Quote:
Originally Posted by ea1776
Can anyone recommend a hand full of them that:
a) Have a good track-record for not changing rates very often.
b) Have a good track-record for having relatively high competitive rates.
c) Don't nickel and dime you for online withdrawals/deposits (or any other "common uses" for the savings accounts for that matter).
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Having maintained this listing for over two years, I can tell you that I've seen rates rise and fall and, though I've not specifically run a chart and tracked the movement, I'm familiar with which accounts are the most steady and which are not.
Of all the accounts in the top 12-15 of the listing, OneUnited stands out as a solid, consistent offering at one of the highest rates. Their site is nothing special though perfectly functional and you have to open and maintain the account with $1K. Otherwise, I don't think there is another account that has been so high on the listing for so long with little vertical movement on the list.
Among the newer offerings, iGOBanking has held firm better than most. Though the rate has fluctuated, as they all have, it doesn't rise as high or fall as low as many others. They also seem to have a simple system and it is easy to open an account; only $1 is needed for a initial deposit and a minimum balance.
These are not the only accounts I recommend, however, those are the two that come to mind first when addressing the specific qualifications you outlined.