- MySavingsDirect (Emigrant Bank) [mysavingsdirect.com] - 4.35%
- Merchants Bank of Indiana [merchantsbankofindiana.com] - 4.34%
- Bask Bank [baskbank.com] - 4.25%
- UFB Direct [ufbdirect.com] - 4.21%
- Upgrade Premier [upgrade.com] - 4.13%
- Salem Five Direct [salemfivedirect.com] - 4.10%
- Capital One 360 Savings [capitalone.com] - 3.4%
- Robinhood Gold [robinhood.com] - 3.75% w/ $5/mo membership (Can't verify)
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The point I'm making is, if the Fed meets expectations (currently 50bps-50bps-25bps-pause) over the next 4 meetings, the rates will theoretically stay where they are.
To use a real-world example, it's the same reason why mortgage rates have been rising gradually and why they didn't suddenly rise 75bps yesterday or today upon the Fed hike announcement. It's because it was already priced in.
Edit: Note, I'm leaving quite a bit of nuance and detail out of this and am not picking on you in particular. I just see quite a bit of misunderstanding about how consumer interest rate products react to Fed overnight rate hikes and when.
Source: Work in finance
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Even if your house depreciates due to rising rates.. someone else is buying it for you so it doesn't matter.
Btw, your take on getting another loan/house?
Capital one said no to me, though I never had their sav. Missed the Discover $450 for $35k as I jumped too fast on their $150 for $10k
Discover paid FAST on their bonus only took 2 weeks
3.82% money market
Btw, your take on getting another loan/house?
Just refi later when rates drop and house should appreciate when rates drop.
I'm in Seattle.. and we are definitely in a recession city with Jerome bombing the tech industry so I'll take the time to comb through good properties here.
Just refi later when rates drop and house should appreciate when rates drop.
I'm in Seattle.. and we are definitely in a recession city with Jerome bombing the tech industry so I'll take the time to comb through good properties here.
Just refi later when rates drop and house should appreciate when rates drop.
I'm in Seattle.. and we are definitely in a recession city with Jerome bombing the tech industry so I'll take the time to comb through good properties here.
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https://www.dollarsavin
Also has 3.5% interest rate
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