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| Investing & Banking stocks, bonds, banking interest rates, CDs and all other investment vehicles you want to talk about |
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Also, I've done away with the dual listings. All offerings are now listed together. Color coding distinguishes some accounts from others. I'm planning a new format for this listing that I intend to employ some time in December. |
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These are great listings. Thank you so much for your hard work. It helps a lot of us that don't know how to access that kind of information.
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GMAC's rate seems to fluctuate more than anyone else. Also, whenever GMAC raises their rate, based on past history, you can expect the next move to be downward and to happen within 30 days. That's not meant to come off as my being negative about GMAC. I understand that the account, site, and customer service are all good, and it seems GMAC does maintain a good rate. I am just making an observation. |
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Sorry, I'm just not sure of the purpose of this post. BTW, in case you didn't know, this thread begins with a lengthy listing of MMA/Savings accounts and current rates, etc., including HSBC. |
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OneUnited has raised their rate from 5.25% to 5.30%. However, I read that you have to have a minimum balance of $1000 to qualify for the higher APY. I guess that means if you have a balance lower than the $1000, then you continue to receive 5.25%.
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Updated the listing as of 01/01/07 As the previous posters mentioned: OneUnited now requires $1,000 to open and to earn the stated interest. This account now offers 5.30% APY GMAC dropped their rate to 5.20% (Commentary: Does anyone move their rate more than GMAC?) There were a couple of other tweaks on the listing. Nothing significant. |
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About 6 months ago, I opened an account with UFB Direct. They offered, and still offer, one of the highest MMA rates on this list (thanks again poundwise for keeping this up!).
I just found out that they ran a credit report when I opened the account. So now I have a "hard" inquiry that stays on for 2 years and may lower my FICO score. Fortunately, I'm not planning to apply for credit this year, so it won't affect me. I went back and checked the fine print on my signature card, and sure enough, I authorized them to pull the credit report. Who reads that fine print, anyway? Seems pretty bizarre that I'm giving them my money, and they want to know if my credit is good enough. |
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__________________
The easiest thing of all is to deceive one's self; for what a man wishes, he generally believes to be true. - Demosthenes |
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