Emigrant Direct has raised their rates again. If you’re opening an account, don’t miss out on your up to $20 bonus through signing up with Emigrant Direct here!
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It’s about time. Still think I am going to drain my account with them (except for a hundred or so) by laddering 4 weeks treasuries. Already started this this week. GMAC still pays more.
Offtopic: But anyone know how to link Paypal and HSBC? Before you guys tell me to dump Paypal… I sell stuff on Ebay fairly often. Right now I have it linked to ING but like everyone else.. I’m a rate chaser.
Would you please tell me how do link Paypal with ING? Thank you.
Denny,
There’s a link “Direct Deposit Form for this Account” when you log into ING and click on your account. Use that info to add ING to Paypal.
I’m not impressed. Emigrant Direct was the rate leader in 2005. They aren’t even trying to keep up this year.
I would like to sign up.
-garrett
Cool, about time. Unfortuantely we just drained the majority of our account there to do upgrades on the house.
mc,
GMAC requires a $500 minimum to avoid fees. I just checked Bankrate.com for the latest rates, Emigrant still leads all money market accounts that have no minimums and no fees.
Emigrant still has one major upside: HSBC is a friggin’ 3 week massive headache to join; Emigrant signup takes like 10 minutes.
ING is also uber-easy for signups.
HSBC is also great but please enjoy the gnarly, P.I.A. signup process. Thank a ewe…
If you don’t have enough money to meet the minimums for accounts that pay higher rates, then it’s likely that it won’t matter much what your rate is anyway.
For example, let’s say you have $1000 in your online savings account. At 4.5% , that’s $45 interest per year. at 4.0% you get $40. Once you pay taxes, the actual difference is a couple dollars.
It makes a lot more sense to find the account that has the features and service you want than to chase rates. And if you have enough that the rate does matter, look into Vanguard. The prime money market fund is currently yielding 4.76%, and you can easily move your cash to other mutual funds that way.