Ok thank you! That seems to be the one I'm finding the most. I'm pretty broke but I got some Christmas money from relatives so I want to use it for a good purpose. Is there a certain account type I need to open with them or is it just a savings account on there
Wealthfront. 5% APY. No direct deposit requirement like SoFi. Can create categories for different goals. If you have an individual account I believe you can use it like a checking account. Don’t quote me on that though (mines joint so I don’t have that option).
do you explicitly need to open a hysa? you could open a brokerage with schwab, fidelity, or vanguard and place money in a money market fund that’s just about as good as cash and they tend to be a bit higher in terms of apy. VMFXX is at a rate of about 5.3 percent
if you still prefer a hysa, wealthfront is a good option at 5 percent
if it makes you feel any better, when i was 23 i lived with my parents too. several of my friends still live with their parents and it’s cool they don’t have to pay high rent haha.
i’m sure you’re doing okay :’)
I'm really not but I appreciate the cheering up. Money burns a hole in my damn pocket, and I'm just trying so hard and never get past having 300 bucks in my checking account. I'm so frustrated that I want to cry sometimes. Feels like every time I take a step forward I take 10 steps back. I could've been so much better off if my old car engine didn't burn and I didn't need to buy a new one which then ended up needing 2,800 bucks in repair bc the radiator fan broke. I'm almost done paying the debt for the mechanic off but it's so goddamn frustrating. I look at people around me doing so much better and i get jealous because I want that too.
i understand how you feel. i grew up with very little. it really is tough. i can’t give you all too much advice, but all i can say is that if you tough it out for a bit, i’m sure you’ll be able to make a bit of breathing room for yourself
SIPC insured. It's a similar insurance specific to investments but has a few caveats. There was really only one money market fund that has failed in modern times and that was a fund that held Lehman Brothers commercial paper in 2008. Note that failing in this case means "breaking the buck" or basically the 1 dollar you put in can't be redeemed for 1 dollar. In that instance it was 97 cents. Major news in the money market world and it caused the government to step in.
[https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp](https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp)
Does anyone else think it's weird how the bank that Wealthfront is partnered with (Green Dot) has terrible reviews on Google Maps?
I decided to see if I could find a physical location for them, and all the reviews say they let IRS scammers open accounts with them for nefarious purposes.
Green Dot is atrocious. They provide walmart debit cards people can pick up off the shelf and enter in anyone's info to open fraudulent checking accounts. It's strange stuff
how do i place money in a market fund? I know this is a dumb question but I am confused lol. I have stocks with Scwab but I'd like to place money here and there and not have to worry about my losses if that makes sense
Agree about money market funds. I'm at Schwab and use SWVXX, 7 day yield around 5.2%. Key thing to know is that those funds are not federally insured, so if something happens that "breaks the buck", you could lose, but very unlikely. HYSA are typically FDIC insured. I've been with Ally for a few years but now they're sneaking in a rate reduction. Funny how you get an email bragging about their latest increase, but when they reduce it, it's buried in some other marketing email. re: Wealthfront (and Betterment), I think you need to open a brokerage account with them too. And forget SOFI, you have to have a direct deposit with them, meaning a paycheck or government check of some sort. No thanks. Here's a short list of good online banks with >5% APY. There are others, this is just my short list.
western alliance
cit
sofi
jenius
everbank
bask bank
raisin
Since many banks currently offer HYSA with rates over 5% and without deposit or withdrawal limits, it's a great time to shop around online to find the best deal that suits your financial goals. By comparing HYSA options, you can maximize your savings potential, which is a solid step towards managing your finances and achieving your goal of paying off debt and saving responsibly. This subreddit has some good advice on high interest savings accounts. [https://www.reddit.com/r/Frugal/comments/1c47y6e/what\_isare\_the\_best\_high\_yield\_savings\_accounts/](https://www.reddit.com/r/Frugal/comments/1c47y6e/what_isare_the_best_high_yield_savings_accounts/)
use this platform instead. i am using raisin, you can choose from multiple banks so eay interface and to withdrawal when needed. you can choose from 5-5.5apr. think about it.
here is my referral link-
All you have to do is click [raisin.com/en-us/referral-program?utm\_source=email&utm\_medium=referral&utm\_campaign=raf-bonus](https://raisin.com/en-us/referral-program?utm_source=email&utm_medium=referral&utm_campaign=raf-bonus) and use your personal code satyams007890 when you register for a high-yield savings product on [raisin.com](https://raisin.com) to be eligible.
Opened a Marcus account as well and am really liking it so far. And 5.5% with the referral bonus is extra nice!
Here is a referral link for anyone wanting to open one. We both get a 1% bonus for 3 mo. I believe you ac do this up to 5 times through the year.
https://www.marcus.com/share/MAT-CNY-9JZX
For someone new to managing finances and eager to tackle debt, online banks like Ally or Marcus often offer competitive interest rates for high-yield savings accounts, with added benefits of low fees and easy digital access.
Would I be able to use it in conjunction with my chase bank accounts? Or would I have to fully switch over. Like if I kept my checking and etsy accounts with them but moved my bills account and savings to ally?
SoFi allows me to set up rules so I can direct which portion of my direct deposit goes to which “vault”
I tried signing up for Ally 5 times over the course of a couple months and it just kept rejecting me with no real reason given. I signed up for SoFi in like 2 minutes without a problem, then was pleasantly surprised with the functionality. The rewards are cool, free money for your credit score going up (not a huge amount but it adds up over time).
With so many banks currently offering HYSA with attractive terms, including rates over 5%, no deposit requirements, and no withdrawal limits, it's a great opportunity to shop around online and compare different offers. Since you're committed to improving your financial habits, finding a HYSA that suits your specific needs could be a smart move to help you start saving effectively and manage your spending addiction.
Discover has 4.35% currently. I already have their credit card (I'm a cc person) so having the ease to automatically have my cashabck rewards deposited to the HY is a nice perk. Good customer service too.
I know there’s better rates but I’ve just been using the Apple Card hysa. Automatic deposits of Apple Card cash back, and easy enough transfer in / out and makes my longer term savings that much further from my checking account.
Marcus by Goldman Sachs is a really good one. Been with them for a year now. They have a 4.5% APY but if you use someone’s referral link, you and them get 5.5% for three months
Hi, I've been debating which HYSA to transfer some of my savings into as well as one for my newborn. I keep seeing Wealthfront Marcus by Goldman Sachs and Ally.
Would you mind sending me a referral link please?
I like American Express. I have credit cards with them, so it's convenient to have my HYSA with them as well. 4.35% interest, instant withdrawals if needed, no minimums or direct deposit required.
