It’s Time To Save
I came across an article on USA Today about the rising high yield saving account rates. It looks like my beloved ING Direct isn’t paying the highest interest at all.
While ING Direct pays a handsome 3.8% with no fees, these banks pay far more in interests:
1. HSBC (Savings) : 4.8% www.hsbcdirect.com
2. GMAC Bank (Money Market) : 4.65% www.gmacbank.com
3. UmbrellaBank.com (Money Market) 4.61% www.umbrellabank.com
4. Virtual Bank (Money Market) 4.6% www.virtualbank.com
5. Heritage Bank (Money Market) 4.49% www.heritagebankna.com
6. EmigrantDirect (Savings) 4.25% www.emigrantdirect.com
But be careful of the promotional season. I just checked HSBC and it’s 4.8% only lasts until April 30. If you have some cash right now, it is a great time to lock in the great rates.
Fed is going to raise rates again later this month. It seems that the savings rates and CD rates will keep going up, so will the home equity line or any other loan rates. It’s really a great time to start saving and cut down on the usage of equity line. A lot of us (including my close friends) think that home equity line is a great source for crisis money. When it was 4% not long ago, it wasn’t a bad debt, however, as the rates are shooting through 8%, it gets quite expensive in case you need to borrow.
So, time to take a look at the budget pie and figure out how to save a few valuable dollars for the future.
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