Keep in mind that Raisin is NOT an online savings account. It is a platform that connects you to banks & CU’s offering slightly higher rates. There are limitations on how you can deposit and withdrawal funds.
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Remember also that interest from savings accounts are subject to state AND federal taxes. Interest from treasury direct accounts and some money market accounts that hold only federal instruments are only subject to federal taxes. You have to determine the after-tax net to make a comparison.
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Fairwinds CU just raised our interest rate above 3%. I am old-fashioned and rather deal with a brick and mortar institution than online.
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If Fidelity or Schwab have convenient locations for you another option is a Treasury Money Market Fund. The current yields for Clark’s three favorite discount brokers Treasury Money Market Funds are in the 3.3 to 3.6%. As 505Badgolfer mentioned, the treasury funds are exempt from state and local taxes.