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November 2024- Ivy Bank is ending Indexed Savings, transitioning that to High Yield Savings account. PSA.

334 54 October 24, 2024 at 12:38 PM
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Was fun while it lasted.

From recent email

At Ivy Bank, we continually review our account offerings to better serve your needs. As a result, on 11/25/2024, we are discontinuing our Indexed Savings account and will automatically transition your account to a High-Yield Savings account.

Here's what you need to know:
Continue to Earn a Competitive Return – Our High-Yield Savings account offers a competitive rate that is currently 10x the national savings average¹.
No Change to Your Account Number – Your account number will stay the same.
No Impact on Recurring Transfers – All recurring deposits and withdrawals will continue as scheduled, without interruption.
Two Interest Payments in November – You'll receive two interest payments: one posted for interest earned up to the day of the transition and another posted at the end of the month for interest earned in your High-Yield Savings account.
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Joined Sep 2010
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misel00
10-24-2024 at 08:50 PM.
10-24-2024 at 08:50 PM.
No big lose as the rate is now going to be around 4.75% or less going forward as the 1 month treasury it's based from has plummeted. It's going to be about 5.05% for November. It was good while that account lasted , that's for sure as there were some months were the apy was 5.68%!! Also, I like CFG which has been good past 2 years they are now at 5.00% were at 5..25% for a long time.. Not sure how long Ivy will keep 5% on the savings thou...
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Joined May 2013
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Original Poster
fw10001
10-28-2024 at 08:16 AM.
10-28-2024 at 08:16 AM.
Quote from misel00 :
No big lose as the rate is now going to be around 4.75% or less going forward as the 1 month treasury it's based from has plummeted. It's going to be about 5.05% for November. It was good while that account lasted , that's for sure as there were some months were the apy was 5.68%!! Also, I like CFG which has been good past 2 years they are now at 5.00% were at 5..25% for a long time.. Not sure how long Ivy will keep 5% on the savings thou...
Thanks @misel00.
Since these HYSA rates tend to be at the whim of the issuing bank, I personally prefer No-Penalty CDs (such as at Ally Bank, for their no penalty anytime withdrawals after the first 6 days); or go with Add-On CDs (start small, add more money if worthwhile later; e.g. with Agfed Credit Union- albeit their rates are too low as of Oct 2024).

I can't seem to find a site that shows UPDATED info on best NoPenalty CD rates.
If you have any bookmarked, please feel free to share :-)
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Joined Sep 2010
L8: Grand Teacher
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misel00
11-02-2024 at 02:34 AM.
11-02-2024 at 02:34 AM.
Quote from fw10001 :
Thanks @misel00.
Since these HYSA rates tend to be at the whim of the issuing bank, I personally prefer No-Penalty CDs (such as at Ally Bank, for their no penalty anytime withdrawals after the first 6 days); or go with Add-On CDs (start small, add more money if worthwhile later; e.g. with Agfed Credit Union- albeit their rates are too low as of Oct 2024).

I can't seem to find a site that shows UPDATED info on best NoPenalty CD rates.
If you have any bookmarked, please feel free to share :-)
I use this deposit substack, it's really good as he keeps it up to date.. quick and easy to find info on rates.. here is the link has all cd, Hysa, etc

https://depositquest.substack.com/
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