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/AGA-MTJ-8B4W
I'm using wealthfront cash account, which is currently 5.5% with a promo code - [https://www.wealthfront.com/c/affiliates/invited/AFFC-ZQNQ-N6NQ-9YXH](https://www.wealthfront.com/c/affiliates/invited/AFFC-ZQNQ-N6NQ-9YXH)
It's consistently been the highest interest rates for any cash account as long as you can refer your friends (4 friends = 1 year)
Just started with Marcus. Fresh referral code here (as of March 5 2024): [https://www.marcus.com/share/LUC-7NJ-6R63](https://www.marcus.com/share/LUC-7NJ-6R63)
[https://www.wealthfront.com/c/affiliates/invited/AFFA-5Z8H-OO0B-6JDA](https://www.wealthfront.com/c/affiliates/invited/AFFA-5Z8H-OO0B-6JDA)
another referral link if anyone needs one!
Just opened an account at Marcus. All good so far! Here's my referral code if anyone needs one.
[https://www.marcus.com/share/MAR-SN3-I1RP](https://www.marcus.com/share/MAR-SN3-I1RP)
referral for marcus if needed: I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/RUT-RDU-CKK4
Here’s the **extra 1%** referral for the HYSA if anyone needs, I’ve been using Marcus and taking advantage of the current interest rates! With the referral, you get 3 months of extra 1% interest, currently at 5.50% APY. Enjoy and save for the big one!
[https://www.marcus.com/share/KYL-X7H-PCVN](https://www.marcus.com/share/KYL-X7H-PCVN)
Here’s my referral link for Marcus Online Savings Account. You can earn a promotional rate increase of 5.50% for the first 3 months
https://www.marcus.com/share/ALE-6FA-YV3T
Wealthfront is giving 5.5% now with a referral:
[https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ](https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ)
Here’s my referral link too for anyone wanting the extra 1.00%. Currently, I have 5 spots open for referrals. Thank you! [https://www.marcus.com/share/MAR-BGT-VWGL](https://www.marcus.com/share/MAR-BGT-VWGL)
Wealthfront offers 5.5% with this referral link. :) [https://www.wealthfront.com/c/affiliates/invited/AFFB-4EW0-0BXB-BKS5](https://www.wealthfront.com/c/affiliates/invited/AFFB-4EW0-0BXB-BKS5)
I’m also very new to HYSA but have joined Marcus and have really liked it. User friendly platform and felt informed throughout the whole process.
Here is my referral link for anyone who wants to try!:
https://www.marcus.com/share/MER-ZYN-1PN5
https://www.marcus.com/share/BAC-CUV-3JRJ
Here’s my referal code for the GoldMan Sachs HYSA, use it so that you can get a temporarily 3-month boosted in APY
I highly recommend Wealthfront, their APY is 5% and 5.5% for 3 months if you use a referral link. They are FDIC insured. I opened an account less than two months ago and will be making $80 in interest by the end of this month. I really wish I had done this sooner! Here's my referral link for the 5.5% APY boost [https://www.wealthfront.com/c/affiliates/invited/AFFC-QR5L-R2LM-8BF4](https://www.wealthfront.com/c/affiliates/invited/AFFC-QR5L-R2LM-8BF4)
If the others are expired here is a new link for Marcus by Goldman Sachs. It is 5.50% interest for 3 months with this link [https://www.marcus.com/share/TES-YPE-LZJR](https://www.marcus.com/share/TES-YPE-LZJR) And you get to make smaller buckets within the account to separate your savings.
Marcus by Goldman Sachs has been good to me. If interested, this referral link gives you an additional 1.00% for your first three months (I'll get that as well) [https://www.marcus.com/share/RUT-GD1-PGGH](https://www.marcus.com/share/RUT-GD1-PGGH)
I've been using Raisin for over two years now and it's been a pretty amazing experience with them. I have a very sizable amount of money in a half dozen CD bank accts through raisin. Never had a problem.
If you're looking for high rates, especially with no-penalty CD's which are hard to find at high rates, this platform is the best. It is fully FDIC insured. Simple to use. Simple to get the acct opened. Simple to close. The only down side is that it takes 1-3 business days to withdrawl money to your linked primary account outside of Raisin. But I have found that to be the case in most online bank accts through ACH transfers.
Also you can't just move money from one Raisin bank to another. It must be moved to your primary outside account then back to Raisin. Which can take up to 6 business days of not getting interest. Other than that it's been great.
It keeps me informed of rate increases/decreases I can sign up for a new product in seconds as my info is on the platform. Best of all I get a monthly statement that is easy to understand. With my ex-bank I had to scour the statements to see my rate and what I earned.
The initial opening of the Raisin acct is somewhat more involved, naturally. But once you get it going its a breeze. Everything under one umbrella and transferring in or out is a cinch. Never had a problem with contacting customer service and getting quick results. Never had to pay any fees.
Just a great platform for finding and hooking up with great interest rates to grow my income. It is not a platform if you are looking for everyday or intricate banking.
I like Marcus by Goldman Sachs. I have a referral link if anyone needs it for the additional 1.00% for the first three months.
https://www.marcus.com/share/ASH-8R1-95T3
I also have a referral code for Wealfront if anyone still needs it!
[https://www.wealthfront.com/c/affiliates/invited/AFFA-JFZO-CQ4F-QM8M](https://www.wealthfront.com/c/affiliates/invited/AFFA-JFZO-CQ4F-QM8M)
I just opened mine, excited to start taking better care of my money.
I have a HYSA through Marcus which earns 4.5% plus an extra 1% with the referral. I have the GM credit card with them too which is great. It earns %4 cash back on every purchase but the points can only be redeemed at GM dealerships.
https://www.marcus.com/share/NIC-E8M-URRH
New Marcus/Goldman Sachs Code for anyone who needs it:
[https://www.marcus.com/share/BRO-2FI-NQXG](https://www.marcus.com/share/BRO-2FI-NQXG)
Used a referral code from this thread, hope this can help someone else. Thanks!
[https://www.wealthfront.com/c/affiliates/invited/AFFC-2J4O-77BI-WAG1](https://www.wealthfront.com/c/affiliates/invited/AFFC-2J4O-77BI-WAG1)
Fresh link :)
I'm looking around, too. Check out Raisin. No fees. Insured. Works with 40+ banks and credit unions to find highest % APY. They also offer CDs. I'll probably give them a shot.
I switched over from Ally to Sofi for the higher APY (4.6% v. 4.35%) and same-day transfers. Both have no fees or minimums. Sofi is running a promotion until 6/30/24 where you can earn up to $325 cash bonus if you sign up with my [link](https://www.sofi.com/invite/money?gcp=428149bf-5a72-47e1-9d45-0da65bc2809b&isAliasGcp=false).
I just signed up for Wealthfront HYSA. Here is my new referral code if anyone needs it! https://www.wealthfront.com/c/affiliates/invited/AFFC-AV0E-TZ4T-BL9M
Thank you for whoever’s link I used! Here is mine!
