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Old 05-07-08, 06:32 PM   #1
Aphex Twin
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Countrywide Bank Savingslink vs. ING Direct

I've only used ING Direct's savings account and see that Countrywide's Savingslink has a full 1% additional APY rate on ING's. Anyone use Savingslink? How does it compare to ING?

Or would you recommend a completely different online savings account? I would like one that is 100% liquid.
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Old 05-07-08, 07:19 PM   #2
innocentfreak
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I have been using Countrywide for a while now and have been happy. I would recommend you check the fatwallet finance forums. They have threads dedicated to all the banks.
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Old 05-08-08, 02:15 AM   #3
atari2600
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i might check that out too - kind of depressing to watch my interest rate on my ING account go down every month, especially since the economy/real estate market sucks so bad too...
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Old 05-08-08, 06:58 AM   #4
Duran
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Countrywide has been fine for me. Given it the troubles with mortgages, however, I wouldn't put more than the FDIC insured limit in there.
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Old 05-08-08, 08:49 AM   #5
Heat
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How much money are you talking about? And when you say "liquid", how liquid do you need it to be? That is, if you get the money back in a couple days, is that liquid enough?
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Old 05-08-08, 08:55 AM   #6
4KRG
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I think this is the best Money Market type account right now

http://www.indymac.com/Individuals/B...tion=pdEMMRate

only a $1000 min

countrywide wants a $10k min now to get the best rate.

but this seems to change weekly at just about every one
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Old 05-08-08, 08:57 AM   #7
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What are Excess Transactions that CW charges for?
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Old 05-08-08, 09:11 AM   #8
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Quote:
Originally Posted by Venusian
What are Excess Transactions that CW charges for?
more than one withdrawal a year
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Old 05-08-08, 03:36 PM   #9
Aphex Twin
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Quote:
Originally Posted by Heat
How much money are you talking about? And when you say "liquid", how liquid do you need it to be? That is, if you get the money back in a couple days, is that liquid enough?
Yes, a couple of days is liquid enough. I just don't want it to be tied up for a month or more, having a penalty to withdraw. Do they seriously only allow 1 withdrawal per year or was that a joke? I don't recall reading that.

Are there any worries at all with Countrywide's solvency? The reason I didn't consider Indymac was their financial problems. Should these be concerns at all for a depositor?
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Old 05-08-08, 04:15 PM   #10
orangecrush
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Quote:
Originally Posted by Aphex Twin
Yes, a couple of days is liquid enough. I just don't want it to be tied up for a month or more, having a penalty to withdraw. Do they seriously only allow 1 withdrawal per year or was that a joke? I don't recall reading that.

Are there any worries at all with Countrywide's solvency? The reason I didn't consider Indymac was their financial problems. Should these be concerns at all for a depositor?
The one 1 withdrawal per year was a joke (hense the ) You shouldn't worry about the solvency of the institution as long as the account is FDIC insured and you have < $100K in there.
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