and 7-Eleven
  • Buy, sell and hold cryptocurrencies.

Final Thoughts

As far as FDIC-insured online savings accounts go, PayPal’s is fairly competitive – with a yield roughly 11x the national average.

Plus the fact that the account has no maintenance fees, minimum deposit requirements or monthly balance requirements to earn the high rate makes it available to a large swathe of consumers.

PayPal Savings Account FAQs

If you still have questions about PayPal and their newly launched online savings account, don’t worry we’re here to help. Here are some of the most commonly asked questions by consumers and our responses below.

Is PayPal a Bank?

No. PayPal itself is not a bank, but it provides a high yield savings account through Synchrony Bank.

Peter Thiel, the founder of PayPal, has stated that PayPal is not a bank because it does not engage in fractional reserve banking. Essentially meaning the company does not engage in the act of borrowing and lending their customers’ funds.

Federal Regulators also reiterated this notion back in 2002, stating that PayPal is not a bank and shouldn’t be regulated as such.

That being said, PayPal has dipped their toe into banking products like the online savings account that they now offer.

In the past, they have also tested out money market accounts, lines of credit and even a debit card, which is still offered as the PayPal cash card.

Are PayPal Accounts Insured by the FDIC?

Yes, by proxy.

While PayPal itself is not a bank and is not FDIC-insured, the accounts they offer are through their partner Synchrony Bank (FDIC# 27314).

Mountain America Credit Union CD Rates – Up to 5.50% APY!

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Mountain America Credit Union, based out of Sandy, Utah is the 12th largest credit union in the country with 1,033,000 and more than $14 billion in assets.

They have just over 100 branches in the following 6 states:

  • Arizona,
  • Idaho,
  • Montana,
  • Nevada,
  • New Mexico and
  • Utah.

Despite their regional footprint, they offer highly competitive CDs (certificates of deposit) that can be opened by anyone in all 50 states – online or over the phone.

If you don’t live near a local branch or have a family member that is currently a member, you can still join the credit union by also joining one of their partner affiliations. This is of no cost to you and can be done during the application process.

To see if their CDs are right for you continue reading our review below.

Mountain America Credit Union CD Rates + Account Details

image credit: macu.com

Mountain America offers three types of CD accounts:

  • Standard CDs
  • Growth CDs
  • Youth CDs

The Standard CDs and Growth CDs come with identical yields but slightly different requirements.

Their Youth CDs offer the highest yields and are only available to those 27 years old or younger. Once you turn 28, your Youth CD will automatically renew into a Standard CD.

Their Standard Certificate comes with a minimum deposit requirement of $500 and allows for one rate bump during its lifespan if one becomes available. To enable this feature, you will have to take a 0.25% discount on the rate listed below. You will also have to notify Mountain America Credit Union when you’d like to activate the rate increase. One will not be automatically activated for you if rates rise.

Next is their Growth Certificate which comes with a minimum deposit requirement of just $5.00 but requires automated monthly add-on deposits of at least $10.00 with a cumulative cap of $100,000. There is no rate bump feature with the Growth CDs.

CD Rates (Standard and Growth)

Mountain America is a member of the NCUA (FDIC equivalent for credit unions) and all deposits are federally insured up to $250,000 per depositor.

The yields shown in the table below apply to both standard CDs and Growth CDs at Mountain America Credit Union.

CD TermAPY
6 months5.50%
12 months5.25%
18 months4.50%
24 months4.50%
30 months4.50%
36 months4.50%
48 months4.00%
60 months4.00%
APY = Annual Percentage Yield

To put these yields into perspective, the national average for 12 month and 60 month CDs sits at just 1.59% and 1.37% APY, respectively, according to FDIC data. That said, there are now a number of banks and credit unions offering 5.00% and 4.50% APY on the same respective terms – with Mountain America Credit Union leading the way for 12 month CDs.

Youth Certificates

Youth CDs require a minimum deposit of just $5.00 and allow for add-on deposits up to $10,000 per year starting from the day you open your CD.

As mentioned, you must be 27 years old or younger and all Youth CDs automatically renew into Standard CDs upon the owner’s 28th birthday.

Youth CD Rates

CD TermAPY
12 months5.35%
24 months4.60%
36 months4.60%
48 months4.09%
60 months4.09%
APY = Annual Percentage Yield

How Much Can you Earn with a Mountain America CD?

To see how much money you can earn from a Mountain America Credit Union CD take a look at the table below. It shows the total amount of money you’d earn in interest payments from a handful of Mountain America Credit Union’s most competitive CDs. It assumes a one-time deposit of $10,000.