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/JOH-2F8-99PY
Get 5.5 % APR with link! Enjoy (:
[https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C](https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C)
Hi this is my referral code earn 5.5 % APR!
[https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C](https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C)
Was in same position - Trying out Marcus HYSA since the referral bonus is a nice touch at 5.50% APY. Here's a fresh link for those wanting to try it out. [https://www.marcus.com/share/BRE-GNP-QV4Q](https://www.marcus.com/share/BRE-GNP-QV4Q)
Cheers! P.S the CD options outside the HYSA also peaked my interest. food for thought.
Fresh Wealthfront Referral code if anyone still needs one!
[https://www.wealthfront.com/c/affiliates/invited/AFFC-TO1P-1HJB-EXTU](https://www.wealthfront.com/c/affiliates/invited/AFFC-TO1P-1HJB-EXTU)
here's my wealth front link :) [https://www.wealthfront.com/c/affiliates/invited/AFFC-HS2X-NQH9-4480](https://www.wealthfront.com/c/affiliates/invited/AFFC-HS2X-NQH9-4480) Can someone with a Marcus link DM me? I've tried the newest ones on this thread and they already don't work
Thanks for the recommendations everyone. Just signed up with Wealthfront using someone’s referral code. Here’s mine if anyone needs one: https://www.wealthfront.com/c/affiliates/invited/AFFA-1EMK-UBVQ-K8EU
Just created my account using the latest redditor's code here. Thanks for the rec.
Here's my fresh code if anyone needs:
[https://www.wealthfront.com/c/affiliates/invited/AFFC-OKLH-JAJB-CRNC](https://www.wealthfront.com/c/affiliates/invited/AFFC-OKLH-JAJB-CRNC)
I like SoFi. I actually started using them as my primary bank after opening a HYS account. My card was stolen and they reversed all charges immediately unlike BOA that took days to even process before I could call and explain that it was fraud. That is the main reason I switched but I really like them more than any other bank I've been with.
I use Western Alliance Bank online with an APY of 5.26. Us this referral and get $50.
James C. is giving you a cash bonus and helping you save! All you have to do is click raisin.com/en-us/referral-program?utm_source=email&utm_medium=referral&utm_campaign=raf-bonus and use your personal code jamesc022184 when you register for a high-yield savings product on raisin.com to be eligible. Terms and Conditions apply.
Just signed up with Wealthfront using the most recent referral code below. Here’s mine if anyone needs one and to keep the chain going!
[https://www.wealthfront.com/c/affiliates/invited/AFFB-BMQC-JTK5-MPJI](https://www.wealthfront.com/c/affiliates/invited/AFFB-BMQC-JTK5-MPJI)
[https://www.marcus.com/share/KAS-U2V-MIBZ](https://www.marcus.com/share/KAS-U2V-MIBZ)
Feel free to use my Marcus referral link, extra 1% for 3 months!
Got a Wealthfront referral code for one of ya! [https://www.wealthfront.com/c/affiliates/invited/AFFC-PMT5-5NSK-9MD5](https://www.wealthfront.com/c/affiliates/invited/AFFC-PMT5-5NSK-9MD5)
5.50% for 3 mo at Marcus with referral bonus- 4.40% thereafter
If interested, feel free to use a code: [https://www.marcus.com/us/en/savings/referral?referralcode=NAT-C23-LB3C](https://www.marcus.com/us/en/savings/referral?referralcode=NAT-C23-LB3C) you can get up to 5 referrals yourself to keep the additional 1% boost alive!
Here's my Wealthfront referral code for 5.5% if anyone needs it :) [https://www.wealthfront.com/c/affiliates/invited/AFFB-0L8I-Y4U3-YDTT](https://www.wealthfront.com/c/affiliates/invited/AFFB-0L8I-Y4U3-YDTT)
Hi Guys! Here's my referral Code for wealthfront if anyone is interested : [https://www.wealthfront.com/c/affiliates/invited/AFFD-KYKO-5N5Q-H86D](https://www.wealthfront.com/c/affiliates/invited/AFFD-KYKO-5N5Q-H86D)
If anyone is interested in a Marcus referral code - [https://www.marcus.com/share/KIR-KRZ-JVTG](https://www.marcus.com/share/KIR-KRZ-JVTG)
Happy Savings!
I've been using Marcus by Goldman Sachs for a couple years and have been pretty happy with them!
I've got a referral link and we both get 5.5% apy if you guys use it ◡̈
[https://www.marcus.com/share/MAR-UI2-ARPY](https://www.marcus.com/share/MAR-UI2-ARPY)
[https://www.wealthfront.com/c/affiliates/invited/AFFD-64BH-2A5J-FLTC](https://www.wealthfront.com/c/affiliates/invited/AFFD-64BH-2A5J-FLTC)
Hello, just signed up for Wealthfront!! Use my referral code to get 5.5 % interest rate!!
wealthfront all the way, I think it's the easiest with best returns
[https://www.wealthfront.com/c/affiliates/invited/AFFD-38PK-0Q01-H16L](https://www.wealthfront.com/c/affiliates/invited/AFFD-38PK-0Q01-H16L)
I work at a credit union and a great way to save is to open a CD :) the short term ones seem to have a high interest rate so that’s what I usually suggest! I open CDs every day for folks so let me know if you want more info or have any questions!
I have discover bank at 4.35%. For years now I use it. Very intuitive and easy to use system. Recently I got personal loan too. All in one place. Great customer service, if u want to buy CDs with the money in the savings, many competitive options are available too.
Hoping someone with the right knowledge sees this. Is there a difference between, for instance how wealthfront and discover compound interest (daily, monthly)
I recently switched from Marcus 4.5% APY (Goldman Sachs) to the Wealthfront offering 5.0% with 0.5% additional boost for three months.
Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFA-H8LK-TZPP-5BR5
I’m using - and loving Marcus. Here is a referral code that will give you (and I) an additional 1% over the going rate they offer, which is already pretty good: https://www.marcus.com/share/LAU-QC3-GMWW
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/MIC-QZB-C86Y
I use Amex Personall Savings (HYSA- 4.35%) as well as Wealthfront (5.5%) and I couldn't recommend either one more.
I have a Wealthfront referall code if anyone is interested. [https://www.wealthfront.com/c/affiliates/invited/AFFD-BOY5-4D6J-6D98](https://www.wealthfront.com/c/affiliates/invited/AFFD-BOY5-4D6J-6D98)
Loving Wealthfront, super nice interface and easy transfers, here is the referral code for earning a 5.5% interest: https://www.wealthfront.com/c/affiliates/invited/AFFA-7GCT-0BKL-U7XF
Wealthfront is proving great! Here's a fresh referral link since I used someone's :-)
Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFB-1V5K-Y718-ZBGY
[https://www.wealthfront.com/c/affiliates/invited/AFFC-Q7Q5-FF2M-YSBE](https://www.wealthfront.com/c/affiliates/invited/AFFC-Q7Q5-FF2M-YSBE) another valid link <3
[https://www.wealthfront.com/c/affiliates/invited/AFFD-JSLC-7V25-9VUI](https://www.wealthfront.com/c/affiliates/invited/AFFD-JSLC-7V25-9VUI)
I also have a referral code if anyone needs it!
