I am looking to diversify my savings a bit more and have found some banks online that have savings rates at .95%. When I diversified last HSBC was at a high interest rate but now it is less than my main credit union (Tinker which is at .02%). I see that Bank of the west is a bit higher at .03 but I want to try to get something closer to the .95 I saw at other banks. I want to try to keep it local if possible so I am not hitting my limit of 6 transfers a month with Tinker if at all possible. My car loan will be paid off soon, so that will give me a small bit more money to be able to save. Credit Unions are best for me, but I will do a bank if need be.
Thanks

https://www.tinkerfcu.org/index.php/checking/click-checking/

1.49% up to the first $30,000. So it's about $40 a month.

Years ago; that account paid 4% which would have been $100 a month.

I'm also interested in ways to make money, make money. And not really interested in the "million dollar portfolio"(after 40 years).

Some big money has been made shorting Tesla stock(not by me).

Has to be a savings account. The only reason why I have a checking now is because it came with my car loan. Thanks though.

Has to be a savings account. The only reason why I have a checking now is because it came with my car loan. Thanks though.

Interest rates on savings may start climbing if they stop pumping the fed.

Has to be a savings account. The only reason why I have a checking now is because it came with my car loan. Thanks though.If a checking account pays more, why not use it? No law says you have to write checks against it. I maintain a separate checking account as my escrow fund, for saving to pay my taxes and insurance. I write precisely two checks every year on it (actually only one, I pay the insurance premium on line).

If a checking account pays more, why not use it? No law says you have to write checks against it.

I agree... You have to meet some requirements with the checking but I keep at least 30k parked in my TFCU Click Checking account at all times and meet the requirements every month and I make about $600 a year off that.

Only other suggestions I have aren't local options but I've used both ING (Now CapitalOne360) and Ally over the last few years for just savings and CD's..... I still hold my estimated income tax payment in the CapitalOne360 account so it at least makes a little interest over the year.

I know it's off topic but I just don't understand people that overpay their taxes when the government doesn't pay them any interest for holding that money.

I agree... You have to meet some requirements with the checking but I keep at least 30k parked in my TFCU Click Checking account at all times and meet the requirements every month and I make about $600 a year off that.

Only other suggestions I have aren't local options but I've used both ING (Now CapitalOne360) and Ally over the last few years for just savings and CD's..... I still hold my estimated income tax payment in the CapitalOne360 account so it at least makes a little interest over the year.

I know it's off topic but I just don't understand people that overpay their taxes when the government doesn't pay them any interest for holding that money.

Yep. You're better off to underpay and use that money to invest or park in a high yield savings account until it's due (and pay it at the last minute in April). If they will owe you money, you are better off filing as soon as possible.

Lets just say I have had bad history with bounced checks in my 20s and the banks don't like to give me checking accounts.

Lets just say I have had bad history with bounced checks in my 20s and the banks don't like to give me checking accounts.

If the bank uses chexsystems (which is probably does) your status has to be clear for at least two years before being able to get a checking account.