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APY GUY: Maximize Your Savings & Earnings

APY GUY: Maximize Your Savings & Earnings

  • CD Rates
  • Savings Accounts
  • Checking Accounts

editorial staff

Banesco CD Rates – Now up to 4.40% APY!

Written by: editorial staff
Published January 18, 2023

Banesco USA is a state-chartered bank in Florida that was founded in 2006. Banesco USA is also completely independent of its international brand and is federally insured by the FDIC.

They offer online deposit accounts to consumers that can be opened throughout the country.

Their current deposit account offerings consist of five CD accounts (certificates of deposit) with terms ranging from 6 – 36 months. They also have an online savings account and a money market account.

To see if these deposit accounts are right for you, continue reading our review below.

Banesco USA CD Rates + Account Details

image credit: banescousa.com

All of Banesco’s “BaneSmart Certificates of Deposit” require a minimum deposit of $1,500.

Terms of 6 months to 3 years are available at this time, however only their short term CDs come with competitive yields.

CD Rates

TermAPY
6 months4.30%
12 months4.40%
18 months4.10%
24 months0.50%
36 months0.55%
APY = annual percentage yield

To put these offers in perspective the current national average for a 6 month, 12 month and 60 month CD sit at 0.81%, 1.28% and 1.21%, respectively, according to FDIC data.

Top 6 month and 12 month CDs nationwide from online banks are both now inching above the 4.50% APY mark to start 2023.

Compounding Interest

Your ability to earn compounding interest with BaneSmart CDs is limited. Banesco states that ‘for all terms 12 months or greater, the APY cannot remain on deposit and payout is mandatory.’

Generally with CDs that feature daily compounding interest, earned interest is automatically deposited back into the CD every day for further compounding.

Grace Period and Early Withdrawal Fees

Banesco CDs appear to have a 10 calendar day grace period upon maturity in which you can add or withdraw any or all funds without incurring a penalty.

Exact penalties for early withdrawals are a little murky on Banesco USA’s website and they do not offer any disclosures in this regard.

That said, they do state that “an early withdrawal penalty may be imposed for withdrawal before maturity,” so expect to incur some sort of fee if you need the funds prior to your BaneSmart CD’s maturity.

Opening and Funding a CD

Opening and funding a BaneSmart CD can be done online in 3 steps. Here’s what you’ll need to complete the application process:

  • Government issued ID/Drivers License/State ID or Passport with current address
  • Complete physical and mailing address
  • Social Security Number
  • Date of Birth
  • Bank account number where CD funds will come from
  • Bank or credit union routing number

πŸ“Œ Please note: You will be required to answer questions about your employment status and gross monthly income in the application process as well.

Funding your CD must be done during the application process and can be made via an ACH transfer from an existing checking or savings account from another banking institution.

Banesco Savings Account

Banesco’s online savings account, called BanesGrow, comes with a minimum deposit requirement of just $100.00 and a maximum allowance of $1m. All balances pay the same APY (annual percentage yield).

Savings Rate

Min. DepositAPY
$1001.35%
APY = annual percentage yield

To put this yield into perspective, the current national average for a savings account sits at just 0.33% APY, however top yields from online banks are now inching over the 2 percent mark.

Banesco Money Market Account

Banesco’s money market account, called BanesFlex, comes with a steeper minimum deposit requirement of $2,500 and the same maximum allowance of $1m.

As with the savings account, all balances pay the same APY (annual percentage yield).

Money Market Rate

Min. DepositAPY
$1001.35%
APY = annual percentage yield

To put this yield into perspective, the current national average for a money market account sits at just 0.44% APY.

Opening and funding either the money market account or the online savings account require the same steps and materials to open and fund them as their CDs do.

Filed Under: CD Rates

CIT Bank Savings Accounts – Now up to 4.05% APY!

Written by: editorial staff
Published January 18, 2023

image credit: cit.com

CIT Bank has three variable rate savings products with APYs (annual percentage yield) ranging from 1.00% to 4.05% currently. These are:

  • CIT Bank Savings Builder
  • CIT Bank Savings Connect
  • CIT Bank Money Market

The Savings Connect just had its APY upped to 4.05% recently, while the Savings Builder and Money Market accounts earn 1.00% and 1.55% APY, respectively.

Each comes with their own minimum deposit requirements and account details which we’ll cover in detail below.

If you haven’t heard of CIT Bank before it might be because they’ve gone through several re-brands, mergers and acquisitions over their century-plus history since their founding in 1908.

Today they hold over $50 billion in assets and regularly offer some competitive rates on their deposit accounts.

To see if any of CIT bank’s savings products are right for you, continue reading our comprehensive review below.

CIT Bank is member FDIC and all funds held in any CIT bank account are federally insured up to the applicable limits.

CIT Bank Savings Builder APY + Account Details

The CIT Bank Savings Builder account requires a rather steep minimum deposit of $25,000 to earn the advertised APY. However, if you do not have $25k to open the account but can manage to add at least $100 to it monthly, CIT will still provide you with the 1.00% APY. If you don’t have $25k nor can you commit $100/mo to the account, you’ll earn just 0.40% APY on your balance. More details below.

Minimum Balance + ConditionsAPY
$100 – $25,0000.40%
$100 + $100/mo deposit1.00%
$25,000 +1.00%

To put these APYs in perspective, the current national average on a savings account sits at just 0.33% according to recent FDIC data.

All new accounts will get an introductory APY of 1.00% during what CIT Bank refers to as the “Introductory Period.” When this period ends, accounts will be evaluated on “Evaluation Day” to determine the APY paid for the next period.

The introductory period begins the day you open the account and ends on Evaluation Day. The Evaluation Day is the fourth business day prior to the end of the month. If you aren’t maintaining a monthly balance of $25,000 or more, you’ll want to make a deposit of at least $100 during this period if you want to keep the higher APY.

Regardless of your balance, interest is compounded daily and credited monthly to the account.

CIT Bank Savings Connect APY + Account details

The CIT Bank Savings Connect account offers the most competitive APY of 4.05% and can be opened with just $100.

Min BalanceAPY
$1004.05%
APY = Annual Percentage Yield

This is their most competitive product and also the easiest to open with no additional accounts required and a low minimum deposit requirement.