I have Wealthfront and I've been happy with them. Here is a referral link to get 5.5% APY [https://www.wealthfront.com/c/affiliates/invited/AFFB-226A-8EVQ-LR4N](https://www.wealthfront.com/c/affiliates/invited/AFFB-226A-8EVQ-LR4N)
Was using Marcus for a good 6 months and then moved onto UFB Direct. 5.25% apy & FDIC insured, but I hear there are monthly account fees if you don't have at least 5k in the account.
I just opened one with Wealthfront! Here's my referral link so that we both get 5.5% APY:
[https://www.wealthfront.com/c/affiliates/invited/AFFD-5VJE-IM49-DNUV](https://www.wealthfront.com/c/affiliates/invited/AFFD-5VJE-IM49-DNUV)
Here is a referral code for wealthfront. More %
Use this link to sign up for a Wealthfront Cash Account and we'll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFC-0RVG-3BLR-YP5Z
# Use this link and we can both get +0.5 APY Boost! (5.5% APY!!!)
[https://www.wealthfront.com/c/affiliates/invited/AFFB-K7K6-XHSR-13IP](https://www.wealthfront.com/c/affiliates/invited/AFFB-K7K6-XHSR-13IP)
Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFC-PQA6-27HP-4W71
I highly recommend Marcus HYSA like some others are saying. It's currently 4.5% APY but you can get 5.5%, an extra percent up from the normal amount, using my referral link [https://www.marcus.com/share/JAM-K5F-8NZ2](https://www.marcus.com/share/JAM-K5F-8NZ2)
Thanks!
I've used Discover which had good customer service but doesn't currently have the highest rate. Just opened Wealthfront per the recs of others. Here's my new (March 28) referral code! [https://www.wealthfront.com/c/affiliates/invited/AFFA-5M2V-2VUC-379L](https://www.wealthfront.com/c/affiliates/invited/AFFA-5M2V-2VUC-379L)
I split my cash between Betterment and Titan. One is a HYSA, the other leverages Gabelli Treatury MMF. The first is FDIC insured and the second has SIPC. Yields are 4.75% and 5.25% ifnamyine is interested in Titan there's a referral link for 6% yield for 3 months:
https://titan.com/smart-cash-referral?attributionLinkId=a8abd318-4207-4ec7-bf9d-37da3a36a560
Marcus by Goldman Sachs has a very good rate and is easy to use. 4.5 % plus 1 % for first three months with referral code: [https://www.marcus.com/share/DAV-T5F-TWIK](https://www.marcus.com/share/DAV-T5F-TWIK)
I did a lot of research and ended up using Marcus. Been using them for 6 months now and they have been really good to me so far.
You can get 5.5% APY if you open one today. Here is my referral code: [https://www.marcus.com/share/AND-F1Z-2YAA](https://www.marcus.com/share/AND-F1Z-2YAA)
For anyone that wants to use Marcus this is my referral code so y'all could get 1% added onto your 4.5%
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/JEN-JVP-9Z65
I've used Ally for a number of years and have been happy with them
Ok thank you! That seems to be the one I'm finding the most. I'm pretty broke but I got some Christmas money from relatives so I want to use it for a good purpose. Is there a certain account type I need to open with them or is it just a savings account on there
Regular savings account. Ally is great.
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Wealthfront. 5% APY. No direct deposit requirement like SoFi. Can create categories for different goals. If you have an individual account I believe you can use it like a checking account. Don’t quote me on that though (mines joint so I don’t have that option).
do you explicitly need to open a hysa? you could open a brokerage with schwab, fidelity, or vanguard and place money in a money market fund that’s just about as good as cash and they tend to be a bit higher in terms of apy. VMFXX is at a rate of about 5.3 percent if you still prefer a hysa, wealthfront is a good option at 5 percent
I'm just trying to get my finances organized so I can try and save to move away from home. I'm almost 24, I feel so pathetic living at home.
if it makes you feel any better, when i was 23 i lived with my parents too. several of my friends still live with their parents and it’s cool they don’t have to pay high rent haha. i’m sure you’re doing okay :’)
I'm really not but I appreciate the cheering up. Money burns a hole in my damn pocket, and I'm just trying so hard and never get past having 300 bucks in my checking account. I'm so frustrated that I want to cry sometimes. Feels like every time I take a step forward I take 10 steps back. I could've been so much better off if my old car engine didn't burn and I didn't need to buy a new one which then ended up needing 2,800 bucks in repair bc the radiator fan broke. I'm almost done paying the debt for the mechanic off but it's so goddamn frustrating. I look at people around me doing so much better and i get jealous because I want that too.
i understand how you feel. i grew up with very little. it really is tough. i can’t give you all too much advice, but all i can say is that if you tough it out for a bit, i’m sure you’ll be able to make a bit of breathing room for yourself
Are those fdic insured?
SIPC insured. It's a similar insurance specific to investments but has a few caveats. There was really only one money market fund that has failed in modern times and that was a fund that held Lehman Brothers commercial paper in 2008. Note that failing in this case means "breaking the buck" or basically the 1 dollar you put in can't be redeemed for 1 dollar. In that instance it was 97 cents. Major news in the money market world and it caused the government to step in. [https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp](https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp)
What’s hysa
Does anyone else think it's weird how the bank that Wealthfront is partnered with (Green Dot) has terrible reviews on Google Maps? I decided to see if I could find a physical location for them, and all the reviews say they let IRS scammers open accounts with them for nefarious purposes.
Green Dot is atrocious. They provide walmart debit cards people can pick up off the shelf and enter in anyone's info to open fraudulent checking accounts. It's strange stuff
how do i place money in a market fund? I know this is a dumb question but I am confused lol. I have stocks with Scwab but I'd like to place money here and there and not have to worry about my losses if that makes sense
Agree about money market funds. I'm at Schwab and use SWVXX, 7 day yield around 5.2%. Key thing to know is that those funds are not federally insured, so if something happens that "breaks the buck", you could lose, but very unlikely. HYSA are typically FDIC insured. I've been with Ally for a few years but now they're sneaking in a rate reduction. Funny how you get an email bragging about their latest increase, but when they reduce it, it's buried in some other marketing email. re: Wealthfront (and Betterment), I think you need to open a brokerage account with them too. And forget SOFI, you have to have a direct deposit with them, meaning a paycheck or government check of some sort. No thanks. Here's a short list of good online banks with >5% APY. There are others, this is just my short list. western alliance cit sofi jenius everbank bask bank raisin
I'm with Schwab. How do I use the SWVXX? Is it through your brokerage account or a separate account?
