re: New Personal Capital High Yield Savings (2.3%)

I keep everything at Fidelity and use their SPRXX money market fund which yields 2.17% and is treated like cash. No need to sell any shares to pay bills, buy stocks, etc.

I don't see the point of chasing the highest interest rate as it isn't significant unless your're talking a 7 figure balance and that won't be FDIC insured at one bank anyway.

Fwiw I also use FLOT to hold 1/3 of my emergency fund. It's yielding 2.82% and even up 2% in price. While I could lose principal if interest rates rise, the effective duration of the bonds in the fund is only 0.13 years. So any loss would be minimal.