E ulu a maʻalahi i kāu kālā ma mua o ka wā ma mua
Ma waena o ka hoʻopaʻaʻana i nā kālā āu e hoʻohana nei no nā kālā kālā a me nā waihona kālā no nā wā lōʻihi e waiho ana i ka pūnaewele mālama kālā. ʻO nā waihona kālā mālama kālā,ʻo FDIC nā mea i hoʻopaʻaʻia i nā'auke kālā i kahi e hiki ai iāʻoe ke mālama i ke kālā me ka ukupanee.
ʻOiai he haʻahaʻa haʻahaʻa nā haʻawina ukupanei ma nā kāleka nui a me ka moemoeka nui, ināʻoe e nānā ana i ka pūnaewele a me kahi hapa o nā'elepuni a puni ka'āina, hiki iāʻoe keʻike i nā huina iʻoi aʻe heʻelua hapaha! Hiki ke hoʻololi i nā kumukūʻai i kēlā me kēia manawa, no laila, inā makemakeʻoe e hahai i nā kumukūʻai piʻi nui, ponoʻoe e nānā i nā manawa a pau a hoʻololi i kāu kālā e hoʻopiʻi i nā kumu hope hope loa - kahi hua'ōlelo i hoʻohanaʻia no hoʻokahi hapa-haneri o kahi ka hapa.
E hoʻomanaʻo i nā kumu kūʻai nui loa,ʻo ka hoʻoneʻeʻana i nā pūpū e loaʻa i ka hapanui o ka hapanui o ka hapanui o ka hapalua. Ināʻoe e wehe i kahi waihona mālama waiwai nui ma kahi'auke āu e makemake ai, makemake pahaʻoe e mālama i kāu kālā ma laila inā paha e hele mai kekahi pūʻokoʻa me kahiʻoi aʻe. Eia naʻe, ināʻikeʻoe i ka nui o kāu pālākiʻi hoihoi nui ma hope o ka waihoʻana i kahi kālā nui, hiki iāʻoe ke naʻauao e hoʻololi i kāu kālā ma kahi'ē aʻe e hoʻohana iā ia no ka loaʻaʻana o kāu kālā.
A inā heʻupena maʻamauʻoe i waiwai nui a hoʻololi i kahi nui i loko o nā waihona, e hoʻomanaʻo i ka hoʻoili'āina FDIC. ʻO ka pāʻani paʻa o ka FDIC he $ 250,000 no kēlā me kēia mea waihona. Inā mālamaʻoe i kahi pūnaewele me ka hoa,ʻo ia hoʻi e piʻiʻoe i $ 500,000 o kāu kaulike i hoʻopaʻaʻia e ke aupuni US. Akā ināʻoe e mālama i nā palena o kāu palena FDIC a me ka palena o ke kāleka i ka pilikia kālā, hiki i kāu waihona kālā ke pilikia. ʻAʻole kēia he mea nui nui i kēia mau lā, akā heʻumi mau makahiki i hala aku nei i ka wā o ke Kuʻi Nui, uaʻole i hōʻole nā kīpuni a pani i ko lākou mau puka, aʻaʻole i loaʻa i nā mea iʻoi aku ma mua o ka palena FDIC i loaʻa i nā mea a pau.
Inā loaʻa iāʻoe kahi pale nui e hoʻokuʻu i nā mālama kālā, e mālama ponoʻoe i kēia mau palena FDIC iʻoleʻoe e noʻonoʻo i ka liloʻana i hoʻokahi keneta o kāu kālā i loaʻa.
I kēia manawa, me nā mea a pau i'ōlelo aʻe nei, eia ka papa inoa o nā kumukūʻai hoʻopanee maikaʻi loa i ka lāhui.
01 Best Overall: Kūlana Kūʻai Loa Loa
ʻO ka mea kūʻai maikaʻi loa ma ka'āina e like me kēia kākauʻana he Popular Direct Hoʻoponopono Hoʻoponopono. ʻO kēia kaomi e hāʻawi mai i kahi pāʻani hoihoi loa o ka 2.00 pakeneka APY. E like me nā moʻolelo a pau o kēia papa inoa,ʻo FDIC ka mea i hoʻohuiʻia.
No ka weheʻana i kahi moʻokāki hou a kūpono no kēia kaʻina, pono e hoʻopaʻa nā mea hoʻopuka hōʻoki i $ 5,000 ka pale kau palena palena. Hāʻawi ka waihona i kēlā me kēia lā i ka mea hoihoi.