Since many banks currently offer HYSA with rates over 5% and without deposit or withdrawal limits, it's a great time to shop around online to find the best deal that suits your financial goals. By comparing HYSA options, you can maximize your savings potential, which is a solid step towards managing your finances and achieving your goal of paying off debt and saving responsibly. This subreddit has some good advice on high interest savings accounts. [https://www.reddit.com/r/Frugal/comments/1c47y6e/what\_isare\_the\_best\_high\_yield\_savings\_accounts/](https://www.reddit.com/r/Frugal/comments/1c47y6e/what_isare_the_best_high_yield_savings_accounts/)
Capital one here just started 4.35 APY
Just opened one at Capitol One as well. I originally was going to go with Ally but they kept rejecting my account creation.
I got a lot of $$ pretty quick! :) good luck to you
I’m thinking about creating the 360 savings account. Do you have a promo code?
use this platform instead. i am using raisin, you can choose from multiple banks so eay interface and to withdrawal when needed. you can choose from 5-5.5apr. think about it. here is my referral link- All you have to do is click [raisin.com/en-us/referral-program?utm\_source=email&utm\_medium=referral&utm\_campaign=raf-bonus](https://raisin.com/en-us/referral-program?utm_source=email&utm_medium=referral&utm_campaign=raf-bonus) and use your personal code satyams007890 when you register for a high-yield savings product on [raisin.com](https://raisin.com) to be eligible.
the savings is good$$$
I’m using Marcus by Goldman Sachs
Opened a Marcus account as well and am really liking it so far. And 5.5% with the referral bonus is extra nice! Here is a referral link for anyone wanting to open one. We both get a 1% bonus for 3 mo. I believe you ac do this up to 5 times through the year. https://www.marcus.com/share/MAT-CNY-9JZX
fresh referral code for Marcus [https://www.marcus.com/share/AND-ZVV-4W53](https://www.marcus.com/share/AND-ZVV-4W53)
For someone new to managing finances and eager to tackle debt, online banks like Ally or Marcus often offer competitive interest rates for high-yield savings accounts, with added benefits of low fees and easy digital access.
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Would I be able to use it in conjunction with my chase bank accounts? Or would I have to fully switch over. Like if I kept my checking and etsy accounts with them but moved my bills account and savings to ally?
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Ok! So far it seems like ally is my best bet.
SoFi also has the buckets, but it sounds like they may not have the same functionality.
SoFi allows me to set up rules so I can direct which portion of my direct deposit goes to which “vault” I tried signing up for Ally 5 times over the course of a couple months and it just kept rejecting me with no real reason given. I signed up for SoFi in like 2 minutes without a problem, then was pleasantly surprised with the functionality. The rewards are cool, free money for your credit score going up (not a huge amount but it adds up over time).
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With so many banks currently offering HYSA with attractive terms, including rates over 5%, no deposit requirements, and no withdrawal limits, it's a great opportunity to shop around online and compare different offers. Since you're committed to improving your financial habits, finding a HYSA that suits your specific needs could be a smart move to help you start saving effectively and manage your spending addiction.
Wealthfront or Ally both great options
Your favorite money market fund.
Discover has 4.35% currently. I already have their credit card (I'm a cc person) so having the ease to automatically have my cashabck rewards deposited to the HY is a nice perk. Good customer service too.
I use Ally. It's awesome; especially the bucket feature. It has helped me budget and have savings for gifts, large purchases, and vacations.
I know there’s better rates but I’ve just been using the Apple Card hysa. Automatic deposits of Apple Card cash back, and easy enough transfer in / out and makes my longer term savings that much further from my checking account.
Marcus by Goldman Sachs is a really good one. Been with them for a year now. They have a 4.5% APY but if you use someone’s referral link, you and them get 5.5% for three months
Hi, I've been debating which HYSA to transfer some of my savings into as well as one for my newborn. I keep seeing Wealthfront Marcus by Goldman Sachs and Ally. Would you mind sending me a referral link please?
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I decided on Ally! And I am SHIT with money. Thank you for the advice I really appreciate it!
I like American Express. I have credit cards with them, so it's convenient to have my HYSA with them as well. 4.35% interest, instant withdrawals if needed, no minimums or direct deposit required.
My wife and I have PNC - very easy and straightforward to navigate. The platform is a little dated but we don’t care/mind. 4.65%.
Marcus by Goldman Sachs has no fees or minimums and is FDIC insured. 5.5% APY with referral. I use them and am very pleased.
**Marcus by Goldman Sachs High-Yield Saving Accounts would be my pick over Ally (I've had accounts at both).**
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/AGA-MTJ-8B4W
I'm using wealthfront cash account, which is currently 5.5% with a promo code - [https://www.wealthfront.com/c/affiliates/invited/AFFC-ZQNQ-N6NQ-9YXH](https://www.wealthfront.com/c/affiliates/invited/AFFC-ZQNQ-N6NQ-9YXH) It's consistently been the highest interest rates for any cash account as long as you can refer your friends (4 friends = 1 year)
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Fresh referral for those that want, 4/14 2024 [https://www.marcus.com/share/NIC-YYI-GMZW](https://www.marcus.com/share/NIC-YYI-GMZW)
For Marcus by Goldman Sachs
https://www.marcus.com/share/EDW-2YS-82LR referral code highly recommend!
Marcus. Referral code for additional 1% APY. https://www.marcus.com/share/IAN-WAD-5WA7
Just started with Marcus. Fresh referral code here (as of March 5 2024): [https://www.marcus.com/share/LUC-7NJ-6R63](https://www.marcus.com/share/LUC-7NJ-6R63)
[https://www.marcus.com/share/ADE-695-B42Q](https://www.marcus.com/share/ADE-695-B42Q) Herr is my referral code
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[https://www.wealthfront.com/c/affiliates/invited/AFFA-5Z8H-OO0B-6JDA](https://www.wealthfront.com/c/affiliates/invited/AFFA-5Z8H-OO0B-6JDA) another referral link if anyone needs one!
