OnJuno currently offers 2.15% APY on up to $30,000. You have to decide if dealing with them is worth $645/year.
They only link through Plaid so if your bank ain't there, you're SOL.
There is an ACH limit of $10,000/day. I can confirm they block deposits initiated from external banks and then you have to re-link the account or work with the other bank because they process the rejection in correctly.
Their customer service is fast and chat based which is good because you'll be utilizing it all the time.
If I hadn't started down this road, I would not now.
|FDIC Certificate #||1299|
|Return on Assets - YTD||1.97%|
|Return on Equity - YTD||23.14%|
|Annual Interest Income||$13.0MM|
|Assets and Liabilities|
|Assets||Q2 2021vs Q2 2020||$711.7MM$603.6MM|
|Loans||Q2 2021vs Q2 2020||$523.5MM$507.5MM|
|Deposits||Q2 2021vs Q2 2020||$508.5MM$405.8MM|
|Equity Capital||Q2 2021vs Q2 2020||$62.1MM$48.0MM|
|Loan Loss Allowance||Q2 2021vs Q2 2020||$7.2MM$6.6MM|
|Unbacked Noncurrent Loans||Q2 2021vs Q2 2020||$3.7MM$5.3MM|
|Real Estate Owned||Q2 2021vs Q2 2020||$660.00K$877.00K|
Always verify rates and promotions with the bank or credit union. We are not OnJuno; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
|APY||MIN||MAX||ACCOUNT NAME||VIEW DETAILS|
|OTHER TIERS: 0.25% → $5k+|
|OTHER TIERS: 0.25% → $50k+|
OnJuno is an Internet only bank and does not have branch locations. Its headquarters is located at 1390 Market Street, Suite 200 - San Francisco, CA 94102