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Jeraly

US Savings accounts

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I'm just trying to figure out the best place to stick our savings when I move so we can use it as a deposit for a mortgage when we are ready to buy.

I don't mind tying it up for a year in a bond or something but I am totally clueless as to where to start looking for savings accounts and bonds that have decent interest rates. In the UK we have ISAs where you don't have to pay tax on the interest - I just wondered if anyone had any bright ideas for saving?

Cheers!! :D


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Filed: K-1 Visa Country: Australia
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obviously I don't have much knowledge about the US, but I recommend ING to everyone, as a great everyday savings account - they always pay a high rate of interest, you can access your money with a very minimum delay, and there are no fees or charges, ever :)

you have to link it from an existing bank account - ie you can't withdraw from it directly - but I've never found that a problem... you just move your money back and forth via the internet or phone, and then withdraw it from the linked account via ATM or whatever

I have ING accounts in Australia and the UK (the Australian one is paying over 7% right now :o ), and Dave has one here in the States, and I have always found them excellent :D


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Am quite sure Gimli fancies me. So unfair. He is waist height, so can see advantages there, but chunky braids and big helmet most off-putting. Foresee dark times ahead, very dark times.

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Hmmm sounds cool - I know mum has mentioned Ing before but didn't realise they were worldwide :D


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(¸.•´ .•´ ¸¸.•¨¯`•? •

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Filed: IR-1/CR-1 Visa Country: Canada
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We have ING. Think right now the interest rate is 3%. Was over 4% at 1 time.


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Visit http://bankrate.com/

Its a very comprehensive site for all your banking/borrowing needs. Gives you all the information you will need.


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Filed: Citizen (apr) Country: Colombia
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HSBC online has a 3.50% APY for online savings accounts.

Diana


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Filed: IR-1/CR-1 Visa Country: England
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HSBC online has a 3.50% APY for online savings accounts.

Diana

Almost :P HSBC is 3.05% My wife has this account and we have found it very easy to operate. You can get better rates elsewhere, but this is a pretty good rate and I like the additional security of banking with a large organisation that I know.

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Filed: Country: Jamaica
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I agree.....we use ING too. So far, I really like it.


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we use ING and I have to say - they are wonderful. No issues whatsoever. Their customer service so far is second to none.

Would recommend them to anyone.


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Filed: Citizen (pnd) Country: Canada
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We have a GMAC online savings account and we are getting 3% or so right now. Was very easy to set up, and we have auto deposit set up now as well. The interest is adding up. :)

Just make sure that you find out if they have any rules or regs as far as fees are concerned (ie. minimum balance, etc).

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Filed: K-1 Visa Country: Australia
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that's on of the reasons I like ING so much - no minimum balance, no minimum monthly deposit, no fees, - just great rates and excellent customer service, as perfect said :)

I've had other savings accounts in my time that were good, but I've never found one as simple and straightforward and all-round great as ING

I just wish I got commission from them... I've recommended them to about six people who went on to get accounts and be equally as satisfied :D


061017001as.thumb.jpg

The Very Secret Diary of Legolas Son of Weenus - by Cassandra Claire

Day One: Went to Council of Elrond. Was prettiest person there. Agreed to follow some tiny little man to Mordor to throw ring into volcano. Very important mission - gold ring so tacky.

Day Six: Far too dark in Mines of Moria to brush hair properly. Am very afraid I am developing a tangle.

Orcs so silly.

Still the prettiest.

Day 35: Boromir dead. Very messy death, most unnecessary. Did get kissed by Aragorn as he expired. Does a guy have to get shot full of arrows around here to get any action? Boromir definitely not prettier than me. Cannot understand it. Am feeling a pout coming on.

Frodo off to Mordor with Sam. Tiny little men caring about each other, rather cute really.

Am quite sure Gimli fancies me. So unfair. He is waist height, so can see advantages there, but chunky braids and big helmet most off-putting. Foresee dark times ahead, very dark times.

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Filed: Citizen (apr) Country: Ethiopia
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The best interest rate are online savings accounts. The are available from many banks: ING, WaMu, HSBC, etc. I have personal experience with WaMu and HSBC, both are great.

Just read up on the qualifications for each account. With WaMu you have to link the savings account to a checking account, but they have a free checking account. No fees of minimums on either. Whereas HSBC you can just open a savings account by itself to qualify for the ~ 3% interest.

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Filed: AOS (apr) Country: Philippines
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HSBC online has a 3.50% APY for online savings accounts.

Diana

Almost :P HSBC is 3.05% My wife has this account and we have found it very easy to operate. You can get better rates elsewhere, but this is a pretty good rate and I like the additional security of banking with a large organisation that I know.

Actually HSBC is now advertising 3.50%...... (was 3.05% in May).....

Also check Provident Bank Direct.....

These rates are subject to change weekly and the #1 bank rate this week may not be next week....


YMMV

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Filed: K-1 Visa Country: United Kingdom
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Banks will have deals going on all the time for certain perks.

I would highly reccomend finding a bank that reimburses your ATM fees when you withdraw from a cash machine that is not connected with your bank. I used to have an account with a bank like that and it was super nice as those $2.50 fees do add up (especially when you are on vacation).


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Filed: IR-1/CR-1 Visa Country: England
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HSBC online has a 3.50% APY for online savings accounts.

Diana

Almost :P HSBC is 3.05% My wife has this account and we have found it very easy to operate. You can get better rates elsewhere, but this is a pretty good rate and I like the additional security of banking with a large organisation that I know.

Actually HSBC is now advertising 3.50%...... (was 3.05% in May).....

Also check Provident Bank Direct.....

These rates are subject to change weekly and the #1 bank rate this week may not be next week....

I stand corrected. :blush: Apologies to Diana. It looks like the HSBC rate is a teaser rate though, just till Aug 15th but still worth taking of advantage of.

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