ʻO Popular Direct he pūnaewele pūnaewele e hāʻawi nei i kēia waihona mālama waiwai a me nā CD. Hiki ke loaʻa nāʻike ma o kaʻike kālā pūnaewele. Hiki iāʻoe ke waiho pū i kahi pūʻulu me ka waihona pūnaewele pūnaewele me kāu kelepona, hiki ke maʻalahi i ka hoʻohuiʻana i ka waihona.
02 No nā uku kaulike ma Lalo $ 5,000: Salem Five Direct eOne Savings
Pale akuʻo Salem Five Direct i ka lua o ka uku maikaʻi loa ma kahi o ka 1.85 pakeneka APY. Hiki iāʻoe ke wehe i kahi moʻokāki me kahi kākoʻo $ 100. ʻAʻole he kau palena palena loa i ka manawa i weheʻia ai kāuʻike, aʻaʻole hoʻi he uku mahina.
Uaʻoi aku ka nui o kēia iʻoi aku ma luna o nā CD ma nā kālepa lehulehu, akā like me nā mea'ē aʻe ma kēia papa inoa,ʻaʻohe manawa i hoʻopaʻaʻia. ʻO ka loaʻaʻana o nā waihona kālā e loaʻa ana i ka palena o nā hoʻokuʻuʻeono no kēlā me kēia mahina. ʻO kēia palena i hoʻonohonohoʻia e ka Papa Dute o ke Kumukānāwai Kūlana D, no laila, mai hōʻino i nā'ake. Akā, hiki iāʻoe ke waiho i kahi waihona kope i nā manawa a pau e makemake ai i loko o ka mahina, ma lalo o nā palena palena.
Ua mālamaʻiaʻo Salem Five Direct i Salem, Mass.ʻO nā mea waihona e loaʻa ana i ka pūnaewele pūnaewele a me ka pūnaewele pūnaewele, nā waihona pūnaewele, nā leka uila, a me nā hoʻoiliʻana i kaʻike ma waho o nāʻaukā'ē aʻe.
03 maikaʻi loa me kahi waihona hoʻolālā haʻahaʻa: DollarSavingsDirect Pūʻupu Pai Pūlā
Inā makemakeʻoe i kahi pale kau palena haʻahaʻa,ʻo DollarSavingsDirect kahi kahi e hele ai. Me ka palena palena palena palena wale nō he $ 1 wale nō, hiki iāʻoe ke wehe i kahi moʻokāki e uku i 1.80 pakeneka APY. I ka nānāʻana i kahi pūnaewele hōʻinoʻole,ʻo FDIC ka mea i hoʻopaʻaʻia no laila eʻikeʻoe i ka maluhia o kāu kālā.
ʻAʻole i emi iki ka helu aʻaʻohe uku e like me kēlā me kēia pūnaewele mālama maikaʻi. ʻO DollarSavingsDirectʻo ia ke kuleana o Emigrant Bank, heʻupena mālama waiwai kahiko me nā aʻa e hoʻi ana i ka makahiki 1850.
I ka manawa e wehe aiʻoe i kāu pūnaewele mālama kālā DollarSavingsDirect, e ukuʻoe i ka pūʻai me kahi pūnaewele hoʻopaʻa pūʻia, kahi hiki iāʻoe ke hoʻohana no ka waihoʻana i nā waihona a me ka haʻaleleʻana.
04 Kūlana Hoʻolālā maikaʻi: VirtualBank eMoney Market
ʻAʻole kēia palapala i moʻomeheu mālama moʻomeheu, he mea mālama kālā mālama kālā. Akā, no nā kālepa kālepa,ʻo ia wale nō ka mea āu eʻike ai, he hana maikaʻi loa ia e like me kēlā me kēia pūnaewele mālama kālā a ua hoʻopaʻaʻiaʻo FDIC.
ʻOi aku ka nani o ka pūnaewele VirtualMank eMoney Market no ka mea e hōʻoiaʻiʻo ana i kēia kaʻana no ka makahiki hoʻokahi no nā mea hou i VirtualBank. ʻAʻole i ukuʻia kēia helu. ʻOiaiʻaʻole he kaulike kūpono loa, ponoʻoe e mālama i $ 100 no ka palena palena palena maʻamau no ka pale aku i kahi uku $ 5 o ka lawelawe makahiki.
Hiki i nā mea mālama kālā ke komo i kā lākou pūnaewele me ka pūnaewele pūnaewele a me ka waihona pūnaewele pūnaewele. Ma hope o hoʻokahi makahiki, hāʻule ka huina kālā paneʻe. ʻO ka huina o nā lālā he 0.80 pakeneka ma nā kākike eMoney Market, akāʻoi aku ka maikaʻi ma luna o ka helu pūnaewele savings toharite, akā ma lalo o nā uku kiʻekiʻe e hanaʻia ai kēia papa inoa.
