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Started By
Message
What HYSA do you recommend?
Posted on 6/21/24 at 6:12 am
Posted on 6/21/24 at 6:12 am
I'm looking to open a HYSA but am seeing a lot of different opinions online. What HYSA do you all recommend and have good experience with?
14
Posted on 6/21/24 at 6:18 am to EngTiger
There are many out there.
I have AMEX which is currently @ 4.25%. There are others paying a little bit more than that.
I have AMEX which is currently @ 4.25%. There are others paying a little bit more than that.
Posted on 6/21/24 at 6:22 am to EngTiger
CapOne has been super easy. Right around 4.25% as well I believe
Posted on 6/21/24 at 6:29 am to EngTiger
I’ve been using fierce for over a year. 5.25%
Posted on 6/21/24 at 6:32 am to EngTiger
Cap1. Have correlating checking and instant transfers are nice when needed.
Posted on 6/21/24 at 7:49 am to EngTiger
or just put it in a MMF getting 5.2%
Posted on 6/21/24 at 8:55 am to EngTiger
I use 3, no problem with any
Citi - 4.35%, lower rate but fastest transfers to savings
CIT - 5.00%
BMO Alto - 5.10%
Citi - 4.35%, lower rate but fastest transfers to savings
CIT - 5.00%
BMO Alto - 5.10%
This post was edited on 6/21/24 at 8:56 am
Posted on 6/21/24 at 8:59 am to EngTiger
I have Sofi at 4.6% and like it Alot.
However, lately I've been keeping most things in a Fidelity brokerage account, which automatically sticks it in SPAXX money market earning 4.95%
It acts just like a checking account that you can pay bills out of, get a debit card, etc.
Also, any extra like my emergency fund I have in there invested in USFR earning 5.36% and that is completely liquid.
Lots of options out there. How important that your HYSA is also a brick and mortar will be one of the first things you need to decide. I have a brick and mortar local bank. But it's not where I keep my money cause the rates suck, but it's good for other things.
However, lately I've been keeping most things in a Fidelity brokerage account, which automatically sticks it in SPAXX money market earning 4.95%
It acts just like a checking account that you can pay bills out of, get a debit card, etc.
Also, any extra like my emergency fund I have in there invested in USFR earning 5.36% and that is completely liquid.
Lots of options out there. How important that your HYSA is also a brick and mortar will be one of the first things you need to decide. I have a brick and mortar local bank. But it's not where I keep my money cause the rates suck, but it's good for other things.
This post was edited on 6/21/24 at 9:02 am
Posted on 6/21/24 at 9:00 am to EngTiger
If you have fidelity, just put it in a brokerage account and don't buy anything. It was 5% last I checked.
Posted on 6/21/24 at 9:01 am to EngTiger
Most of my liquid savings is in a money market fund VMFXX getting 5.28%.
Posted on 6/21/24 at 9:29 am to GrizzlyAlloy
quote:
If you have fidelity, just put it in a brokerage account and don't buy anything. It was 5% last I checked.
This is good to know, thanks
Posted on 6/21/24 at 9:42 am to MrJimBeam
quote:
Cap1. Have correlating checking and instant transfers are nice when needed.
Same here. I just opened one last week and transferred my savings into it. Don't know why I hadn't done it sooner. The old account was getting like .25%
Posted on 6/21/24 at 11:35 am to Ziggy
quote:
There are many out there. I have AMEX which is currently @ 4.25%. There are others paying a little bit more than that.
Same here. I think they came out relatively early with their increase. I have an AMEX card so it was convenient. No opening a new account elsewhere.
Posted on 6/21/24 at 1:06 pm to EngTiger
I use CIT and it works fine for me. Money in and out with ease.
Posted on 6/21/24 at 1:54 pm to GrizzlyAlloy
quote:
If you have fidelity, just put it in a brokerage account and don't buy anything. It was 5% last I checked.
Schwab should do this
Posted on 6/21/24 at 8:28 pm to EngTiger
I have mine at UFB Direct. 5.25% and if you direct deposit and keep a minimum you can get it up to 5.5%. They also give you an ATM card which I use. Been with them for over a year. Never an issue.
Posted on 6/21/24 at 9:03 pm to EngTiger
We have an Ally account that pays 4.2% I believe currently. It’s been pretty user friendly
Posted on 6/22/24 at 12:22 am to Topisawtiger
quote:
I have mine at UFB Direct. 5.25% and if you direct deposit and keep a minimum you can get it up to 5.5%. They also give you an ATM card which I use. Been with them for over a year. Never an issue.
Seeing these rates makes me want to move my money into something higher earning but I’m not sure it’s worth it.
I’ve got 1 with capital one at 4.25% and one with 5%. Then I have a money market at 5% because I couldn’t get a high yield that would accept my money here in Texas.
Posted on 6/22/24 at 3:24 am to tgrmeat
quote:
We have an Ally account that pays 4.2% I believe currently. It’s been pretty user friendly
This is what I use. I really like the bucket option that helps you save for stuff in short/Long term.
Posted on 6/22/24 at 8:17 am to EngTiger
I have been with my local bank for 20+ years. But I use Cap1 for my HYSA because I also have an account with them and my local bank pays .02% or something on savings.
There’s also a few brick and mortar Cap1s in my area which gives me piece of mind. I’m too old to be completely comfortable with a digital only bank.
All that said, I just use my HYSA for my emergency fund and have other cash laddered in T-bills and CDs. Good time to have cash.
There’s also a few brick and mortar Cap1s in my area which gives me piece of mind. I’m too old to be completely comfortable with a digital only bank.
All that said, I just use my HYSA for my emergency fund and have other cash laddered in T-bills and CDs. Good time to have cash.
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