Kukurira mari yako nokukurumidza uye nyore kupfuura kare kare
Pakati pekutarisa mabheji iwe unoshandisa kwemazuva nezuva kushandiswa uye mari dzekutsinhanisa dzinoshandiswa kwezvinangwa zvekugara kwenguva yakareba ibasa rekuchengeta. Nhoroondo dzekuchengetedza mabhuku eDBIC akachengetwa mabhengi apo iwe unogona kuchengetedza mari nekunaka.
Nekuda kwekuda kwekuda kwekudarika kunonzwisa tsitsi pamabhanki makuru ezvitini uye matope, kana iwe ukaona paIndaneti uye nechetsetse yemabhangi munyika yose, unogona kuwana mhete yepamusoro pezvikamu zviviri! Nharaunda inogona kuchinja chero nguva, saka kana iwe uchida kudzingirira huwandu hwemari, iwe unogona kuongorora nguva dzose uye kuendesa mari yako kumativi kuti udzike kunze kwemashoko mashomanana ekupedzisira - izwi rinoshandiswa kune imwe zana percent.
Ramba uchifunga kuti kune vose asi zvikwereti zvikuru, kushandura mabhenji kuwana imwe yenyuchi 0.05 muzana zvichida hazvina kukodzera kuedza. Kana iwe ukazarura bhuku rakawanda rekubika mari mubhangi raunoda, iwe unogona kuchengeta mari yako imomo kunyange kana rimwe bhengi richiuya nechepamusoro. Zvisinei, kana iwe ukawana chikwereti chako chinodonha chichiderera shure kwekuisa mari yakawanda, ungave wakachenjera kuendesa mari yako kune imwe nzvimbo kuti uite kuti iwe uwane iwe kuwana mamwe.
Uye kana iwe uri mumbure wakakwirira unokosha uye unofambisa mari yakawanda pakuchengetedza, yeuka kuti FDIC inshuwarheni inogumira. Kuparidzirwa kwemashoko kubva kuDDIC kunosanganisira $ 250,000 pamubhidha wekambani. Kana iwe uine kambani pamwe chete nemumwe wako, izvi zvinoreva kuti iwe unokwira kusvika ku $ 500 000 yemari yako yakagadziriswa nehurumende yeUnited States. Asi kana iwe ukachengetedza zvakawanda kupfuura yako FDIC yeruzhinji uye bhanhire rinosangana nematambudziko emari, mari yako inogona kuva pangozi. Izvi hazvisi basa guru mazuva ano, asi makore gumi chete apfuura panguva yeHurry Recession, mabhanga akawanda akakundikana uye akavhara masuo avo, uye avo vane zvinopfuura muganhu weDICIC vakachengetwa vangasawana zvose zvakadzoka.
Kana iwe uine mukana wakawanda wekusiya mari yekuchengetedza, iva nechokwadi chokuti ugare uchiziva nezvemiganhu ye FDIC kuitira kuti usaisa pangozi yekurasikirwa nezana remari yako yakaoma-yakawanikwa.
Iye zvino, nezvose zvakataurwa, heino mutsara wezvakanakisa kuchengetwa kwekodzero yemari muhurumende.
01 Best Overall: Popular Direct Exclusive Account Savings
Iko yakanakisisa yekuchengetwa kwenyika munyika sekunyorwa uku ndeye Popular Direct Exclusive Savings. Iyi nhoroondo inopa chiitiko chinoshamisa chechido che 2.00 muzana APY. Kufanana nenhoroondo dzose dziri pano, iyi FDIC inotsigirwa.
Kuti uzarure nhoroondo itsva uye uwane chikamu ichi, vashandi vepanhau vatsva vanofanira kuisa $ 5,000 zvishoma zvishoma yekuzarura. Nhoroondo yacho inopa zuva nezuva kuwedzerwa kufarira.
Popular Direct ndeyebhangi riri muIndaneti rinopa iyi yakabereka mazai ekuchengetedza uye maCD. Nhoroondo dzinowanikwa kuburikidza nemabhengi ekuIndaneti. Iwe unogonawo kuisa ku-akhawunti nekofoni yesadhi yepafoni yako, izvo zvinoita kuti zvive nyore kuwedzera pakuchengetedza.
02 Best for Balance Under $ 5,000: Salem Five Direct eOne Savings
Sarem Five Direct inopa chikamu chechipiri chekufarira chidimbu pakunakira 1.85 muzana APY. Iwe unogona kuzarura kambani ne $ 100 mari. Hapana huwandu hwemarikeri kana kambani yako yakazaruka, uye hapana mari yemwedzi.
Ichi chiyero chiri pamusoro pemadhora eCD kumabanki akawanda, asi sevamwe vari pane urongwa, iyo nhoroondo haisi nguva yakasungwa. Nhoroondo dzekuchengetedza dzinowanzova nemiganhu yematanhatu ekudzoka pamwedzi. Uyu muganhu wakagadzwa ne Federal Reserve Board Regulation D, saka usapomera mabhenji. Asi iwe unogona kuisa ku-akhawunti yekuchengetedza kakawanda sezvaunoda mumwedzi, zvichienderana nebhengi chero ipi zvayo inorayirwa.
Salem Five Direct inonyanya kuve mu Salem, Mass. Vashandi veAkaunti vanogona kuwana bhizimusi nekutengesa mabhizimusi, zvinyorwa zvemafaira, maziso ekunyora, uyewo kuendeswa kune dzimwe nhoroondo uye kune dzimwe mabhanga.