CD TermAPYEarnings
6 months5.50%$271.32
12 months5.25%$525.00
24 months4.50%$920.25
36 months4.50%$1,411.66
60 months4.00%$2,166.53
Earnings = Total earnings from all interest payments through maturity.

How do Mountain America’s CD Rates Compare?

To get an idea of how Mountain America Credit Union’s CD rates compare to other well known credit unions with NCUA insurance, take a look at the table below.

Credit UnionBest CD Rate (APY)
Connexus Credit Union5.26%
GreenState Credit Union4.85%
Navy Federal Credit Union4.85%
Mountain America Credit Union5.50%
CD rates surveyed on June 5, 2023.

Compounding and Crediting Interest

Interest is compounded daily and credited back to the CD account monthly on all Mountain America CDs. You may elect to have the interest transferred to a MACU (Mountain America Credit Union) savings account which can then be withdrawn but this must be done upon account opening. You can learn more in their Truth-in-Savings disclosure forms (see PDF here).

Grace Period and Early Withdrawal Fees

Upon the maturity of any MACU (Mountain America Credit Union) CD, you will be given a 10 day grace period in which you may close out your CD or modify it in any way. If nothing is done during this 10 day window, your CD will automatically renew into a new standard CD with the same term and going APY at that time. Keep in mind, this means that all Growth CDs will automatically renew into Standard CDs with the same term.

If you need access to the funds in your CD prior to its maturity you will incur an early withdrawal fee. The fee(s) are as follows:

CD TermEarly Withdrawal Penalty
12 months or less90-day dividends penalty
greater than 12 mos and less than 48 mos180-day dividends penalty
48 months or greater365-day dividends penalty
mos = months

How to Open and Fund a CD

As noted, opening and funding a Mountain America Credit Union CD can be done online or over the phone by consumers in all 50 states. You can get started here.

Once your application has been accepted, the first account you’ll need to open is a MACU Traditional Savings account. All of the funds destined for your CD account must first come through this savings account. You’ll also need to maintain a minimum balance of $1.00 in the account for membership purposes after your CD is open and funded.

To complete the process you’ll need to following personal information:

  • email
  • phone
  • home address
  • social security number
  • driver’s license

If you’re going to make a transfer from another bank or credit union, you’ll need:

  • your current bank or credit union’s routing number
  • your account number

BMO Harris Online Savings Account – Up to 4.50% APY!

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BMO Harris Bank, based out of Chicago Illinois, is now offering an online savings account with a yield of either 4.30% APY (annual percentage yield) or 1.00% APY depending on which state you reside in.

Currently residents who do not reside in the following states (below) will stand to earn the 4.30% APY. Residents of the following states will earn only 1.00% APY:

  • Arizona,
  • Florida,
  • Illinois,
  • Indiana,
  • Kansas,
  • Minnesota,
  • Missouri or
  • Wisconsin

To learn more about BMO Harris Bank’s online savings account, continue reading our review below.

BMO Harris Bank Online Savings Account Rate + Details

BMO Harris Bank is member FDIC. Deposits held in their online savings account (as well as their CDs, money market or checking accounts) are federally insured up to $250,000 or $500,000 for joint accounts.

There are no minimum deposit requirements to open this account and no monthly balance requirements to earn the advertised APY, making it widely available to all consumers. There are also no monthly maintenance fees of any kind.

Online Savings Account Rate

Min BalanceLocationAPY
$0AZ, FL, IL, IN, KS, MN, MO, WI1.00%
$0all other states4.50%
APY = Annual Percentage Yield

To put these yields into perspective, the current national average for a savings account and a money market account sit at just 0.40% and 0.59% APY, respectively, according to FDIC data.

That said, there are now a handful of online banks and nationally available credit unions offering high yield online savings accounts with APYs near the 5.00% mark following the FED’s last rate hike.

How Does it Compare

If you’re looking to see how BMO Harris’s online savings account rate stacks up against the competition, then take a look at the table below. We’ve compared BMO’s rate with the online savings account rates offered by other FDIC-insured financial institutions.

InstitutionMin. DepositAPY
E-Trade$03.85%
PayPal$04.15%
Wells Fargo$1m2.51%
BMO Harris$04.50%
Rates surveyed on May 31, 2023.

How to Open and Fund the Account

Opening your BMO Harris online savings account can be done in minutes. You’ll just need to have a few pieces of personal information readily available to complete the process.

