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Originally Posted by Broken Arrow
Ouch.
GMAC was my planned fallback bank if E-Loan ever goes south on me.
All of their recent rate drops, however, is making me consider a different bank.
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As one who has stayed involved in monitoring these banks and rates for quite a while now, I would point out that OneUnited held a rate of 5.25% APY for several months until recently when they moved upward slightly to 5.30% APY. Amboy Direct has also held a 5.25% APY rate for quite some time having been 5.15% prior to that. Also noteworthy is that HSBC and Emigrant have both held their current rate of 5.05% APY for a while and both have a lot of advertising, which includes their rate, and so that seems to me to make it less likely that they would fluctuate as much.
That is not to say that E-Loan, Apple Bank, etc. are not worthwhile, just that these others I've mentioned stand out in my mind as being more firm with their going rates.