05ʻAla maikaʻi no nā kaulike kiʻekiʻe wale nō: IncredibleBank High Enable Savings
Hoʻonuiʻo IncredibleBank i ka nānāʻana, nā waihona, a me nā CD me nā kaʻina hoʻokūkū paʻakikī, akā inā hiki iāʻoe ke hōʻiliʻili i kahi hōʻai'ē $ 25,000, hiki iāʻoe ke kūpono i kahi 1.76 pakeneka pāʻani APY. ʻO nā kumukūʻai me ka kaulike ma lalo o $ 25,000 loaʻa ke 1.21 pakeneka APY.
Makemake nā hōʻai'ē i $ 2,500 ka palena palena palena palena, akāʻaʻole pahaʻoe e hopohopo no kēlā mea inā e hahai anaʻoe i ka 1.76 pakeneka nui o ka uku pānaʻi e koi ana heʻumi manawa e loaʻa ai ka nui o ka uku kuhi.
ʻO kēia kāleka e makemake i ka'auke pūnaewele a me nā'ōlelo e-e hōʻole i kahi uku kālepa pepa $ 5 akāʻaʻole loaʻa kahi uku mālama mālama malama. ʻO nā koho pūnaewele pūnaewele pūnaewele pū kekahi me kahi pūnaewele pūnaewele, nā hoʻokele bank-bank a me nāʻano pono'ē aʻe.
06 Me ka loaʻaʻole o ke koi kūpono kiʻekiʻe: Kālā Kālā Kālā kālāʻo CIT
ʻO kā Bank CIT,ʻaʻole e pilihua iā Citi Bank, hāʻawi i ka uku kumukūʻai maikaʻi o kaʻeke kālā no nā kālā kūpono haʻahaʻa me ka loaʻa he 1.75 pakeneka. ʻO ka helu e koi ana he $ 100 e hoʻonui ana i ka kaulike.
ʻO kēia pūnaewele mālama kālā kālā ka hāʻawiʻana i ke kikowaena pūnaewele a me kahi hua i kapaʻia "Paying Payments". ʻAʻole i loaʻa ka helu helu a me nā uku lawelawe o ka malama.
I likeʻole i ka hapa nui o nā kāleka ma kēia papa inoa, hāʻawiʻo CIT i nā wahi laina lālā, me 71 mau wahi ma California e like me nā US Bank Bank. Akā ma waho o ka Moku'āinaʻo Golden, hiki iāʻoe ke wehe a mālama i kahi pūnaewele ma ka pūnaewele.
07 Ka meaʻoi aku me ke kūlana haʻahaʻaʻoihana kiʻekiʻe: PurePoint Pūnaewele Pūnaewele
ʻO PurePoint Financial ke hāʻawi aku nei i kahi waihona mālama kālā me kahi 1.75 pakeneka maikaʻi loa. Pono ka waihona e hōʻiliʻili i kahi waihona $ 10,000 hapa hōʻiliʻili,ʻo ia ka mea kau palena nui loa loa ma kēia papa inoa. Akā, ke hāʻawi neiʻo ia i kekahi o nā kaʻina ola uku ma ka'āina, no laila,ʻo ia ka heleʻana inā loaʻa iāʻoe he $ 10,000 + no ka waihoʻana.
ʻO ke kālāʻo PurePoint ka māhele o ka Mitsubishi UFJ Financial Group. ʻAʻole i kaulana loa kēia inoa maʻAmelika Huipūʻia akāʻo ia ka hapalima o ka pūʻulu kālā nui ma ka honua. ʻO Kaleponi,ʻo Wakinekona aʻo Oregon paha ka meaʻike i kekahi lālā o ka hui: Union Bank. Ua hanaʻo Union Bank i nā lālā 398 ma nā mokuʻekolu o ke Komohana.
Hanaʻo PurePoint i nā kaʻina kaʻina me ka loaʻaʻole o nā uku mahina, a me nāʻoihana pūnaewele pūnaewele. ʻAʻole ponoʻoe e mālama i kahi kālā $ 10,000 ma ka helu no ka paleʻana i nā uku, akā e hāʻule ana kāu hapa pāʻani i ka 0.25 pakeneka APY no nā palekana ma lalo o $ 10,000 paepae, no laila e makemakeʻoe e mālama i kēlā $ 10,000 kūpono a iʻole e noʻonoʻoʻoe e waiho i kāu kālā ma kahi'ē aʻe.