  1. Your contact information. This includes your physical address, phone number and email address.
  2. Identity information. You’ll need your social security number as well as your DOB (date of birth) to confirm your identity and your U.S. citizenship.
  3. Current bank or credit union information. You’ll need both the routing number of your current financial institution and your bank account number. This is the account in which your funds will be drawn to fund your new BMO Harris online savings account.

How to Close the Account

The easiest way to close the account is by calling BMO Harris at 1-888-340-2265.

Final Thoughts

If you live in one of the 42 states that are eligible for the high yield, then this online savings account from BMO Harris Bank is going to be a hard offer to beat. The fact that they have no minimum balance or opening deposit requirements casts a wide net to a lot of people who may not be able to meet the minimum requirements of similar accounts.

Oddly enough, BMO Harris Bank doesn’t allow you to navigate directly to their online savings account from BMOHarris.com, so you’ll need to navigate to the online savings account page directly.

First Foundation Online Savings – Now 4.85% APY!

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First Foundation Bank, founded in 2007 and headquartered in Irvine, California has roughly $13.6 billion in assets and 31 branch locations in 5 states – California, Florida, Hawaii, Nevada and Texas.

Their most competitive deposit account, however, is an FDIC-insured online savings account that can be opened by anyone but is only available online through their website and mobile apps.

To see if First Foundation Bank’s online savings account is right for you, continue reading our review below.

Online Savings Account Rate + Details

image credit: firstfoundationinc.com

All deposits held at First Foundation Bank are FDIC insured up to $250,000 per depositor.

There is a minimum deposit requirement of $1,000 to open the account but once the account is opened the advertised APY (annual percentage yield) applies to all balances over $0.01. The APY is variable and may change at any time.

Online Savings Account Rate

Minimum balance to earn APYAPY
$0.014.85%
APY = Annual Percentage Yield

To put this yield into perspective, the current national average for a savings account and a money market account sit at just 0.40% and 0.59%, respectively, according to FDIC data.

That said, top yields from FDIC-insured online banks are now inching over the 5.00% APY mark.

How Does it Compare?

Take a look at the table below to get a better idea of how First Foundation Bank’s online savings account stacks up against the competition.

BankMin. DepositAPY
Barclays U.S.$04.00%
BMO Harris$04.50%
PayPal$04.15%
PNC Bank$04.50%
First Foundation$1,0004.85%
Rates surveyed May 30, 2023.

Minimum deposit and balance requirements

There is a $1,000 minimum deposit requirement to open the online savings account. The funds must be considered “new money” to the bank. So if you have another deposit account with First Foundation bank and would like to take advantage of this higher yielding digital account you must transfer funds from another source to open it.

Potential Fees

There are no monthly maintenance fees or service fees if your account drops below a minimum balance. That said, if for whatever reason you need to withdraw your money and close this account within 90 days of opening it, a $20 fee will be assessed. Also, if you plan on making more than 6 transfers per month please note that a $20 fee will be imposed on the 7th transfer and on each subsequent transfer within the month.

If funding your online savings account via wire transfer, First Foundation Bank will waive all incoming wire transfer fees for the first 60 days after opening the account. You will still likely have an outgoing wire transfer fee, however, from your current financial institution.

Funding the Account

Depositing funds into the online savings account can be done in the following ways:

  • ACH transfer
  • Wire transfer
  • Mailed check
  • Mobile check deposit

Credit Inquiry

None. Security questions will be generated from public databases though to confirm your identity.

Access your funds

Once you’ve opened the account you’ll have access to your funds in the following ways:

  • ACH transfer
  • Wire transfer
  • Requesting a mailed check
  • Visiting a First Foundation Bank branch
  • ATM withdrawal (must first request an ATM card)

Additional Account Features

You can expect all the standard bells and whistles in terms of account features.

If this will be one of your primary accounts you’ll want to familiarize yourself with their mobile banking app. You can download this for free on the App Store or through Google Play.

Once you’ve opened the account and downloaded the app you can do the following:

  • Track your account activity. Access all your account information in one central location. See your transactions, balances, statements and check images.
  • Pay bills online. Transfer funds (6 external transfers per month), send person to person payments, pay your bills, deposit checks and more.
  • Send money to friends and family. Unlimited transfers to other First Foundation Bank accounts, plus the ability to send externally (6 free external transfers per month).
  • Stress free banking with multiple layers of security. First Foundation Bank utilizes multiple levels of authentication security so you can bank with confidence.

Other Deposit Accounts

First Foundation Bank also offers a standard checking account and a variable rate money market account with a slightly lower yield than their online savings account.

