- 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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351 Comments
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2. Click on "News&Research" tab
3. In the drop down menu, select "Fixed Income, Bonds...."
4. Click on "New Issues"
5. Click on "Treasury"
6. Choose one of the "United States Treas Bills Zero CPN"
Best,
Sean
I'm wondering if Capital 1 will adjust up anytime soon? If you sign up now I assume if they go up they will apply to existing accounts? The $1,000 bonus is nice and it's a big bank with good ratings.
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I made a choice to go with Wealthfront, $30 bonus to start, and 3.3% interest
It is a cash settlement account, that pays interest, but gives most of what a bank checking account does.
I get a debit card, I can send checks, and have no limits on how many transactions per month
and its insured by the Fed
and if you choose, you can buy bonds or stock as well
I made a choice to go with Wealthfront, $30 bonus to start, and 3.3% interest
It is a cash settlement account, that pays interest, but gives most of what a bank checking account does.
I get a debit card, I can send checks, and have no limits on how many transactions per month
and its insured by the Fed
and if you choose, you can buy bonds or stock as well
Sign up for a Slickdeals account to remove this ad.
Join The Conversation
Share your experience with the Slickdeals community
Share information with the community. Please follow our Community Guidelines and be kind!