CIT Bank Money Market APY + Account Details

CIT Bank’s money market account is perhaps its most straight forward variable rate product. It earns a competitive 1.55% APY on all balances above the $100 minimum required to open it.

There are no fees or secondary accounts required to earn the advertised APY.

To put this yield into perspective, the national average for money market rates sits at just 0.29% APY currently.

Fees Associated with the Accounts

Like many hassle-free online savings accounts this one has no monthly maintenance fees or ongoing fees of any kind. The only fee you might want to look out for is a $10 wire fee for moving funds about; however CIT Bank will waive this fee as well if you maintain an average monthly balance of at least $25,000 in the account.

Opening an Account and Accessing Funds

To fund your CIT Savings Builder account, you’ll have four options. These are:

  • Mail a check
  • Send a wire (no fee for this)
  • ACH funds transfer, or
  • Mobile check deposit via their mobile app (download for IOS or Android)

If you plan on funding the account via an electronic funds transfer, please allow up to two business days for the money to appear in your account. Mailed checks will likely take a little bit longer depending on your location and time spent in transit.

Once you’ve opened the account, you may withdraw money in one of three ways. These are:

  • ACH Electronic funds transfer
  • Request a mailed check by CIT Bank
  • Outgoing Wire transfer

You’ll want to note the potential $10 wire fee we mentioned previously if you aren’t maintaining a balance of $25,000 or more.

ATM and Branch Access

Like many online savings accounts the CIT Bank Savings Builder account comes with no ATM or debit card of any kind. You will not have access to cash via this method or access to any physical branch locations. If you need access to cash, you will have to transfer the money to a bank or credit union with a branch near you or request a check from CIT Bank.

Other CIT Bank Deposit Accounts

Outside of the variable rate accounts discussed above, CIT Bank also offers the following deposit products with interest payments:

  • Eight standard term CDs
  • 11 month No-Penalty CD
  • Jumbo CDs (four terms available)

We covered CIT Bank’s CD accounts earlier this year and they still feature competitive APYs. For fixed rate deposits with CIT Bank you will earn the same interest whether the account is a standard deposit or “Jumbo.” In normal interest rate environments jumbo accounts tend to pay more than standard ones.

Filed Under: Savings Accounts Tagged With: CIT Bank

RPFCU CD Rates – Now up to 4.75% APY!

Written by: editorial staff
Published January 15, 2023

Randolph-Brooks Federal Credit Union, headquartered in Live Oak, Texas, is the 11th largest credit union in the country by asset size with over $14.77 billion.

Despite their size, membership with RPFCU is only available to those who live, work or worship in Austin, San Antonio, Plano and central Texas. You can learn more about joining here or give them a call at 210-945-3300 to see if you’re eligible.

If you are a member or if you’re eligible for membership and are in the market for a CD (certificate of deposit) then Randolph-Brooks has some fairly competitive offers.

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

Randolph-Brooks Federal Credit Union CD Rates + Account Details

image credit: rbfcu.org

Randolph-Brooks Federal Credit Union CDs require a minimum deposit of $1,000 to open and come with varying yields by deposit size. They are federally insured by the NCUA (FDIC equivalent for credit unions) and are insured up to $250,000 per depositor.

The deposit tiers ares:

  • $1,000 – $4,999.99
  • $5,000 – $19,999.99
  • $20k – $74,999.99
  • $75,000 +

CD Rates

CD TermAPY range
6 – 11 months3.55 – 3.75%
12 – 23 months4.05 – 4.25%
24 – 35 months4.50 – 4.80%
36 – 47 months4.45 – 4.65%
48 – 59 months4.40 – 4.60%
60 – 71 months4.40 – 4.60%
72 – 83 months4.40 – 4.60%
84 months4.40 – 4.60%
APY = Annual Percentage Yield

The high end of the APY range is for deposits of $75,000 or more whereas the low end is going to be for deposits of $1,000 – $4,999.99. Each deposit tier comes with a higher yield by 0.05% APY.

To put RPFCU’s CD rates into perspective, the current national average for a 12 month and 60 month CD sit at just 1.07% and 1.09% APY, respectively, according to FDIC data. That said, there now a handful of online banks offering 4.50% APY and 4.60% APY for the same respective terms.

Super Saver Certificate

The Super Saver Certificate features RPFCU’s highest yield and also requires a minimum deposit of $1,000.

Super Saver CD Rates

CD TermDeposit SizeAPY
18 months$1,000 – $4,999.994.55%
18 months$5k – $19,999.994.65%
18 months$20k – $74,999.994.70%
18 months$75,000 +4.75%
APY = Annual Percentage Yield

Grace Period and Early Withdrawal Fees

Upon the maturity of your CD, Randolph-Brooks provides you with a 10 calendar-day grace period in which you may modify your CD (either by deposit size or term) or close it out entirely without facing any early withdrawal fees.

If nothing is done during this grace period, CDs will automatically renew into the same term with the going APY at that time.

If you need access to your funds prior to the maturity of your CD, you will face an early withdrawal penalty fee. The fee is as follows:

CD TermEarly Withdrawal Fee
6 – 11 months30 days’ interest
12 – 23 months60 days’ interest
24 – 35 months120 days’ interest
36 – 47 months180 days’ interest
48 – 59 months240 days’ interest
60 – 71 months300 days’ interest
72 – 83 months360 days’ interest
84 months420 days’ interest

Filed Under: CD Rates

Ally Bank Money Market Account – Now up to 3.30% APY!

Written by: editorial staff
Published January 10, 2023

[πŸ“Œ Update January, 2023: Ally Bank’s money market account and online savings account continue to see their variable rates rise. Both accounts now provide an APY (annual percentage yield) of 3.30% APY. This is up from 3.00% APY in December. See more account details below.]

Ally Bank is a one-hundred percent digital institution that has practically become synonymous with online banking itself.

After rebranding themselves from GMAC (General Motors Acceptance Corporation) in 2009 to Ally Bank following the 2008 financial crisis, they’ve gone on to position themself front and center in the online banking world.

In September of 2019, they announced that they had soaked up over $100 billion in consumer deposits just months after their 10th year anniversary.

Today, Ally Bank offers a full suite of FDIC-insured deposit accounts with competitive APYs that always stay in-line or ahead of their peers.