The money market account also requires a $1,000 minimum deposit to open but then earns the advertised yield on all balances over $0.01.

Money Market Rate

Minimum balance to earn APYAPY
$0.014.20%
APY = Annual Percentage Yield

Umpqua Bank CD Rates – Now up to 4.25% APY!

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image credit: umpquabank.com

Umpqua Bank, based out of Portland, Oregon, is a regional bank that serves the residents of five states in the Western U.S. These states are:

  • Washington
  • Oregon
  • California
  • Idaho
  • Nevada

They were originally formed in 1953 in Canyonville, Oregon when six individuals working in the timber business wanted to create a means to cash their payroll checks. Today, the bank has more than $50 billion in assets and $26.6 billion in deposits and offers a full suite of deposit accounts – both variable and fixed rate.

In our review below, we will focus on the fixed-rate certificates of deposit offered by Umpqua Bank. These products can be opened in-branch or over the phone and are federally insured by the FDIC up to $250,000 per depositor.

We should note that Umpqua Bank used to offer a handful of CD specials that could be opened online by new customers that are no longer available. All new customers must contact them directly at (866) 486-7782 or visit a local branch to begin the CD application process. Current Umpqua Bank customers may login to online banking and access CDs.

Umpqua Bank CD Rates + Account Details

Umpqua Bank currently offers nine standard term CDs (certificates of deposit) and one IRA CD that all require a minimum deposit of $1,000. They also have one CD “special” that comes with a 13 month term and a minimum deposit of $10,000 (or $25,000 if a renewal) which features their highest APY (annual percentage yield). The deposits made into the 13 month CD Special must be new money not currently held in any Umpqua Bank account.

CD Rates

CD TermAPY
1 month0.01%
3 months0.02%
6 months0.05%
12 months3.25%
13 month Special4.25%
18 months0.10%
18 month IRA0.10%
2 years0.10%
3 years0.10%
4 years0.10%
5 years0.10%
APY = Annual Percentage Yield

To put these yields in perspective, the current national average for a 12 month CD and a 60 month CD sits at just 1.59% and 1.37% APY, respectively, according to FDIC data.

Interest on all Umpqua Bank CDs is compounded daily and credited back to the account monthly for every term.

If you need access to funds in your Umpqua Bank CD prior to its maturity date, you will face an early withdrawal penalty. We’ve broken down these fees below.

Grace Period

As with most banks and credit unions, Umpqua Bank has a standard 10-day grace period upon your CD’s maturity in which you may close it out or modify it in any way without facing any fees.

If nothing is done during the grace period your Umpqua Bank CD will automatically renew for the same term and the going APY at that time.

Early Withdrawal Penalties

If you need access to the funds in your CD prior to its maturity you will face an early withdrawal fee. The fee structure is listed below.

CD TermPenalty
31 days or lessAll interest earned on the amount you are withdrawing with a minimum of seven days’ interest.
31 days – 1 year$25 plus 1% of the amount withdrawn.
1 year or more$25 plus 3% of the amount withdrawn.

Open and Manage your Umpqua Bank CD

As mentioned, Umpqua Bank allows you to open a CD in one of two ways – in a local branch or by contacting their Digital Store at (866) 486-7782.

Once you’re ready to begin the application process you will want to have the following pieces of personal information readily available:

  1. Name, email and phone number
  2. Current Address
  3. Social security number or government issued ID
  4. Driver’s License

When you’re ready to fund your Umpqua Bank CD, you’ll need the following information:

  1. Routing number of your current bank or credit union where the funds will be coming from.
  2. Current bank account number.

Once your CD is open, you can download the Umpqua Bank app for either IOS or Android to stay on top of interest accrued, maturity date and grace period.

Money Market Account

If you’re interested in a variable-rate deposit account, then you may want to check out Umpqua Bank’s money market accounts. They have 4 different accounts with varying yields, minimum deposit requirements and balance tiers. The 4 accounts are:

  • Thrive Money Market
  • Prosper Money Market
  • Premium Personal Money Market
  • Premium Personal Money Market Special

See the table below for a breakdown of yields and deposit tiers.

Money Market AccountBalanceAPY
Thrive$100 – $250k0.05% – 0.15%
Prosper$100 – $250k0.05% – 0.15%
$250k +0.50% – 1.00%
Premium Personal MMA$100k – $999.99k0.20%
$1m +0.50%
Premium Personal MMA Special$100k +3.50%
APY = Annual Percentage Yield

To put the yield above into perspective, the current national average for money market accounts sits at just 0.59% APY, however, some online banks are offering yields above 4.60% APY without any minimum deposit requirements.