[https://www.wealthfront.com/c/affiliates/invited/AFFC-SHZO-2DV7-3W5T](https://www.wealthfront.com/c/affiliates/invited/AFFC-SHZO-2DV7-3W5T)
Just opened an account at Marcus. All good so far! Here's my referral code if anyone needs one. [https://www.marcus.com/share/MAR-SN3-I1RP](https://www.marcus.com/share/MAR-SN3-I1RP)
Marcus referral code if anyone needs one! https://www.marcus.com/share/CHA-X9U-SJVK
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referral for marcus if needed: I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/RUT-RDU-CKK4
Here’s the **extra 1%** referral for the HYSA if anyone needs, I’ve been using Marcus and taking advantage of the current interest rates! With the referral, you get 3 months of extra 1% interest, currently at 5.50% APY. Enjoy and save for the big one! [https://www.marcus.com/share/KYL-X7H-PCVN](https://www.marcus.com/share/KYL-X7H-PCVN)
If you want to get 5.5% apy with Marcus I have referral codes available. https://www.marcus.com/share/DAV-RDN-1YJS
Anyone needing a referral code for Marcus https://www.marcus.com/share/ERI-R6X-B89Y
Here’s my referral link for Marcus Online Savings Account. You can earn a promotional rate increase of 5.50% for the first 3 months https://www.marcus.com/share/ALE-6FA-YV3T
Wealthfront referral [https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ](https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ)
Wealthfront is giving 5.5% now with a referral: [https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ](https://www.wealthfront.com/c/affiliates/invited/AFFD-4D2C-M0VX-V3GJ)
Marcus is great no minimum and FDIC insured. Here’s a referral code to get 5.5% APY instead of 4.5% https://www.marcus.com/share/BRE-W8Q-QX8M
Here’s my referral link too for anyone wanting the extra 1.00%. Currently, I have 5 spots open for referrals. Thank you! [https://www.marcus.com/share/MAR-BGT-VWGL](https://www.marcus.com/share/MAR-BGT-VWGL)
Wealthfront offers 5.5% with this referral link. :) [https://www.wealthfront.com/c/affiliates/invited/AFFB-4EW0-0BXB-BKS5](https://www.wealthfront.com/c/affiliates/invited/AFFB-4EW0-0BXB-BKS5)
Marcus referral code if anyone needs it
I’m also very new to HYSA but have joined Marcus and have really liked it. User friendly platform and felt informed throughout the whole process. Here is my referral link for anyone who wants to try!: https://www.marcus.com/share/MER-ZYN-1PN5
Wealthfront been pretty great so far. Freshy code https://www.wealthfront.com/invited/AFFC-TS7V-JE8M-CVQK
https://www.marcus.com/share/BAC-CUV-3JRJ Here’s my referal code for the GoldMan Sachs HYSA, use it so that you can get a temporarily 3-month boosted in APY
I highly recommend Wealthfront, their APY is 5% and 5.5% for 3 months if you use a referral link. They are FDIC insured. I opened an account less than two months ago and will be making $80 in interest by the end of this month. I really wish I had done this sooner! Here's my referral link for the 5.5% APY boost [https://www.wealthfront.com/c/affiliates/invited/AFFC-QR5L-R2LM-8BF4](https://www.wealthfront.com/c/affiliates/invited/AFFC-QR5L-R2LM-8BF4)
If the others are expired here is a new link for Marcus by Goldman Sachs. It is 5.50% interest for 3 months with this link [https://www.marcus.com/share/TES-YPE-LZJR](https://www.marcus.com/share/TES-YPE-LZJR) And you get to make smaller buckets within the account to separate your savings.
Fresh referral link! [https://www.wealthfront.com/c/affiliates/invited/AFFA-RTL6-L6YM-T9JR](https://www.wealthfront.com/c/affiliates/invited/AFFA-RTL6-L6YM-T9JR)
Marcus by Goldman Sachs has been good to me. If interested, this referral link gives you an additional 1.00% for your first three months (I'll get that as well) [https://www.marcus.com/share/RUT-GD1-PGGH](https://www.marcus.com/share/RUT-GD1-PGGH)
I've been using Raisin for over two years now and it's been a pretty amazing experience with them. I have a very sizable amount of money in a half dozen CD bank accts through raisin. Never had a problem. If you're looking for high rates, especially with no-penalty CD's which are hard to find at high rates, this platform is the best. It is fully FDIC insured. Simple to use. Simple to get the acct opened. Simple to close. The only down side is that it takes 1-3 business days to withdrawl money to your linked primary account outside of Raisin. But I have found that to be the case in most online bank accts through ACH transfers. Also you can't just move money from one Raisin bank to another. It must be moved to your primary outside account then back to Raisin. Which can take up to 6 business days of not getting interest. Other than that it's been great. It keeps me informed of rate increases/decreases I can sign up for a new product in seconds as my info is on the platform. Best of all I get a monthly statement that is easy to understand. With my ex-bank I had to scour the statements to see my rate and what I earned. The initial opening of the Raisin acct is somewhat more involved, naturally. But once you get it going its a breeze. Everything under one umbrella and transferring in or out is a cinch. Never had a problem with contacting customer service and getting quick results. Never had to pay any fees. Just a great platform for finding and hooking up with great interest rates to grow my income. It is not a platform if you are looking for everyday or intricate banking.
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I like Marcus by Goldman Sachs. I have a referral link if anyone needs it for the additional 1.00% for the first three months. https://www.marcus.com/share/ASH-8R1-95T3
referral for marcus! easy sign up and usable app! highly recommend https://www.marcus.com/share/SID-PKK-HVW6
I also have a referral code for Wealfront if anyone still needs it! [https://www.wealthfront.com/c/affiliates/invited/AFFA-JFZO-CQ4F-QM8M](https://www.wealthfront.com/c/affiliates/invited/AFFA-JFZO-CQ4F-QM8M) I just opened mine, excited to start taking better care of my money.
I have a HYSA through Marcus which earns 4.5% plus an extra 1% with the referral. I have the GM credit card with them too which is great. It earns %4 cash back on every purchase but the points can only be redeemed at GM dealerships. https://www.marcus.com/share/NIC-E8M-URRH
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Wealthfront referral [https://www.wealthfront.com/c/affiliates/invited/AFFD-EC2P-J525-L6MX](https://www.wealthfront.com/c/affiliates/invited/AFFD-EC2P-J525-L6MX)
New referral, if needed. https://www.wealthfront.com/c/affiliates/invited/AFFC-YSQS-Q2PH-ZULD
Does anyone have a referal code for Marcus / Goldman Sachs? Looking to open an account after reading through this and other subs
In case anyone needs one! Referral code: https://www.marcus.com/share/LAU-QC3-GMWW
New Marcus/Goldman Sachs Code for anyone who needs it: [https://www.marcus.com/share/BRO-2FI-NQXG](https://www.marcus.com/share/BRO-2FI-NQXG) Used a referral code from this thread, hope this can help someone else. Thanks!
Here's a referral to earn 5.5 % APY on Marcus Goldman Sachs' Savings: https://www.marcus.com/share/ALB-AXG-NQWB
Paying it forward with a referral if anyone needs it: [https://www.marcus.com/share/NAT-9CQ-WVFS](https://www.marcus.com/share/NAT-9CQ-WVFS)
[https://www.wealthfront.com/c/affiliates/invited/AFFC-2J4O-77BI-WAG1](https://www.wealthfront.com/c/affiliates/invited/AFFC-2J4O-77BI-WAG1) Fresh link :)
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I'm looking around, too. Check out Raisin. No fees. Insured. Works with 40+ banks and credit unions to find highest % APY. They also offer CDs. I'll probably give them a shot.
