Popular Direct 4+

Very competitive rates. However their customer service and online banking leave much to be desired. First off if you are strictly using them for a CD their website and app are basically useless unless you are depositing funds or viewing balances. You will not be able to withdraw your funds even upon maturity unless you physically call them and schedule a transfer. A very odd and unnecessary feature aimed at making customer forget and or not want to go through the hassle of moving their money during the one week grace period after maturity before you are automatically reenrolled.

Please note when you open a new account your only allowed to add one bank account and its for deposits only. I called up customer service which took about 5-10 min before i could get a live rep. She sounded like she was frim somewhere in India. Said you can only have one account forfirst 70 days and it can only be setup to add money. After the waiting period they add the option to transfer money out. I am a bit untrusting so im not going to add anymore cash until i can transfer money out. You can have them delete the one bank account and change to a different one but only for deposits until 70 days are up. Interest rate is 5.40% ehen i wrote this. I could get 5.50% on a citi moneymarket but would need min of 100k. You may want to go that route if you have that much cash.

Unbelievable how bad their app, website, and service are. The browser on you phone forces you to login through the app, but the app doesn’t allow you to conduct *any* business. Want to transfer money in? Nope, gotta use a desktop to go to their website. I have to reset my password every time because it tells me it is wrong, even though I screenshot my last login so I *know* it is correct. Calling them is a nightmare also. I’ve set up recurring transfers from my funding bank and yet it never saves the info. I wish I had picked a buyer bank for a high-yield savings account. I’ll be closing this ASAP.