Final Thoughts

Most of Umpqua Bank’s CD rates are far below the national average and provide negligible yields. Their 13 month CD Special and Premium Personal money market account Special are their most competitive accounts but still lag behind the top yields found with other online banks and nationally available credit unions – and without any minimum deposit or balance requirements.

Redneck Bank Review – Rates up to 5.30% APY!

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Fact Checked :
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Redneck Bank is a real, online-only bank with a humorous approach to banking.

The institution was originally founded in 1969 in Oklahoma City, Oklahoma. And even though they are an online bank today, the Huckabay family that owns Redneck bank has been involved in banking since 1927.

Their website showcases a light-hearted, friendly brand with a rural and fun feel to it. Upon loading the page, you’ll see animated goats, pigs and even a fly buzzing across the screen that you’ll be tempted to shoo away. If the volume is turned up on your device, you’ll notice this display comes complete with sound effects to boot.

All that to be said, the bank has two very competitive products that are FDIC-insured up to the applicable limits.

These are a:

  • Mega Money Market Account, and a
  • Redneck Rewards Checkin’ Account

To see if either of these high yield online deposit products are right for you, continue reading our comprehensive review below.

Mega Money Market Account APY + Details

No muckin’ around with these rates!

The Mega Money Market Account by Redneck Bank features a VISA debit card and access to thousands of ATMs worldwide. Wallet style checks are also available upon request.

The account currently pays a whopping 5.05% APY on balances up to $100,000 and just 0.50% APY on balances beyond that.

The account comes with a minimum deposit requirement of $500, however, once the account is opened there are no monthly balance requirements or monthly maintenance fees.

Mega Money Market Rate

BalanceMin DepositAPY
$0 – $50,000$5005.05%
$50,000 +0.50%

To put the rates above in perspective the current national average for a savings account sits at just 0.40% APY and the current national average on a money market account is just 0.59% APY, according to FDIC data.

Account Features, Capabilities and Details:

  • Bank to bank transfers
  • Person to person transfers
  • Direct Deposit
  • Mobile Deposit
  • Visa debit card
  • Wallet style checks – available upon request.
  • Overdraft Protection – must opt in to this feature.
  • 6 free withdrawals or transfers in person or at ATMs. After these 6 free debits per month, Redneck Bank will charge $5 for each debit after the sixth per monthly statement cycle.
  • 10 free Online Bill Pay transactions per month; $0.50 charge for each transaction after.
  • Free eStatements with transaction images available to view online.

Redneck Rewards Checkin’ Account APY + Details

Be sure you can meet the account requirements to earn the advertised APY.

The Redneck Bank Rewards Checkin’ Account is similar to the money market account but with four major distinctions:

  1. The high APY of 5.30% is only applied on balances up to $15,000.
  2. You must make 10 debit card transactions with your Redneck Bank Visa Debit Card per monthly statement cycle to earn the advertised rate.
  3. You must receive statements electronically.
  4. Added Bonus: Redneck Bank will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.

All balances above $15,000 will earn 0.50% APY. Also, if you fail to meet point 2 or 3, you will earn just 0.25% APY on your balance.

Outside of the four major differences listed above, the Rewards Checkin’ account comes with all the same features and capabilities as the money market account.

Reviews and Customer Sentiment

Redneck Bank scores fairly well with consumers averaging between a 3.5 and 4 star rating out of 5 on major financial publications such as NerdWallet and DepositAccounts.

Their IOS app has just 16 reviews and scores an average 3.8 star rating out of 5 while their Android App has a lower 2.7 star rating out of 5 with only 30 reviews as of the time of this writing.

Final Thoughts

At first glance of this company’s website, you may feel immediately inclined to write them off as an unserious or potentially even fake. But once you dig into the actual deposit account offers and pit them against the current products on the market, you begin to see these offerings are rather exceptional.

If you’re in the market for a variable-rate, online deposit account with easy access to cash via a debit card and a highly competitive APY, then this kooky online bank may be a great fit.

That said, if you value in-person banking and a full suite of banking products, then Redneck Bank likely won’t meet all of your needs.

Redneck Bank FAQs

Still have questions about Redneck Bank? See what other consumers are asking around the web along with our responses below.

Is Redneck Bank a Real Bank?

Yes! Despite the quirkiness, Redneck Bank is a real bank. They are the Internet Banking Division of All America Bank. Their FDIC number is 20093.

What is Redneck Bank’s Routing Number?

The routing number for Redneck Bank is 103113182.