Nice APYs

BMW! · 07-28-2008, 10:29 AM

Trying to get a new bank account here with nice APRs, heres one I found but sounds too good to be true..
http://www.ingdirect.com/osa_google/

GreenThree · 07-28-2008, 11:20 AM

Do it. Its a great account for short term savings. I have had one for 3-4 years. No minimums, no fees, etc. although the rate 5 months ago was 4.75

You may be able to find other high yield savings accounts with higher yields, but I doubt they will have the overall flexibility. ING Savings Account FTW!

Icedog_16 · 07-28-2008, 11:23 AM

This is what I have: http://www.capitalone.com/directbank...Seq6zV3KWXmClF

BMW! · 07-28-2008, 03:27 PM

Cool! short term is what I am looking for right now.... Since I dont have a lot of $ to put into saving. My MaMu was offering 3.5% (1st 6mo then 3.somthing after 6th mo) savings.

sinnet112 · 07-28-2008, 07:30 PM

HSBC has one for 3.75, similar account. E-trade, which is what I have, is at 3.30 but changes fairly frequently. Crazy how in November the rate was 5.50% but still, these are all very good.

stooken · 07-28-2008, 07:55 PM

WAMU online savings 3.30% no minimum balance. open it online but do all your banking inside the branch.

BMW! · 07-28-2008, 10:22 PM

Quote:

Originally Posted by stooken

WAMU online savings 3.30% no minimum balance. open it online but do all your banking inside the branch.

The WAMU account you mentioned (online saving) has 1st 3 months of 3.5% APY then becomes 3.3% after right? I was deciding on that one and the Orange saving by ING.

sinnet112 · 07-28-2008, 10:26 PM

HSBC 3.5% -
http://www.hsbcdirect.com/1/2/1/mkt/...BUS_P130000044

E-Trade 3.3% -
https://us.etrade.com/e/t/jumppage/v...654DCA00830B12

No 1st 6 months this, after 6 months that deal going with these, all consistent rates, but any Fed decision may alter that for better or worse.

stooken · 07-29-2008, 12:45 AM

Quote:

Originally Posted by BMW!

The WAMU account you mentioned (online saving) has 1st 3 months of 3.5% APY then becomes 3.3% after right? I was deciding on that one and the Orange saving by ING.

nope. well i opened mine a few months ago. it was just 3.3% all across the board. you have to open the online checking as well. i just put $5 in there and never touched it.

i'd rather do this than wait a few days for HSBC or ING to transfer money to me when it's an emergency.

GreenThree · 07-29-2008, 07:51 AM

Where the prime rate is now, all HYSA yields will be low. They will come back though.

BMW! · 07-29-2008, 08:53 AM

Setting up HSBC now

BMW! · 07-29-2008, 09:11 AM

stucked

What does the box that I checked mean? That I am paying tax? how about the sentence highlighted in red?

Icedog_16 · 07-29-2008, 09:14 AM

It basically says that you've previously been nailed for failure to report interest income and are being required by the IRS to have the bank withhold taxes for you, as opposed to having to pay them at tax time.

BMW! · 07-29-2008, 09:22 AM

Quote:

Originally Posted by Icedog_16

It basically says that you've previously been nailed for failure to report interest income and are being required by the IRS to have the bank withhold taxes for you, as opposed to having to pay them at tax time.

man I should pick #2 lol

cas · 07-29-2008, 11:54 AM

http://www.fatwallet.com/forums/finance/783099/

BMW! · 07-29-2008, 01:11 PM

Quote:

Originally Posted by cas

http://www.fatwallet.com/forums/finance/783099/

damn why cant youpost this earlier?

cas · 07-29-2008, 01:51 PM

Quote:

Originally Posted by BMW!

damn why cant youpost this earlier?

just got around to it now. you can always reverse whatever you did

iatacs19 · 07-29-2008, 01:53 PM

opened account with the Capital One Costco savings, 3.75% APY if you have $10k or more.

cas · 07-29-2008, 01:55 PM

Quote:

Originally Posted by iatacs19

opened account with the Capital One Costco savings, 3.75% APY if you have $10k or more.

post your costco number for me

Thanks

GreenThree · 07-29-2008, 01:56 PM

That looks like a great resource, but the post date for that data was Nov 2007. Rates have changed, therefore, the data is not current

cas · 07-29-2008, 01:59 PM

Quote:

Originally Posted by GreenThree

That looks like a great resource, but the post date for that data was Nov 2007. Rates have changed, therefore, the data is not current

its updated though. in the post there should be an update date

Message edited by: mhesidence on 2008-07-29 13:13:23 CDT

iatacs19 · 07-29-2008, 02:05 PM

Quote:

