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Washington Mutual has just upped the APY on its online savings account to 4.00% APY, putting it right at the top of currently available options (via Five Cent Nickel).
While WaMu is currently having some problems — at least five companies are reportedly considering purchasing the bank — but since it is FDIC insured, you shouldn't worry about putting money into it.
APYs have been going up and down for the past few months with no obvious trend — just like the stock market.
DollarSavingsDirect (3.75% APY), FNBO Direct (3.50% APY), WT Direct (3.26% APY), and HSBC Direct (3.25% APY) are some of the top offerings.
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PLEASE COMMENT…I feel stupid, foolish in a financial nightmare! My husband left in Sept2007. We signed a separation agreement during an emotional time… not realizing I could not afford the financial debt that I assumed by keeping our home. About six months later I woke up and realized I could not afford my house. My income $135K, his income $50K so we (I) assumed I could still afford the house. I don't know what to do. House purchased in 2004 at $292K with >20% downpayment for mortgage of $235K/15yr/5%. Later took equity loan for $100K for home improvements, etc. I refinanced in Jun2009 with mortgage balance of $197K and equity balance of $98K for $308K at 6% to get lower mortgage payments (home valued at $385K). My car is fully paid, but I have $24K credit card debt. I have assets of $18K cash (from refinance), $125K in 401K, $250K in Fidelity IRA, and in Apr2009 at age 55 can receive retirement lump sum or payments. My company reduced headcount in Apr2008, with plans for another reduction before year end. My job role changed in the spring with change in VPs so my staff went from 25 down to 1. The 1 decided to resign instead of being terminated in headcount reduction. As Associate Director with M.S. level engineering degree, I'm now an individual contributor. I'm so distraught/anxious/depressed/stressed with all these unforeseen changes that I cannot think straight. I need a solution as to how I can survive financially. There's been so much change and I've made so many (hindsight) foolish choices during the booming economy. I should have purchased a very small home in 2004 instead of "investing" in large home. Is there any way I can move to some tiny place and "retire" modestly from my current pharmaceutical/vaccine manufacturing career with full or part-time work at some lower paying less stressful job. What are my options?