Ally Bank’s variable-rate deposit account consists of an interest checking account, an online savings account and a money market account. Their fixed-rate, certificate of deposit accounts consist of standard CDs and a handful of specialty CDs.

For the purpose of this review, we will focus on Ally Bank’s variable-rate money market account.

Ally Bank Money Market Account Details + APY

image credit: ally.com

Ally Bank’s money market account is about as hassle free as they come. It has no minimum deposit requirement to open the account and no monthly balance requirement once the account is opened. The account also has no monthly fees to worry about and features a decent APY.

The APY is tiered based on balance amount, however as of the time of this writing all balances come with the same yield. As the savings rate environment continues to heat up throughout the remainder of 2022, this may change.

Market Account Rate

BalanceAPY
$0 – $5,0003.30%
$5k – $24,999.993.30%
$25k or more3.30%
APY = Annual Percentage Yield

To put the yields above in perspective, the current national average for a savings account sits at just 0.30% APY and the national average on a money market account sits at 0.38% APY, according to FDIC data.

That said, there are a number of money market accounts featuring APYs above 4.00%.

Interest is compounded daily for maximum growth. Keep in mind though that this rate is variable and is subject to change at any time without notice.

Accessing Your Cash

Per Federal Regulation D, you are limited to just 6 withdrawals or transfers per statement cycle. If you exceed this amount, Ally Bank will charge $10 for each additional transaction after the sixth. Please note, that due to COVID-19 Ally Bank is currently refunding these excessive transaction fees. We will update this post when Ally Bank’s policy changes on this matter.

Despite limited digital withdrawals and transfers, you are allowed an unlimited amount of monthly ATM withdrawals.

Upon opening the Ally Bank money market account, Ally will send you a debit card that should arrive in the mail no later than 10 business days after your initial deposit. Your first order of checks will also come within this time frame.

With your Ally Bank ATM card you can make unlimited cash withdrawals from your account for free at any of the 43,000+ Allpoint ATMs across the country. Ally Bank will also reimburse you up to $10 per statement cycle for fees charged at other ATMs.

Adding funds to your money market account is quick and easy with Ally Bank’s mobile app for Android or IOS phones. With the Ally Bank eCheck Deposit feature you can snap a photo of your check and deposit it on the go.

If you have any issues accessing your funds or with the account in general, Ally Bank features 24/7 support with live, actual people.

You can get in contact with them a number of ways outlined on their contact page, or you can give them a call directly at 1-877-247-2559. You’ll notice Ally Bank even shows the estimated customer support wait time at the top, right-hand corner of their homepage.

Fee Schedule

Depending on how you use your Ally Bank money market account, you may encounter various fees from time to time. Below is a complete breakdown of how and where you may encounter these.

Ally Bank Fee Schedule

ActionFee
Returned deposit item$7.50
Overdraft item (paid or returned)$25
Excessive transaction fee$10 (currently reimbursed)
Expedited delivery$15
Outgoing domestic wires$20
Account research fee$25

Unlike many online banks and credit unions, Ally Bank does not charge for incoming wires – either foreign or domestic.

With Ally Bank, you’ll also be entitled to free standard or expedited ACH transfers, copies of online statements, postage paid deposit envelopes, and free cashier checks and regular checks.

Money Market VS Online Savings

Ally Bank’s online savings account is a similar product to their money market account in many ways.

The accounts pay the exact same APY and have the exact same balance tiers. They also have identical fee schedules and nearly identical account features.

Money Market Rate Vs Online Savings Rate

Money MarketAPYOnline SavingsAPY
$0 – $5,0003.30%$0 – $5,0003.30%
$5k – $24,999.993.30%$5k – $24,999.993.30%
$25k or more3.30%$25k or more3.30%
APY = Annual Percentage Yield

So what’s the difference?

Three automated savings tools that are only found with the online savings account.

The difference is in the tools and access that each provides. The online savings account offers 3 automated savings tools that the money market account does not. These are:

  1. Recurring Transfers – Set up automatic transfers into your savings account that works for your budget. This can be a fixed dollar amount or percentage of deposit.
  2. Round Ups – This feature is powered by an Ally Bank algorithm. It tracks your Ally Bank interest checking account transactions and determines when it can round-up to the nearest dollar. Once you’ve built up $5.00 in ’round-ups’ the feature will deposit these funds into your online savings account.
  3. Surprise Savings – Another algorithm feature, this tool analyzes your linked interest checking account for funds it determines as “safe-to-save.” Then it transfers these to your online savings account.

The money market account offers easy ways to access your cash at any time. These include:

  1. Debit Card. This can be used at 43,000+ AllPoint ATM locations nationwide. Ally will also reimburse you up to $10 per month for third party ATM charges.
  2. Check writing capability. The money market account also allows you to write checks.

Filed Under: Money Market Tagged With: Ally Bank

Synchrony High Yield Savings Account – Now 3.75% APY!

Written by: editorial staff
Published January 5, 2023

[πŸ“Œ Update January, 2023: Synchrony Bank bumped up their online savings account rate by 0.25% to the current 3.75% APY (annual percentage yield). This is up from 3.50% APY in December. See more account details below.]

Synchrony Bank is a well known online-only, FDIC-insured bank that regularly offers high yields on both their fixed rate CDs and their variable rate high yield online savings account.

On top of the high yields, Synchrony Bank doesn’t impose any minimum deposit requirements or daily average balance requirements to earn the advertised yield.

Unlike many online savings accounts, Synchrony Bank also offers an ATM card. This card comes with zero withdrawal fees (from Synchrony Bank) and reimbursements up to $5.00 per month on fees charged by ATM owners.

To see if Synchrony Bank’s high yield savings account is right for you, continue reading our review below.

Synchrony Bank High Yield Savings Account Rate + Details

The Synchrony Bank High Yield Savings account is a straightforward, FDIC-insured account that has no minimum balance requirements and no monthly maintenance fees.

High Yield Savings Account Rate

BalanceAPY
$03.50%
APY = Annual Percentage Yield

To put this yield into perspective, the current national average for a savings account sits at just 0.30% APY according to recent FDIC data. However, there are a handful of institutions now paying over 4.00% APY (annual percentage yield) following another FED prime rate hike of 0.50% on December 14th.

Compounding Interest

Synchrony Bank’s high yield savings account compounds interest daily and pays it monthly on your statement date.

