1. Best interest rate on Variable mortgage investment property: First Republic 1.75% tied to 11th district cost of funds
2. best Cash back on credit card: USAA 2.5% but need address in Texas to receive
3. Best heloc rate: Bank of America 3.75% (prime minus 75 basis points)
4. best auto loan: PMCU Pacific Marine 1.99% for 60 months
For me the debit/card, checking account is a commodity, I don’t care where the money is. USAA and First Republic do show same day direct deposit credit though. USAA also allows for instant credit on transfers from other banks.
Haven’t used Barclay’s or Alley. Unless something is better than what I showed above, no reason to IMHO.