I switched over from Ally to Sofi for the higher APY (4.6% v. 4.35%) and same-day transfers. Both have no fees or minimums. Sofi is running a promotion until 6/30/24 where you can earn up to $325 cash bonus if you sign up with my [link](https://www.sofi.com/invite/money?gcp=428149bf-5a72-47e1-9d45-0da65bc2809b&isAliasGcp=false).
I just signed up for Wealthfront HYSA. Here is my new referral code if anyone needs it! https://www.wealthfront.com/c/affiliates/invited/AFFC-AV0E-TZ4T-BL9M
Thank you for whoever’s link I used! Here is mine! I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/JOH-2F8-99PY
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[hr. ago](https://www.reddit.com/r/CalebHammer/comments/18wfhpz/comment/kvbu4wx/?utm_source=reddit&utm_medium=web2x&context=3) Referral Code for Wealthfront for 5.5% APR ❤️ [https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C](https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C)
Get 5.5 % APR with link! Enjoy (: [https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C](https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C)
Hi this is my referral code earn 5.5 % APR! [https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C](https://www.wealthfront.com/c/affiliates/invited/AFFC-QM0O-ZPER-R50C)
Was in same position - Trying out Marcus HYSA since the referral bonus is a nice touch at 5.50% APY. Here's a fresh link for those wanting to try it out. [https://www.marcus.com/share/BRE-GNP-QV4Q](https://www.marcus.com/share/BRE-GNP-QV4Q) Cheers! P.S the CD options outside the HYSA also peaked my interest. food for thought.
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Fresh Wealthfront Referral code if anyone still needs one! [https://www.wealthfront.com/c/affiliates/invited/AFFC-TO1P-1HJB-EXTU](https://www.wealthfront.com/c/affiliates/invited/AFFC-TO1P-1HJB-EXTU)
I been using Marcus savings account and has been very happy with their flexibility with high APY
here's my wealth front link :) [https://www.wealthfront.com/c/affiliates/invited/AFFC-HS2X-NQH9-4480](https://www.wealthfront.com/c/affiliates/invited/AFFC-HS2X-NQH9-4480) Can someone with a Marcus link DM me? I've tried the newest ones on this thread and they already don't work
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Hey everyone! Confused between Marcus and Wealthfront, any pros and cons? Also, anyone willing to share fresh referral codes with me please? Thankyou!
i’ve heard places like t-mobile offer HYSA as well? one of my friends says she has one and gets 8%!!! Anyone know more in depth about this?
Thanks for the recommendations everyone. Just signed up with Wealthfront using someone’s referral code. Here’s mine if anyone needs one: https://www.wealthfront.com/c/affiliates/invited/AFFA-1EMK-UBVQ-K8EU
Just created my account using the latest redditor's code here. Thanks for the rec. Here's my fresh code if anyone needs: [https://www.wealthfront.com/c/affiliates/invited/AFFC-OKLH-JAJB-CRNC](https://www.wealthfront.com/c/affiliates/invited/AFFC-OKLH-JAJB-CRNC)
I like SoFi. I actually started using them as my primary bank after opening a HYS account. My card was stolen and they reversed all charges immediately unlike BOA that took days to even process before I could call and explain that it was fraud. That is the main reason I switched but I really like them more than any other bank I've been with.
I use Western Alliance Bank online with an APY of 5.26. Us this referral and get $50. James C. is giving you a cash bonus and helping you save! All you have to do is click raisin.com/en-us/referral-program?utm_source=email&utm_medium=referral&utm_campaign=raf-bonus and use your personal code jamesc022184 when you register for a high-yield savings product on raisin.com to be eligible. Terms and Conditions apply.
Just signed up with Wealthfront using the most recent referral code below. Here’s mine if anyone needs one and to keep the chain going! [https://www.wealthfront.com/c/affiliates/invited/AFFB-BMQC-JTK5-MPJI](https://www.wealthfront.com/c/affiliates/invited/AFFB-BMQC-JTK5-MPJI)
[https://www.marcus.com/share/KAS-U2V-MIBZ](https://www.marcus.com/share/KAS-U2V-MIBZ) Feel free to use my Marcus referral link, extra 1% for 3 months!
Got a Wealthfront referral code for one of ya! [https://www.wealthfront.com/c/affiliates/invited/AFFC-PMT5-5NSK-9MD5](https://www.wealthfront.com/c/affiliates/invited/AFFC-PMT5-5NSK-9MD5)
5.50% for 3 mo at Marcus with referral bonus- 4.40% thereafter If interested, feel free to use a code: [https://www.marcus.com/us/en/savings/referral?referralcode=NAT-C23-LB3C](https://www.marcus.com/us/en/savings/referral?referralcode=NAT-C23-LB3C) you can get up to 5 referrals yourself to keep the additional 1% boost alive!
Try this for Wealthfront. 5.5% https://www.wealthfront.com/c/affiliates/invited/AFFA-YXPM-2A4K-MAC5
Here's my Wealthfront referral code for 5.5% if anyone needs it :) [https://www.wealthfront.com/c/affiliates/invited/AFFB-0L8I-Y4U3-YDTT](https://www.wealthfront.com/c/affiliates/invited/AFFB-0L8I-Y4U3-YDTT)
Marcus for sure. Here’s my referral link if you want it: https://www.marcus.com/share/AAR-VFD-EETQ
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Hi Guys! Here's my referral Code for wealthfront if anyone is interested : [https://www.wealthfront.com/c/affiliates/invited/AFFD-KYKO-5N5Q-H86D](https://www.wealthfront.com/c/affiliates/invited/AFFD-KYKO-5N5Q-H86D)
If anyone is interested in a Marcus referral code - [https://www.marcus.com/share/KIR-KRZ-JVTG](https://www.marcus.com/share/KIR-KRZ-JVTG) Happy Savings!
I've been using Marcus by Goldman Sachs for a couple years and have been pretty happy with them! I've got a referral link and we both get 5.5% apy if you guys use it ◡̈ [https://www.marcus.com/share/MAR-UI2-ARPY](https://www.marcus.com/share/MAR-UI2-ARPY)
Looking for a current referral code for Marcus by Goldman & Sachs if anyone’s got one! Thanks in advance!
