What U.S Bank has the highest savings rate ?
 

For those who keep money in the bank what bank are you keeping it in and whats your Savings rate/moneymarket/cd etc. has to be liquid tho....

I keep most of my cash in my ING account at 4.20 APY. No fees. My local credit union only offers 1.10 APY. Still better then most banks though...

Emigrant is currently 4.75%.

Chase will do 4.25% on combined holdings over $75k in checking and savings via a relationship account (totally liquid).

im getting 4.75 from wamu with no minimum balance

CAPITAL ONE, whats in your wallet?

HTH - http://www.fatwallet.com/t/52/437553/ I use Countrywide @ 5.30%

nice i totally forgot to check FW .. i wouldnt trust countrywide with all the investigations and all their losses even though its FDIC who knows...

that's a nice rate

Etrade is at 5% with no fees what so ever

I'm using ING which is 4.2% and HSBC which is 4.5%. Some of the other offers up there are tempting, but I just don't trust those banks.

They've had a lot of financial problems lately. Stock fell over 50% the past few days and a lot of talk of them filing bankruptcy.

etrade was 5.05 last I checked but I pulled my money from them with the recent problems

LOL thats exactly why i made this thread.... I pulled all my money from etrade not taking any chances...:warning

It's insured up to 100k, but yea, probably not worth the drama if it ends up going under....

Anyone paying more than the Fed Rate (4.5%) is higher risk than treasuries.

http://www.newyorkfed.org/markets/om...dfundsdata.cfm

my use the ing orange account 4.8% right now.

I've got exactly the same setup...for the same reason.

:thumbsup

The rate you get depends on the lock-in period.

On a 90-day you *cannot* get more than the Fed Rate *UNLESS* they are putting your money in non goverment paper or longer term government bonds (thus more risk). Check with your bank and see what exactly they are putting your money in for that 4.5% and for what lock-in period.

I'm in E-trade w/ a 4.7% interest rate, one of the highest Ive seen without it being locked in a CD.

I checked it out recently and WAMU was the best.

Bump for a good thread.:2 cents:

Some of the Credit Unions have a high rate. Mine in Florida for instance has .525 right now. They also did more than 5.48 billion last year, so I feel the money is safe.

For those of you that are BIG earners. ( all three of you ) You can negotiate a little on the interest rate with the credit unions, if you deposit more than x dollars with them. In my credit union, if you have more than about 400k in you accounts, they will give you an extra half % and above 1 mil they give an extra 3/4% The rest you have to talk with he board about but im sure they would go higher

You guys are being ripped off. You should switch your funds into GBP (UK Pound £) which is getting stronger and stronger against the dollar by the day and earn around 6.5% AER from the top UK banks.