03 Best Best With Open Opening Dhipatimendi: DollarSavingsDirect Dhora Rekuchengeta Mari
Kana iwe uchida chikamu chepashoma chekuzarura, DollarSavingsDirect ndiyo nzvimbo yaunofanira kuenda. Uine chikamu chenguva yekuzarura ye $ 1 chete, unogona kuzarura kambani inobhadhara 1.80 muzana APY. Paunenge uchitarisa webusaiti isina kufanira, bhangi iri inshuwarisi ye FDIC kuitira kuti uzive kuti mari yako yakachengeteka.
Nhoroondo yacho haina zvigaro uye hazvibhadhari mari yakafanana nekodha imwe nhoroondo yekuchengetedza yakafanira inofanira. DollarSavingsDirect inowanikwa neEmigrant Bank, bhizinesi rekuchengetedza mabhanga nemidzi yakadzokera muna 1850.
Kana ukangozarura Dhora rako reDollarSavingsDirect rekuDhora reMari, iwe uchagadzirisa iyo account nekambani yekuongorora yakabatana, iyo yaungashandisa kuita munguva yemberi nekudzorera.
04 Best Best Introductory Rate: VirtualBank kuMoney Market
Iyi nhoroondo ndeyechokwadi kwete yekodha yekuchengetedza kambani, iyo iyo mari yemari yekuchengetesa kwemari. Asi kune vatengi vemabhengi, zvose zvaunofanira kuziva ndezvokuti zvinoshanda zvakajeka seimwe sarudzo yekuchengetedza uye FDIC inotsigirwa.
Iyo VirtualBank yeMoney Market account inonyanya kukoshesa pakuti inotsigira huwandu hwechido chegore rimwe chete kune vatsva vatsva ku VirtualBank. Iyi nhoroondo haisi mari isingabhadhari. Kunyange zvazvo isina chikamu chakanaka, iwe unofanira kuchengetedza $ 100 zuva rega rega kuenzanirana kuti usabhadhara mari ye $ 5 yemwedzi.
Vashandi veAcount vanogona kuwana iyo account yavo nefoni uye yebhengi uye chekuchengetedza chefoni. Mushure megore rimwe, nhamba yezvibereko inodonha. Ikozvino mazinga ari 0.80 muzana pama Standard Standard eMoney Market, izvo zvichiri pamusoro pepamusoro yevheji yekodha yekero yekaunti, asi pasi pemitengo yepamusoro inotora kuti iite urongwa urwu.
05 Best for High Balance Only: IncredibleBank High Kupa Kuponesa
IncredibleBank inotarisa kuongorora, kuchengetedza, uye maCD nemakwikwi ekukwikwidzana, asi kana iwe ukakwanisa kukwana $ 25,000 muyero, iwe uchakwanisa kuwana inoshamisa 1.76 muzana APY chikwata chekuda. Nhoroondo dzebhaari iri pasi pe $ 25,000 inowana 1,21 muzana APY.
Nhoroondo dzinoda $ 2,500 kuzarura zvishoma, asi iwe haufaniri kuva nehanya nazvo kana iwe uri kudzingirira yakakwirira 1.76 muzana APY chikwata chekuda icho chinoda katatu kuti uwane chikamu chekufarira.
Iyi bhanki inoda mabhizinesi eInternet uye e-zvinyorwa kuti urege kuchengetedza mari yepamusoro ye $ 5 yemapepanhau asi haina imwe yemwedzi yekuchengetedza mari. Nhoroondo iri paIndaneti mabhiiyo anosanganisira app mobile, bank-bank-transfer transfers nezvimwe zvinhu zvinobatsira.
06 Best pasina A Balance Inodikanwa: CIT Bank Money Market Account
CIT Bank, isingafaniri kuvhiringidzwa neCiti Bank, inopa mari yakanakisisa yemusika chikwata chechikwata chebhasikiti rezasi uye ine 1,75 muzana inoshamisa. Nhoroondo yacho inoda $ 100 yekuzarura zvishoma.
Iyi bhuku rekuchengetedza mari yeGoogle Market rinopa mabhizinesi eIndaneti uye chigadzirwa chinonzi People Pay chekuendeswa. Iyo nhoroondo haina mvumo yekuzarura kana mwedzi yemwedzi.
Kusiyana nemabhengi mazhinji ari apa, CIT inopa matarenda ebazi, nenzvimbo 71 muCalifornia maererano ne US Bank Locations. Asi kunze kweThe Golden State, unogona kuzarura uye kuchengetedza kambani yepaIndaneti.
07 Best Nepamusoro Pekuvhara Kwekuvhara Kwekuvhara Pasi PurePoint Account Savings Account
PurePoint Financial inopa gwaro rekuchengetedza nekunaka 1.75 muzana APY. Nhoroondo yacho inoda $ 10 000 zvishoma kusvitsa dhipatimendi, iyo ndiyo yakanyanya kudhura yekuzarura inoda pane urongwa urwu. Asi iyo inopa imwe yepamusoro mari yekuchengetedza munyika, saka iyo inofanirwa iyo kana iwe une $ 10,000 + kuti uise.
PurePoint Financial ndeyokugoverana kwe Mitsubishi Mitsubishi YF Financial Group. Zita iri harinyatsozivikanwi muUnited States asi ndiro rechishanu guru rezvemari munyika yose. California, Washington neOregon vagari vangave vanoziva imwe bazi rekambani: Union Bank. Bato reUnited States rinoshanda matare 398 mumatatu eWest Coast.
PurePoint inopa kukwikwidzana kwemitemo kumativi ose uye pasina mwedzi webhadharo, uye iri paIndaneti uye yebhengi. Iwe haufaniri kuchengetedza $ 10 000 muhomwe kuti udzivirire mari, asi chidimbu chako chekuderera chinodonha kusvika ku255 muzana APY yezviyero pasi pe $ 10 000 chikwata, kuitira kuti iwe unoda kuchengeta iyo $ 10,000 mari kana kutarisa kuisa mari yako kune imwe nzvimbo.