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Started By
Message
Marcus Lowers Savings Rates to 3.65%
Posted on 5/28/25 at 4:20 pm
Posted on 5/28/25 at 4:20 pm
This feels divorced from the current rate environment...where is everyone sticking their cash / emergency fund?
23
Posted on 5/28/25 at 4:30 pm to lynxcat
Amex but I think they just went to 3.6
Posted on 5/28/25 at 5:09 pm to lynxcat
I have my emergency cash in I Bonds, but have additional cash in the SGOV ETF. Currently 30 day yield is 4.17%.
Posted on 5/28/25 at 5:41 pm to lynxcat
quote:
This feels divorced from the current rate environment...where is everyone sticking their cash / emergency fund?
I just keep mine in capital 1 and its at 3.6%. Thought about moving it but it’s not worth it to get a couple hundred extra bucks a year.
Posted on 5/28/25 at 6:07 pm to lynxcat
It’s frustrating
Posted on 5/28/25 at 6:08 pm to lynxcat
SPAXX is 3.9%
Posted on 5/28/25 at 7:18 pm to lynxcat
Openbank by Santander is still 4.4% but I doubt it will be much longer
Posted on 5/28/25 at 8:32 pm to Rize
Exactly. I don’t keep enough in a savings account to make it worth chasing .4%
Posted on 5/28/25 at 8:51 pm to SulphursFinest
Likely shifting to SWVXX which has a 4.22% yield currently.
Posted on 5/28/25 at 9:02 pm to lynxcat
PCOXX is around 4.25% IIRC
ETA - 4.29% daily net, 4.28% 7-day net
ETA - 4.29% daily net, 4.28% 7-day net
This post was edited on 5/29/25 at 6:43 am
Posted on 5/28/25 at 9:03 pm to lynxcat
VMFXX is currently at 4.2%. Guess we’ll see if it stays there much longer.
Posted on 5/28/25 at 10:06 pm to lynxcat
Cash that I need in 1-3 months, I keep in FDLXX which is currently at 3.9%.
My emergency fund is split between I bonds and t-bills which are earning up to 4.4% depending on maturity.
My emergency fund is split between I bonds and t-bills which are earning up to 4.4% depending on maturity.
Posted on 5/28/25 at 10:10 pm to lynxcat
I went in the other direction and bought some SPHY, high yield corporate bond account to take advantage of rising corporate-bond yields.
Posted on 5/28/25 at 11:30 pm to SulphursFinest
quote:
Exactly. I don’t keep enough in a savings account to make it worth chasing .4%
Words to live by. You should be keeping the bare minimum in savings or a even a money market, so you have worrying, researching and moving money to chase a couple hundred dollars.
Posted on 5/29/25 at 5:52 am to lynxcat
VMFXX
Posted on 5/29/25 at 6:39 am to lynxcat
Comenity Bank has a HYSA earning 4.2
It's an online only bank, but I've had my emergency funds in there for about a year
It's an online only bank, but I've had my emergency funds in there for about a year
Posted on 5/29/25 at 6:41 am to NYNolaguy1
quote:
went in the other direction and bought some SPHY, high yield corporate bond account to take advantage of rising corporate-bond yields.
Not really a valid option for any kind of traditional savings vehicle.
Posted on 5/29/25 at 6:50 am to lynxcat
CIT Bank is still 4.1% APY but I’m guessing I’ll see that come down in June.
Posted on 5/29/25 at 7:09 am to lynxcat
Snaxx if it’s over a million, SWVXX if it’s under a million. These funds have been rock solid and you can have your cash within an hour.
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