Discuss (23) -
Posted at 1:54 AM on Wednesday 01/28/09 by
Ben
Hotness UNHOT
HSBC Direct offers 2.45% in their online savings account. Minimum balance to open is $1. If a third party charges you to use their ATM in the U.S., HSBC will rebate up to three of these fees based on transaction date order during the calendar month.

WTDirect.com - Wilmington Trust Direct is offering a 2.81% APY for an account balance of $10k. FDIC-insured up to $100,000 per depositor with Wilmington Trust FSB.
  • 1
    sillymackids - Posted 3:20 am PST 01/28/09 (227 Posts)  Report Spam

    isn't FDIC insurance now up to $250k?

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  • 2
    gearedsteam - Posted 3:35 am PST 01/28/09 (79 Posts)  Report Spam

    sillymackids, you are correct... FDIC insurance was temporarily increased to $250k until the end of 2009.

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  • 3
    Mcgriff - Posted 4:43 am PST 01/28/09 (194 Posts)  Report Spam

    I got 3.00 apy at PNC
    Bitches

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  • 4
    flaming_goat - Posted 5:04 am PST 01/28/09 (74 Posts)  Report Spam

    3.5% at dollarsavingdirect (it was 4% up till about 3 days ago.) It has full FDIC insurance and is a subsidiary of emigrantdirect.

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  • 5
    flaming_goat - Posted 5:05 am PST 01/28/09 (74 Posts)  Report Spam

    Forgot to mention there is a $1000 minimum deposit (which as far as savings account minimum balances go, is pretty low.)

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  • 6
    shapeshifter08 - Posted 5:29 am PST 01/28/09 (678 Posts)  Report Spam

    It's only till 2009 for the increased FDIC? Well, not like it really mattered to me...

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  • 7
    bigking777 - Posted 6:10 am PST 01/28/09 (1917 Posts)  Report Spam

    flaming_goat wrote:
    Forgot to mention there is a $1000 minimum deposit (which as far as savings account minimum balances go, is pretty low.)


    That's going to takes three years for your average Ben's poster to beg for that much change.

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  • 8
    joe36pack - Posted 6:33 am PST 01/28/09 (73 Posts)  Report Spam

    These rates nowadays are ridiculous. One would expect such return from interest checking not savings.

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  • 9
    NotBen - Posted 6:34 am PST 01/28/09 (811 Posts)  Report Spam

    GMAC Bank has better rates

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  • 10
    sumnumbnutz - Posted 6:53 am PST 01/28/09 (243 Posts)  Report Spam

    Oh, how I yearn for the days of 5% interest at HSBC.

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  • 11
    JakeBlade - Posted 7:08 am PST 01/28/09 (650 Posts)  Report Spam

    Congress is trying to make the $250K permanent.

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  • 12
    flaming_goat - Posted 7:31 am PST 01/28/09 (74 Posts)  Report Spam

    Hopefully they will. Due to the immense amount of money being "printed" by our government these days, super-inflation should kick in pretty soon and 250K probably won't even be that much money...

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  • 13
    muzhik - Posted 7:42 am PST 01/28/09 (633 Posts)  Report Spam

    I got 3.25% @ provident bank...

    www.provident-direct.com

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  • 14
    RKLE - Posted 7:45 am PST 01/28/09 (8910 Posts)  Report Spam

    Don't count on getting much here.

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  • 15
    Budman - Posted 8:25 am PST 01/28/09 (827 Posts)  Report Spam

    250K in FDIC Insurance is not guaranteed. Banks have to pay additional premiums to offer this level of coverage and I'm not certain it was mandatory after the first 90 days (or something like that... I forget the exact wording of the memo I received). It would be prudent to ask if you really have a deposit of that size.

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  • 16
    the lawyer - Posted 8:53 am PST 01/28/09 (4118 Posts)  Report Spam

    ing direct is what I use 2.43%

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  • 17
    meetnewmrindia - Posted 9:05 am PST 01/28/09 (149 Posts)  Report Spam

    didn't HSBC few days ago needed $30B to bail them out??

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  • 18
    sdgodfrey8 - Posted 9:32 am PST 01/28/09 (125 Posts)  Report Spam

    Etrade has a 3.01% savings account with minimum deposit of only a $1.

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  • 19
    sbcolt15 - Posted 10:59 am PST 01/28/09 (62 Posts)  Report Spam

    3.30% at Savings Square: http://www.savingssquare.com/

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  • 20
    sbcolt15 - Posted 11:00 am PST 01/28/09 (62 Posts)  Report Spam

    A good place to look for the best rates with reviews: http://www.emoneycentral.com/Savings-Money-Market-Rates.1940html
    The page is updated almost daily.

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