EverBank is offering 3.01% APY rate on its FreeNet high interest cheking accounts for the first three months. After the first three months the APY’s adjust to a lower, but still respecable 1.96% APY.
EverBank backs up their claim with something they call YieldPledge. YieldPledge promises to offer yields that will continuously rank in the top 5% of competitive accounts of leading banks and thrifts, as tracked in the Bankrate.com National Index. They also back it up with a $50 “satisfaction guarantted” pledge – if you are unhapy just let tmen know within 30 days of your first three months with them and they will send you $50.
EverBank’s competitive rates may be just what you’re looking for in building your CD Laddering strategy.
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{ 1 comment… read it below or add one }
I’m getting really competitive rates with a product called easyGROW Checking at First Bank & Trust. You can go to http://www.easyGROWchecking.com for the info (including the current interest rate); but to summarize, it is a free high-yield account that also offers ATM fee refunds when I meet the three qualifications: using my debit card at least ten times, receiving e-Statements, and having a least one direct deposit or automatic payment each cycle. I do all of those things anyway, so it’s been really easy for me to qualify…and they send me an email each month to let me know if I met the qualifications. I have to admit, I love not having to worry about whether or not an ATM is on my network, and the interest is already starting to add up. It only takes $100 deposit to open the account, and there is no minimum balance.