Synchrony Bank pays interest based on balance tiers. In the past, rates have varied by tiers, but today they pay a flat 3.50% APY across all balance amounts.

For future reference, the average daily balance tiers are broken up into the following groups:

  • <$4,999,
  • $4,999.01 – 24,999, and
  • >$24,999.01

As mentioned, there are no minimum balances to maintain or worry about, however, Synchrony Bank may close your account if it is inactive for more than 60 days.

Accessing Your Funds

With this savings product, you will have cash access via:

  • phone,
  • ATM, and
  • online banking.

You can manage your Synchrony Bank high yield savings account through their Android app or IOS app.

Also, remember if you opt for the free bank card tied to your savings account you can use it at any Plus and ACCEL ATMs free of charge. Plus, Synchrony Bank gives you $5 in monthly reimbursements for out of network ATM usage.

ATM transactions are unlimited and do not count towards savings account transaction limits of six per statement cycle (per Federal Regulation D).

πŸ“Œ Please Note: There is no check writing capability with Synchrony Bank’s high yield savings account. You will need to open the money market account for that feature.

Money Market Rate + Account Details

Synchrony Bank Money Market accounts currently earn a lower APY than the variable rate high yield savings account (above). And like the high yield savings account, their money market rates are also the same across all balance tiers.

Money Market Account Rate

BalanceAPY
$02.00%
APY = Annual Percentage Yield

To put this yield into perspective, the current national average for a money market account sits at just 0.29% APY according to FDIC data.

Compounding Interest

Interest is compounded daily and credited monthly.

Accessing Funds

Money market accounts come with check-writing capabilities and cash access via phone, ATM, or online banking. No minimum balance is required and new deposits can be made at any time.

Federal regulation limits the total number of transactions and withdrawals into or from either of these savings accounts to no more than six per month. You won’t be charged an excessive withdrawal fee if you go over, but these transactions may not be approved and your account may be subject to closure if you exceed this limit.

Filed Under: Savings Accounts

Best High Yield Online Savings Accounts for 2023

Written by: editorial staff
Published January 4, 2023

[πŸ“Œ Update January, 2023: All of the FDIC or NCUA-insured banking institutions we track to compile this monthly list saw the yield on their online savings account continue to rise through the end of 2022 as the FED made their fifth and final rate hike of the year (this time of just 0.50%) on December 14th.]

High yield online savings accounts are a great place to store idle cash for future investments and/or expenditures. They also make for great emergency funds.

Plus, the fact that they can be opened and managed one-hundred percent online makes them quite flexible and extremely low maintenance.

That said, you’ll want to hone in on a few variables to ensure you’re getting the best account for your specific needs. These are:

  1. πŸ“ˆ APY. The first is APY. If you’re in the market for a high yield saving account, then the “high yield” part is probably important. Current rates for the most competitive, variable rate, online savings accounts range from 3.75% – 4.35% APY as of January, 2023.
  2. πŸ’Έ Fees. A good online savings account should have no hidden fees or monthly maintenance fees. You should also make sure the account(s) don’t require opening additional accounts with the institution to avoid fees. The same goes for accounts that require monthly activities such as direct deposit or a certain number of transactions.
  3. πŸ’° Minimum Balance and/or Deposit Requirements. Depending on your individual circumstance and how much money you plan on stashing in your online savings account, you’ll want to make sure it doesn’t come with too high of an average balance requirement to earn the advertised yield. There are many great options available with zero minimum deposit and balance requirements.
  4. πŸ’³ Access to Funds. Make sure that the account allows for withdrawing, depositing and transferring funds in the way you desire. If you plan on using wire transfers be sure to check their fee schedule to see how much these will cost you. Also, per federal regulation D, accounts are limited to just 6 fee-free transactions per month.
  5. πŸ“Š Variable Rate Changes. Because these accounts come with variable rates, their yields can change at any time without notice. That being said, it’s a good idea to check the account’s rate change history. If the account you’re thinking of opening has frequent and/or large rate drops it could be a bait and switch rate promotion to grab new customers. Usually new account promotions tend to come with great yields, but they don’t last long. Macro-factors like the FED increasing or decreasing key rates may also contribute to rate changes, so be sure to distinguish if frequent rate changes are industry wide (likely due to macro factors) or just one or a handful of institutions and accounts.
  6. πŸ”’ FDIC Insurance. Make sure your funds are safe and secure with an FDIC-insured institution. The FDIC insures deposits up to $250,000 per individual, or $500,000 for joint accounts. Credit Unions are insured by the NCUA for the same applicable limits.

Online Banks and High Yields

Online banks generally operate with less overhead costs than traditional brick and mortar banks. This allows them to offer higher yields on deposit accounts.

Online banks also need a way to grab your attention and attract new customers. Since they don’t have any physical presence in local communities and neighborhoods, they attract users online with higher yields than their brick and mortar counterparts.

Choosing an FDIC insured online bank is a great, hassle-free way to earn higher than average yields while keeping your money safe and protected.

Best Online Savings Accounts for January, 2023

APYGUY’s top 24 high yield online savings accounts for January, 2023 are listed below.

