Midpack
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This is not another alternative to cash thread, and not a CD thread, it's a best place to keep liquid cash question? Though Vanguard was/is supposedly considering getting into online banking, I'm tired of waiting and getting a 0.02% return on VMMXX. So I am researching options for savings. The local banks seem to be in the 0.25% range, but it appears I can get 0.75-1.0% at Ally, PenFed or ING for example. I know I'll be limited to X transactions/month or /year and there will be a minimum account $ - no problem with either for a higher rate. I know I've seen references to PenFed and Ally here, though much of that has been re: CDs - not "savings." Am I missing something?