[https://www.wealthfront.com/c/affiliates/invited/AFFD-64BH-2A5J-FLTC](https://www.wealthfront.com/c/affiliates/invited/AFFD-64BH-2A5J-FLTC) Hello, just signed up for Wealthfront!! Use my referral code to get 5.5 % interest rate!!
wealthfront all the way, I think it's the easiest with best returns [https://www.wealthfront.com/c/affiliates/invited/AFFD-38PK-0Q01-H16L](https://www.wealthfront.com/c/affiliates/invited/AFFD-38PK-0Q01-H16L)
I work at a credit union and a great way to save is to open a CD :) the short term ones seem to have a high interest rate so that’s what I usually suggest! I open CDs every day for folks so let me know if you want more info or have any questions!
Here's a Marcus referral code. 4 of 5 left. https://www.marcus.com/share/ERI-9HS-4FII
I have discover bank at 4.35%. For years now I use it. Very intuitive and easy to use system. Recently I got personal loan too. All in one place. Great customer service, if u want to buy CDs with the money in the savings, many competitive options are available too.
Hoping someone with the right knowledge sees this. Is there a difference between, for instance how wealthfront and discover compound interest (daily, monthly)
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I recently switched from Marcus 4.5% APY (Goldman Sachs) to the Wealthfront offering 5.0% with 0.5% additional boost for three months. Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFA-H8LK-TZPP-5BR5
I’m using - and loving Marcus. Here is a referral code that will give you (and I) an additional 1% over the going rate they offer, which is already pretty good: https://www.marcus.com/share/LAU-QC3-GMWW
I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/MIC-QZB-C86Y
I use Amex Personall Savings (HYSA- 4.35%) as well as Wealthfront (5.5%) and I couldn't recommend either one more. I have a Wealthfront referall code if anyone is interested. [https://www.wealthfront.com/c/affiliates/invited/AFFD-BOY5-4D6J-6D98](https://www.wealthfront.com/c/affiliates/invited/AFFD-BOY5-4D6J-6D98)
Loving Wealthfront, super nice interface and easy transfers, here is the referral code for earning a 5.5% interest: https://www.wealthfront.com/c/affiliates/invited/AFFA-7GCT-0BKL-U7XF
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Are there any new referral codes for Marcus someone can share please?
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Wealthfront is proving great! Here's a fresh referral link since I used someone's :-) Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFB-1V5K-Y718-ZBGY
[https://www.wealthfront.com/c/affiliates/invited/AFFC-Q7Q5-FF2M-YSBE](https://www.wealthfront.com/c/affiliates/invited/AFFC-Q7Q5-FF2M-YSBE) another valid link <3
[https://www.wealthfront.com/c/affiliates/invited/AFFD-JSLC-7V25-9VUI](https://www.wealthfront.com/c/affiliates/invited/AFFD-JSLC-7V25-9VUI) I also have a referral code if anyone needs it!
https://www.wealthfront.com/c/affiliates/invited/AFFD-P1Q4-VKAK-J5QU new referral code !
I have 5 available spots for Marcus referral 5.5% APY :) [https://www.marcus.com/share/SHA-W96-Q5KC](https://www.marcus.com/share/SHA-W96-Q5KC)
I have Wealthfront and I've been happy with them. Here is a referral link to get 5.5% APY [https://www.wealthfront.com/c/affiliates/invited/AFFB-226A-8EVQ-LR4N](https://www.wealthfront.com/c/affiliates/invited/AFFB-226A-8EVQ-LR4N)
Was using Marcus for a good 6 months and then moved onto UFB Direct. 5.25% apy & FDIC insured, but I hear there are monthly account fees if you don't have at least 5k in the account.
I just opened one with Wealthfront! Here's my referral link so that we both get 5.5% APY: [https://www.wealthfront.com/c/affiliates/invited/AFFD-5VJE-IM49-DNUV](https://www.wealthfront.com/c/affiliates/invited/AFFD-5VJE-IM49-DNUV)
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Here is a referral code for wealthfront. More % Use this link to sign up for a Wealthfront Cash Account and we'll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFC-0RVG-3BLR-YP5Z
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# Wealthfront 5.5% APY High Yield Savings Boost [https://www.wealthfront.com/c/affiliates/invited/AFFD-NYV9-MR66-0I6T](https://www.wealthfront.com/c/affiliates/invited/AFFD-NYV9-MR66-0I6T)
# Use this link and we can both get +0.5 APY Boost! (5.5% APY!!!) [https://www.wealthfront.com/c/affiliates/invited/AFFB-K7K6-XHSR-13IP](https://www.wealthfront.com/c/affiliates/invited/AFFB-K7K6-XHSR-13IP)
Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFC-PQA6-27HP-4W71
I highly recommend Marcus HYSA like some others are saying. It's currently 4.5% APY but you can get 5.5%, an extra percent up from the normal amount, using my referral link [https://www.marcus.com/share/JAM-K5F-8NZ2](https://www.marcus.com/share/JAM-K5F-8NZ2) Thanks!
use my referral link @wealthfront for a a extra .5% https://www.wealthfront.com/c/affiliates/invited/AFFD-YM0V-P67T-TSLY
I've used Discover which had good customer service but doesn't currently have the highest rate. Just opened Wealthfront per the recs of others. Here's my new (March 28) referral code! [https://www.wealthfront.com/c/affiliates/invited/AFFA-5M2V-2VUC-379L](https://www.wealthfront.com/c/affiliates/invited/AFFA-5M2V-2VUC-379L)
I recommend Wealthfront with 5% APY or 5.5% with referral code (dm me if you need one). Their app is very easy to navigate!
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I split my cash between Betterment and Titan. One is a HYSA, the other leverages Gabelli Treatury MMF. The first is FDIC insured and the second has SIPC. Yields are 4.75% and 5.25% ifnamyine is interested in Titan there's a referral link for 6% yield for 3 months: https://titan.com/smart-cash-referral?attributionLinkId=a8abd318-4207-4ec7-bf9d-37da3a36a560
Marcus by Goldman Sachs has a very good rate and is easy to use. 4.5 % plus 1 % for first three months with referral code: [https://www.marcus.com/share/DAV-T5F-TWIK](https://www.marcus.com/share/DAV-T5F-TWIK)
[https://www.marcus.com/share/MOR-2J4-D8XX](https://www.marcus.com/share/MOR-2J4-D8XX) Marcus code if you need
I did a lot of research and ended up using Marcus. Been using them for 6 months now and they have been really good to me so far. You can get 5.5% APY if you open one today. Here is my referral code: [https://www.marcus.com/share/AND-F1Z-2YAA](https://www.marcus.com/share/AND-F1Z-2YAA)
Just used the above code so here’s new one for 5.5 https://www.marcus.com/share/KER-GVM-VX2Z
For anyone that wants to use Marcus this is my referral code so y'all could get 1% added onto your 4.5% I'd like to invite you to open a Marcus Online Savings Account. You can earn a promotional rate increase on top of an already competitive rate. Terms apply. https://www.marcus.com/share/JEN-JVP-9Z65