  1. MySavingsDirect – 4.35% – $1,000 minimum deposit. New to the list in 2023.
  2. Popular Direct – 4.16% APY – $5,000 minimum deposit. New to the list in 2023.
  3. UFB Direct – 4.11% APY – $0 minimum deposit. New to the list in 2023.
  4. Fitness Bank – 4.10% APY – $100 minimum deposit. (up 0.50% APY since last update)
  5. Bask Bank – 4.03% APY – $0 minimum deposit. (up 0.98% APY since last update)
  6. Vio Bank – 4.01% APY – $100 minimum deposit. New to the list in 2023.
  7. First Foundation Bank – 4.00% APY – $1,000 minimum deposit. (up 0.90% APY since last update)
  8. CIT Bank – 3.85% APY – $200 minimum deposit ($100 into two accounts). Up 0.85% APY since last update.
  9. BrioDirect – 3.75% APY – $25 minimum deposit. (up 0.95% APY since last update)
  10. Citizens Access – 3.75% APY – $5,000 minimum deposit. (up 1.40% APY since last update)
  11. Synchrony Bank – 3.75% APY – $0 minimum deposit. (up 1.30% APY since last update)
  12. TAB Bank – 3.64% APY – $0 minimum deposit. (up 0.98% APY since last update)
  13. LendingClub – 3.60% APY – $2,500 minimum deposit. (up 0.75% APY since last update)
  14. Bread Savings formerly Comenity Direct – 3.50% APY – $0 minimum deposit. (up 0.60% APY since last update)
  15. Live Oak Bank – 3.50% APY – $0 minimum deposit. (up 1.20% APY since last update)
  16. Barclays – 3.40% APY – $0 minimum deposit. (up 1.00% APY since last update)
  17. Citibank – 3.40% APY – $0 minimum deposit. (up 1.20% APY since last update)
  18. Ally Bank – 3.30% APY – $0 minimum deposit. (up 1.05% APY since last update)
  19. American Express National Bank – 3.30% APY – $0 minimum deposit. (up 1.15% APY since last month)
  20. Discover Bank – 3.30% APY – $0 minimum deposit. (up 1.05% APY since last update)
  21. Marcus Bank – 3.30% APY – $0 minimum deposit. (up 0.95% APY since last update)
  22. SmartyPig – Up to 3.10% APY – $0 minimum deposit – $10k maximum. (up 0.60% APY since last update)
  23. Alliant Credit Union – 2.70% APY – $5 minimum deposit. (up 0.50% APY since last update)
  24. PenFed Credit Union – 2.30% APY – $5 minimum deposit. (up 0.60% APY since last update)
  25. Axos Bank – 0.61% APY – $250 minimum deposit. (unchanged from 0.61% APY)

MySavingsDirect – 4.35% APY

image credit: mysavingsdirect.com

MySavingsDirect is a division of Emigrant Bank which was founded in 1850. This account features the highest savings rate in the country at the moment and requires just $1,000 to open it.

πŸ”Ž Emigrant Bank at a Glance:

Year Founded:1850
Headquarters:New York, NY
Deposit Accounts Offered:CDs and high yield savings
Total Assets:$5.75b
Member FDIC:Yes
Max Deposit Allowance:$250,000

Popular Direct – 4.16% APY

image credit: populardirect.com

Popular Direct’s High Rise Savings account is another new account added to our list in 2023. The account comes with a minimum deposit requirement of $5,000 and has online banking tools to manage your account on the web or your mobile phone through IOS and Android Apps.

πŸ”Ž Popular Direct at a Glance:

Year Founded:2016
Headquarters:Miami Lakes, FL
Deposit Accounts Offered:CDs and high yield savings
Total Assets:$75b
Member FDIC:Yes
Max Deposit Allowance:$250,000

UFB Direct – 4.11% APY

image credit: ufbdirect.com

UFB Direct offers two variable-rate accounts that feature the same yield of 4.11% APY currently. These are the “Best Savings” account and the “Best Money Market” account. The Best Savings account comes with a complimentary debit card and no minimum deposit requirement whereas the Best Money Market account does not come with a debit card and requires a minimum $5,000 daily balance to avoid a $10/month service fee.

UFB Direct is a division of Axos Bank.

πŸ”Ž Axos Bank at a Glance:

Year Founded:1999
Headquarters:Las Vegas, NV
Deposit Accounts Offered:Checking, Savings and CDs
Total Assets:~14.4 billion
Member FDIC:Yes
Max Deposit Allowance:Not listed

Fitness Bank – Up to 4.10% APY

image credit: fitnessbank.fit

Fitness Bank is perhaps the most unique and novel, FDIC-insured bank on the list. As you may have guessed, Fitness Bank is all about incentivizing exercise and movement. And in fact, their yields are tiered precisely based on how much movement you do.

For this they use daily steps to determine your APY. The tiers are as follows:

Daily StepsAPY
0-4,9990.50%
5,000-7,4990.75%
7,500-9,9991.00%
10,000-12,4992.10%
12,500 +4.10%

Fitness Bank is a division of Affinity Bank.

Bask Bank – 4.03% APY

image credit: baskbank.com

Bask Bank, an offshoot of Texas Capital Bank, originally came on the scene in partnership with American Airlines and the AAdvnatage program. With that account every dollar saved with Bask Bank turns into an American Airlines AAdvantage mile earned annually.

However, the account that comes in near the top of this list is one Bask Bank just launched in February of this year and that is their high interest savings account.

All funds are FDIC insured through Texas Capital Bank. You can learn more in our review here.

πŸ”Ž Texas Capital Bank at a Glance:

Year Founded:1998
Headquarters:Dallas, TX
Deposit Accounts Offered:high yield savings through BASK Bank
Total Assets:~$40 billion
Member FDIC:Yes
Max Deposit Allowance:$100,000 per month

Vio Bank – 4.01% APY

image credit: viobank.com

Vio Bank is the online division of MidFirst Bank, which is the largest publicly held bank with FDIC insurance in the U.S. today.

Vio Bank offers standard term CDs and a high yield savings account and the Cornerstone Money Market account.

Their Cornerstone money market account has a minimum deposit requirement of just $100 and no monthly maintenance fees.

Interest is compounded daily and credited monthly.

πŸ”Ž Vio Bank at a Glance:

Year Founded:2018
Headquarters:Oklahoma City, OK
Deposit Accounts Offered:CDs and high yield savings account
Total Assets:MidFirst Bank $24b
Member FDIC:Yes
Max Deposit Allowance:$250,000

First Foundation Bank – 4.00% APY

image credit: firstfoundationinc.com

First Foundation Bank is a hybrid brick and mortar / online bank. They are based out of Irvine, California and have just 19 branches and 7 advisor offices in California, Nevada and Hawaii.

All of their personal deposit accounts can be opened and managed online and if you opt for a checking account as well, you’ll get foreign ATM reimbursements up to $20 per transaction credited back to your account. So no need to worry if you live outside those three states.

Their online savings account has a minimum deposit requirement of $1,000.

Interest is compounded daily and credited monthly.

πŸ”Ž First Foundation Bank at a Glance:

Year Founded:1990
Headquarters:Irvine, CA
Deposit Accounts Offered:CDs and high yield savings
Total Assets:$7b in bank assets, $4.9b in advisory AUM
Member FDIC:Yes
Max Deposit Allowance:$3 million

CIT Bank – 3.85% APY

image credit cit.com

CIT Bank currently offers three variable rate deposit accounts. The Savings Builder, Savings Connect and a money market account. The Savings Builder account is the product that offers the most competitive APY of 3.85%. The other accounts are currently less competitive in terms of APY.

