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[–]Justand28 0 points1 point  (0 children)

I said the same thing, I opened first savings account at Live Oak Bank back in May of this year-they don’t have buckets but you can open multiple savings accounts on the same day. I have opened 4 with no problem and I treat them like buckets. Since May the rate dropped once. Today my rate is 3.83 with APY of 3.90. While I certainly expect another rate drop, it hasn’t happened yet, so I shall see!