Credit Review

Savings and Credit news, tips, offers, etc. Pretty simple, but hopefully really useful.

Friday, February 10, 2006

top 4 internet savings accounts compared

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My friends know me as the Yoda of Online Savings. I'm always wondering around muttering things like build emergency fund, you will or pays 4.25%, Emigrant does or perhaps credit card debt leads to fear, fear leads to anger, anger leads to suffering.

Yep, you just can't get around it; I'm a big fan of high yield internet savings accounts. Below you'll find a quick summary of all the major (highest paying) players. All accounts have no fees and no minimums. Simple. Easy. No affiliate links. Just great tools to help you put away cash until you need it.
Bank Interest Rate Review Signup Bonus
HSBC Direct 4.80% until 04/30/2006
Variable thereafter
Signup requires waiting for snail mail.
Good rates and functional interface.
Free ATM card!
$25 with promo code START
ING Direct 4.75% until 04/15/2006
3.80% thereafter
Best interface and support
Easy to use and signup is a breeze
Referral bonuses for Savings and Mortgage
$25 with invite
(see below)
Emigrant Direct 4.25% Highest non-promo rate
Poor support/interface
MasterCard with 1.25% cash back
NA
Capital One 4.00% Name Brand
Easy to use and setup
Second highest non-promo rate.
NA


PayPal Pays well too
PayPal offers pretty good non-FDIC insured returns on their money market accounts (which pays on your PayPal account balance). I've been earning in the 4.3% range. It is pretty simple to signup so I’d suggest checking it out.

ING Direct Invites
You can post invites or find invites here. I also have a few left to give out so feel free to email me at 2e{at}xents.com Oh, and FYI, I make $10 off an invite if your do signup through me.

Did I miss something?
Have your own experience or review to share? Did I miss something? Please post to the comments section. I plan to regularly post updates to this list to keep it current.

13 Comments:

At 11:22 AM, Blogger waterboy said...

Emmigrant Direct does not allow trusts. Most banks will.

 
At 11:21 PM, Anonymous Russell Christensen said...

You forgot Virtual Bank!

Their eMoneyMarket account has a $100 minimum balance requirement BUT allows you to earn $1000 from their referral program and is currently at 4.6% APY.

 
At 8:56 AM, Blogger "The Pallid Squirrel" said...

I opened an HSBC account with the 'start' code, but I never received the $25 bonus. Just to let you know. Am still happy with my account, of course.

 
At 9:04 AM, Blogger individualist said...

squirrel: thanks, I'm still waiting on my $25. It may not get deposited until you've had the account for 6 months.

 
At 4:58 PM, Blogger Larry Linkler said...

Excellent advice about credit :)

 
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At 11:12 AM, Anonymous Anonymous said...

even though i"m an "Existing" ING customer, I don't see the higher rates YOU listed on the ING site

 
At 1:33 AM, Blogger Marvin Economies Mind said...

PayPal offers a fantastic, free-to-set-up shopping cart that is great for lower volume sales. A percentage of each of your sales goes to them as fees. In addition, you can automatically take major credit card payments without setting up credit card merchant services. This saves you $300-$400 right away. However, for high volume sales you may pay less by opting for a shopping cart vendor that charges you a monthly fee rather than a percentage of your sales. http://www.infyecommercesolution.com/

 

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