To open a CIT Bank Savings Builder account, you must actually open two accounts – an eChecking account and the Savings Builder. Both require a minimum deposit of $100.

Like many banks, CIT Bank has gone through a number of acquisitions and re-brands throughout their 100+ year history. CIT Bank is currently the online brand of CIT Group which is a subsidiary of First Citizens BancShares.

πŸ”Ž First Citizens BancShares at a Glance:

Year Founded:1898
Headquarters:Raleigh, NC
Deposit Accounts Offered:online savings, CDs, checking, mortgage
Total Assets:~$37 billion
Member FDIC:Yes
Max Deposit Allowance:$250,000 per depositor

BrioDirect – 3.75% APY

image credit: briodirectbanking.com

BrioDirect is the online brand of Webster Bank which was founded in 1935. They are a 100 percent digital bank, but they have mobile apps for both Android and IOS phones as well as their online portal for transferring and managing funds.

Their online savings account can be opened with just $25. There are no maintenance fees and your funds are FDIC-insured by Webster Bank.

πŸ”Ž Webster Bank at a Glance:

Year Founded:1935
Headquarters:Stamford, CT
Deposit Accounts Offered:online savings and CDs through BrioDirect
Total Assets:$24+ billion
Member FDIC:Yes
Max Deposit Allowance:$250,000 per depositor

Citizens Access – 3.75% APY

image credit: citizensaccess.com

Citizens Access is the online brand of Citizens Bank which traces its roots back to 1828 in Providence, Rhode Island.

Citizens Access is a fairly straightforward online bank that only offers six deposit accounts. This online savings accounts and then 5 regular term CDs of 1 to 5 years.

The account comes with no mobile apps or mobile check deposit.

πŸ”Ž Citizens Bank at a Glance:

Year Founded:1828
Headquarters:Providence, RI
Deposit Accounts Offered:online savings and CDs via Citizens Access
Total Assets:$160 billion
Member FDIC:Yes
Max Deposit Allowance:$250,000 per depositor

Synchrony Bank – 3.75% APY

image credit: synchronybank.com

Synchrony Bank is a large publicly traded financial institution on the NYSE with over 16,000 employees and nearly $15 billion in revenue (per 2018 financials).

Although they were technically founded in 2003, they actually trace their roots back to 1932 when GE Capital Retail Bank began to help people finance GE appliances during the great depression. GE Capital Retail Bank was later spun off from its parent company and later filed with the SEC as Synchrony Financial.

There are no minimum deposit or balance requirements to earn the advertised APY.

Interest is compounded daily and credited monthly.

πŸ”Ž Synchrony Bank at a Glance:

Year Founded:2003
Headquarters:Stamford, CT
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$107b
Member FDIC:Yes
Max Deposit Allowance:$3 million

Their high yield online savings account has a minimum deposit requirement of $100.

Interest is compounded and credited monthly.

TAB Bank – 3.64% APY

image credit: tabbank.com

TAB Bank, or Transportation Alliance Bank, claims to be the first online bank for truckers and is headquartered in Ogden, Utah.

Their online savings account has no minimum deposit or daily balance requirements to earn the advertised APY.

There is no debit card or ATM access associated with TAB Bank’s online savings account.

Interest is compounded daily and credited monthly.

πŸ”Ž TAB Bank at a Glance:

Year Founded:1998
Headquarters:Ogden, Utah
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:~$904 million
Member FDIC:Yes
Max Deposit Allowance:None

LendingClub – 3.60% APY

image credit: banking.lendingclub.com

LendingClub was the first peer-to-peer lending platform registered with the SEC and at its height was also the worlds largest in terms of members and loans originated. It claimed almost $16 billion in loans originated through their platform from 2006 -2015.

Since then, LendingClub has moved on to offer more traditional personal banking accounts and now offers a number of deposit accounts all with FDIC insurance.

Their high yield savings account comes with an APY of 3.60% and a minimum deposit requirement of $2,500. All balances under $2,500 only earn 0.05% APY.

πŸ”Ž LendingClub at a Glance:

Year Founded:2006
Headquarters:San Francisco, CA
Deposit Accounts Offered:CDs, checking and high yield savings
Total Assets:~$4.6 billion
Member FDIC:Yes
Max Deposit Allowance:$250,000

Bread Savings – 3.50% APY

image credit: savings.breadfinancial.com

Comenity Direct is now Bread Savings by Bread Financial as of April 25, 2022.

Comenity Direct launched in just 2018. They had been offering highly competitive, FDIC-insured, deposit accounts prior to becoming Bread Savings.

The Bread Savings account has a minimum deposit requirement of $100 and a maximum limit of $1 million per account and $10 million limit per customer.

There is no debit card or ATM access associated with Bread Savings.

Interest is compounded daily and credited monthly.

πŸ”Ž Bread Financial at a Glance:

Year Founded:1983
Headquarters:Columbus, OH
Deposit Accounts Offered:CDs and high yield savings
Total Assets:~$22.5 billion
Member FDIC:Yes
Max Deposit Allowance:$10 million

Live Oak Bank – 3.50% APY

image credit: liveoakbank.com

Live Oak Bank was founded in 2008 and initially just focused on small business loans in niche industries like dentistry.

Today the bank still lends to small businesses in specialized industries in all 50 states, but also has a number of personal deposit accounts available to consumers with respectable yields.

A Live Oak Bank personal savings account can be opened with just $1,000. You can also open and manage the account through their IOS or Android apps.

πŸ”Ž Live Oak Bank at a Glance:

Year Founded:2008
Headquarters:Wilmington, NC
Deposit Accounts Offered:Savings and CDs
Total Assets:~$6.94 billion
Member FDIC:Yes
Max Deposit Allowance:$250,000

Barclays – 3.40% APY

This image has an empty alt attribute; its file name is Barclays-CD-rates.png
barclaysus.com

The British multinational investment Barclays needs little introduction with its 300+ year history dating back to 1690. Their online, US-based operation however is centuries newer and based in Wilmington Delaware.

The Barclays online savings account has no minimum deposit or balance requirements to earn the advertised APY.

Interest is compounded daily and credited monthly.

