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Commercial banker here. The highest rate that my bank's offered anyone, is the Fed funds rate minus 0.10%. So currently, they're earning over 5.00%. We're talking institutional-level though, so >$10MM.
Vio Bank is currently offering 5.30% for consumer money market. Also FDIC-insured.
Tellus is a RE-based app that offers daily compounding at 6.00%. But, not FDIC-insured albeit secured with RE.
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