Originally Posted by cas

post your costco number for me

Thanks

666fuckyou666

07-28-2008, 10:29 AM	#1
BMW! Captain 66 Rep 653 Posts Drives: e92 Join Date: May 2008 Location: NY iTrader: (0)	Nice APYs Trying to get a new bank account here with nice APRs, heres one I found but sounds too good to be true.. http://www.ingdirect.com/osa_google/
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07-28-2008, 11:20 AM	#2
GreenThree Colonel 210 Rep 2,110 Posts Drives: 2011 e90 Join Date: Mar 2008 Location: Boston, MA iTrader: (0)	Do it. Its a great account for short term savings. I have had one for 3-4 years. No minimums, no fees, etc. although the rate 5 months ago was 4.75 You may be able to find other high yield savings accounts with higher yields, but I doubt they will have the overall flexibility. ING Savings Account FTW! __________________ 2015 335xi \| Mineral Grey Metallic \| Black Dakota Leather \| NAV \| SportLine \| ZPP \| ZDA \| ZCW \| Munich Build Retired: 2008, 2011, 2013 328xi
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07-28-2008, 11:23 AM	#3
Icedog_16 No Member 8 Rep 428 Posts Drives: 2011 E92 335is Join Date: Feb 2008 Location: Tampa, FL iTrader: (1)	This is what I have: http://www.capitalone.com/directbank...Seq6zV3KWXmClF
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07-28-2008, 03:27 PM	#4
BMW! Captain 66 Rep 653 Posts Drives: e92 Join Date: May 2008 Location: NY iTrader: (0)	Cool! short term is what I am looking for right now.... Since I dont have a lot of $ to put into saving. My MaMu was offering 3.5% (1st 6mo then 3.somthing after 6th mo) savings.
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07-28-2008, 07:30 PM	#5
sinnet112 Major 30 Rep 1,118 Posts Drives: 2009 E89 Z4 Join Date: Dec 2006 Location: NJ iTrader: (1) Garage List 2007 335i Coupe [0.00] 2007 328xi Sedan [0.00]	HSBC has one for 3.75, similar account. E-trade, which is what I have, is at 3.30 but changes fairly frequently. Crazy how in November the rate was 5.50% but still, these are all very good. __________________ Z4 sdrive30i \| Deep Sea Blue \| Ivory White Nappa Extended Leather \| ZSP
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07-28-2008, 07:55 PM	#6
stooken Brigadier General 184 Rep 4,244 Posts Drives: E70 X5 Join Date: Apr 2007 Location: NOR*CAL iTrader: (2)	WAMU online savings 3.30% no minimum balance. open it online but do all your banking inside the branch. __________________ 2010 E92 BSM 335i \| M-Sport \| ST Coils \| Linea Corse Lemans \| Cobb AP \| BMS DCI \| Cyba Tips
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07-28-2008, 10:26 PM	#8
sinnet112 Major 30 Rep 1,118 Posts Drives: 2009 E89 Z4 Join Date: Dec 2006 Location: NJ iTrader: (1) Garage List 2007 335i Coupe [0.00] 2007 328xi Sedan [0.00]	HSBC 3.5% - http://www.hsbcdirect.com/1/2/1/mkt/...BUS_P130000044 E-Trade 3.3% - https://us.etrade.com/e/t/jumppage/v...654DCA00830B12 No 1st 6 months this, after 6 months that deal going with these, all consistent rates, but any Fed decision may alter that for better or worse. __________________ Z4 sdrive30i \| Deep Sea Blue \| Ivory White Nappa Extended Leather \| ZSP
	Appreciate 0 Quote

07-29-2008, 07:51 AM	#10
GreenThree Colonel 210 Rep 2,110 Posts Drives: 2011 e90 Join Date: Mar 2008 Location: Boston, MA iTrader: (0)	Where the prime rate is now, all HYSA yields will be low. They will come back though. __________________ 2015 335xi \| Mineral Grey Metallic \| Black Dakota Leather \| NAV \| SportLine \| ZPP \| ZDA \| ZCW \| Munich Build Retired: 2008, 2011, 2013 328xi
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07-29-2008, 08:53 AM	#11
BMW! Captain 66 Rep 653 Posts Drives: e92 Join Date: May 2008 Location: NY iTrader: (0)	Setting up HSBC now
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07-29-2008, 09:11 AM	#12
BMW! Captain 66 Rep 653 Posts Drives: e92 Join Date: May 2008 Location: NY iTrader: (0)	stucked What does the box that I checked mean? That I am paying tax? how about the sentence highlighted in red?
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07-29-2008, 09:14 AM	#13
Icedog_16 No Member 8 Rep 428 Posts Drives: 2011 E92 335is Join Date: Feb 2008 Location: Tampa, FL iTrader: (1)	It basically says that you've previously been nailed for failure to report interest income and are being required by the IRS to have the bank withhold taxes for you, as opposed to having to pay them at tax time.
	Appreciate 0 Quote

07-29-2008, 11:54 AM	#15
cas Second Lieutenant 18 Rep 201 Posts Drives: CV Join Date: Aug 2007 Location: NJ iTrader: (0)	http://www.fatwallet.com/forums/finance/783099/
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07-29-2008, 01:53 PM	#18
iatacs19 Major General 463 Rep 5,319 Posts Drives: 2016 SO M4 Join Date: Sep 2006 Location: Washington, DC iTrader: (8)	opened account with the Capital One Costco savings, 3.75% APY if you have $10k or more. __________________ If only BMWCCA Referral: 385628
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07-29-2008, 01:56 PM	#20
GreenThree Colonel 210 Rep 2,110 Posts Drives: 2011 e90 Join Date: Mar 2008 Location: Boston, MA iTrader: (0)	That looks like a great resource, but the post date for that data was Nov 2007. Rates have changed, therefore, the data is not current __________________ 2015 335xi \| Mineral Grey Metallic \| Black Dakota Leather \| NAV \| SportLine \| ZPP \| ZDA \| ZCW \| Munich Build Retired: 2008, 2011, 2013 328xi
	Appreciate 0 Quote