πŸ”Ž Barclays US at a Glance:

Year Founded:2012
Headquarters:Wilmington, DE
Deposit Accounts Offered:CDs and online savings account
Total Assets:$51b
Member FDIC:Yes
Max Deposit Allowance:$250,000

Citibank – 3.40% APY

image credit: citibank.com

The Citi Accelerate High Yield Savings account is a popular online product that is consistently in contention for the highest yield on the market.

That said, you’ll have to open this account with a checking account in their Citi Elevate Account package to avoid a $4.50 monthly service fee.

The Citi Accelerate High Yield Savings account has no minimum deposit or daily balance requirements to earn the advertised APY.

Interest is compounded daily and credited monthly.

πŸ”Ž Citibank at a Glance:

Year Founded:1812
Headquarters:New York City, NY
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$198b
Member FDIC:Yes
Max Deposit Allowance:$250,000

Ally Bank – 3.30% APY

image credit: ally.com

Ally Bank, a well known online bank, is the rebrand of GMAC that took place in the aftermath of the 2008 financial collapse. GMAC was the financial arm of GM (General Motors) originally founded to provide financing to automobile customers.

Ally Bank offers exceptionally high yields on all of their deposit products. Their variable rate online savings account and money market account as well as their fixed rate CDs come with APYs that handily beat the national average and regularly place among the top of the pack.

Their online savings account has no minimum deposit or daily balance requirements to earn the advertised APY.

Interest is compounded daily and credited monthly.

πŸ”Ž Ally Bank at a Glance:

Year Founded:1919
Headquarters:Detroit, MI
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$180b
Member FDIC:Yes
Max Deposit Allowance:$250,000

American Express National Bank – 3.30% APY

image credit: americanexpress.com

American Express is primarily known for credit cards, but American Express National Bank has some noteworthy yields on their fixed and variable rate accounts.

American Express National Bank is an online subsidiary of the well known brand. If you happen to have a credit card(s) with them AND are looking to open a savings account or CD, please note these will be done with separate accounts and are not connected in any way.

Their online savings account has no minimum deposit or daily balance requirements to earn the advertised APY.

Interest is compounded daily and credited monthly.

πŸ”Ž American Express National Bank at a Glance:

Year Founded:1989
Headquarters:Salt Lake City – Ogden, UT
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$139b
Member FDIC:Yes
Max Deposit Allowance:$250,000

Discover Bank – 3.30% APY

image credit: discover.com

You may know of Discover as a credit card issuer as its the third largest in the country, however, Discover Bank has been offering competitive, online, FDIC-insured deposit accounts for quite some time.

Their online savings account comes with no minimum deposit or monthly balance requirements.

Interest is compounded daily and credited monthly.

πŸ”Ž Discover Bank at a Glance:

Year Founded:1985
Headquarters:Riverwoods, IL
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$93b
Member FDIC:Yes
Max Deposit Allowance:$250,000

Marcus by Goldman Sachs – 3.30% APY

image credit: marcus.com

Marcus by Goldman Sachs is a subsidiary of the well known multinational investment bank. It’s an online, direct bank that began operation in 2016.

The name Marcus comes from Marcus Goldman, one of the two founders of the institution, who was a German banker, financier and businessman.

Their online savings account has no minimum deposit or daily balance requirements to earn the advertised APY.

They also advertise same day transfers from and to other banks up to $100k per day.

Interest is compounded daily and credited monthly.

πŸ”Ž Marcus by Goldman Sachs at a Glance:

Year Founded:2016
Headquarters:Draper, Utah
Deposit Accounts Offered:CDs and high yield savings
Total Assets:$196b
Member FDIC:Yes
Max Deposit Allowance:$250,000

SmartyPig – Up to 3.10% APY

image credit: smartypig.com

SmartyPig is an offshoot of Sallie Mae and the account is designed to help consumers save for specific goals. The account allows you to set up goal trackers and makes it easy to monitor progress along the way.

It’s free to join, comes with a $10 referral bonus for signing up a friend or family member and pays high yields based on balance tiers. The tiers are as follows:

BalanceAPY
$0.01 – $2,5001.10%
$2,500 – $10k1.10%
$10,000.01 – $50k1.10%
$50,000.01+1.10%

SmartyPig is FDIC-insured by Sallie Mae Bank.

πŸ”Ž Sallie Mae at a Glance:

Year Founded:1972
Headquarters:Newark, DE
Deposit Accounts Offered:CDs and high yield savings
Total Assets:~$30.7 billion
Member FDIC:Yes
Max Deposit Allowance:$250,000

Alliant Credit Union – 2.70% APY

image credit: alliantcreditunion.org

Alliant Credit Union was originally founded as the United Airlines Employees’ Credit Union in 1935 with just $5,000 in assets. Today, they have 500,000 members in all 50 states and $12 billion in assets.

Most of their members are in the Chicago, Illinois area, but anyone in the country can join even if not connected to the area or anyone currently banking there. You’ll have to become a member of their designated charitable organization Foster Care 2 Success (FC2S). You can learn more here.

You will have to keep an average daily balance of $100 to earn the advertised APY.

Interest is compounded and credited monthly.

πŸ”Ž Alliant Credit Union at a Glance:

Year Founded:1935
Headquarters:Chicago, IL
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$12b
Member FDIC:NCUA, yes.
Max Deposit Allowance:$250,000

PenFed – 2.30% APY

image credit: penfed.org

PenFed Credit Union (Pentagon Federal Credit Union) was founded in 1935 and today stands as one of the most stable credit unions in the country with over 2.1 million members in all 50 states plus D.C., Guam, Puerto Rico, and Okinawa.

Although they used to be more exclusive, today anyone in the country can join PenFed by funding a share savings account with a minimum of $5.00. The share savings account is a different account than the one highlighted on this list. You can learn about the differences here.

πŸ”Ž PenFed at a Glance:

Year Founded:1935
Headquarters:Tysons, VA
Deposit Accounts Offered:IRA, CDs, money market, checking and savings
Total Assets:$25b
Member FDIC:NCUA, yes.
Max Deposit Allowance:$250,000

Axos Bank – 0.61% APY

image credit: axosbank.com

Axos Bank, once known as Bank of the Internet, is a direct bank with three locations in San Diego, CA, Las Vegas, NV, and Columbus, Ohio.

Their high yield savings account can be opened with just $250 and has no monthly balance requirements moving forward.

Axos also offers a number of digital money management tools and even a free ATM card upon request.

πŸ”Ž Axos Bank at a Glance:

Year Founded:1999
Headquarters:Las Vegas, NV
Deposit Accounts Offered:Checking, Savings and CDs
Total Assets:~14.4 billion
Member FDIC:Yes
Max Deposit Allowance:Not listed

Methodology

The APYGUY editorial team conducts research every month on the highest yielding online savings accounts on the market. Our rate tracking system monitors hundreds of bank and credit unions’ rate pages from around the country so that our team knows in near real-time when rates have been changed by the institutions we monitor.

Beyond rate and APY changes, we also take into consideration:

  • Year the institution was founded
  • Total assets held
  • Minimum deposit requirements
  • Average consumer ratings from sources like the BBB (Better Business Bureau)
  • FDIC or NCUA insured

High Yield Savings Accounts FAQs

Still not sure if a high yield savings account is right for you in 2023? Continue reading some of the most frequently asked questions consumers have regarding high yield savings accounts below.

How Much Interest Can You Earn on $10,000 Currently?

The higher the APY you receive, the faster your money will grow over time. Unfortunately savings rates on average sit at a paltry 0.30% APY nationwide (according to FDIC data) – which would only earn you $30.00 over the course of a year on $10,000 in savings.

That said, with some of the highest yielding online savings accounts mentioned above it’s quite possible to earn 10x the national average of 3.00% APY or more.

With a high yield online savings account like the ones listed above, a savings deposit of $10,000 would earn a much better yield of $300.00 annually.

What are some Alternatives to High Yield Savings Accounts?

If you’re not sold on any of the best high yield online savings accounts on the market, you have a few options that are similar in nature but differ in a few key areas.

Some alternative products you might want to consider are:

  1. Cash Management Accounts.
  2. Rewards Checking Accounts.
  3. Money Market Accounts.
  4. Series I Savings Bonds.

You can find accounts in all three categories listed above with FDIC (or NCUA) insurance. In fact, cash management accounts can generally provide more FDIC coverage than the typical $250,000 by leveraging the FDIC insurance of multiple partner banks. We’ll discuss this more below.

Cash Management Accounts VS High Yield Savings

Cash management accounts generally combine the features of checking, savings and wealth management accounts all under one roof. The companies that offer these are generally considered Fintech companies and are not banking institutions themselves. That being said, they typically partner with credible banks so that your cash balance can use the 3rd party bank’s FDIC insurance.

For example, the Affirm Savings Account offers an APY of 3.25% currently and partners with Cross River Bank, member FDIC, so that your deposits are safe and secure up to the applicable limits.

Noteworthy Cash Management Accounts and APYs

Below are the top 5 yields we’ve found for cash management accounts and the banks backing them.

AccountPartner Bank(s)APY
Aspiration14 partners3.0% – 5.0%
SoFi6 partners3.50%
AffirmCross River Bank3.25%
RobinhoodGoldman Sachs, HSBC, more1.50% – 4.0%
WealthfrontCitibank, Cross River, more3.80%
APY = Annual Percentage Yield

Rewards Checking Accounts VS High Yield Savings

These FDIC and NCUA-insured accounts can offer better yields than high yield online savings accounts, however there is typically a catch.

First, they are most frequently offered through credit unions which may have their own eligibility restrictions to join.

Second, rewards provided on these accounts are usually in the form of APY on your balance, but can also be in the form of cash back. When it’s an APY on your balance, it will likely be paid in tiers with a cap on how much you can earn.

For example, with Consumers Credit Union’s Rewards Checking account you can earn up to 4.09% APY on the first $10,000 if you meet the qualifying requirements. But if you want to deposit more than $10,000 you’ll earn significantly less. On balances between $10k – $20k you’ll earn just 0.20% APY and on balances of $20k or more, just 0.10% APY.

Third, the accounts will almost always require you to make a certain number of transactions with the account’s debit card every statement cycle to earn the advertised APY and/or cash back.

Lastly, in some cases these accounts will also require you to set up a recurring monthly direct deposit(s), sign up for eStatements or other qualifying actions to earn the advertised APY.

Noteworthy Rewards Checking Accounts

Below are the top 5 yields we’ve found for rewards checking accounts and the banks and credit unions offering them.

InstitutionRequirements to Earn APYAPY
Consumers Credit Union12 debit card transactions + more3.0% – 5.0%
T-Mobile MONEY$200/mo in deposits + more.1.50% – 4.0%
Lake Michigan Credit Union10 debit card transactions + more3.0%
Mecu Credit Union12 debit card transactions + more3.0%
Varo Money 5 debit card transactions + more2.0% – 5.0%
APY = Annual Percentage Yield

Money Market Accounts VS High Yield Savings

Money market accounts like online savings accounts are federally-insured, variable rate deposit accounts that feature better than average savings rates.

Money market accounts generally provide better yields on higher sums of money whereas online savings accounts tend to come with high yields on all sums starting at $0.01.

Money market accounts function more like a checking account and provide easier access to cash. They usually come with checking writing capabilities and some even come with debit cards.

Online savings accounts, on the other hand, rarely come with debit cards and/or check writing capabilities and tend to require you to transfer money to a checking account for access.

Series I Savings Bond vs High Yield Savings

Series I Savings Bonds are issued by the US Treasury directly to consumers. These bonds are designed to hedge against rising inflation rates and tend to hold similar yields to current inflation levels. Consumers can open these, but can only deposit $10,000 per social security number.

Today, the current yield is 6.89% and is good through April, 30th 2023. To purchase this bond electronically, you’ll need to go to treasurydirect.gov. You can also read more about them in our overview here.

Filed Under: Savings Accounts

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The Big Banks

  • Bank of America CD Rates
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Noteworthy Credit Unions

  • Navy Federal Credit Union CDs and Savings
  • Patelco Credit Union CDs and Savings
  • PenFed CDs and Savings
  • Connexus Credit Union CDs and Money Market

Brokered CDs

  • Edwards Jones
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Alternatives

  • 12 Alternatives to CDs and Savings Accounts

Real Estate Investment Platforms

  • Yieldstreet - Avg 10.61% Returns

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