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Started By
Message
Best HYSA currently?
Posted on 5/5/26 at 9:27 am
Posted on 5/5/26 at 9:27 am
What’s the money board using these days.
I have a CapOne HYSA at 3.1% and it keeps dropping every quarter.
Considering shopping this.
I have a CapOne HYSA at 3.1% and it keeps dropping every quarter.
Considering shopping this.
16
Posted on 5/5/26 at 9:31 am to Yaboylsu63
I use Wealthfront at 3.3% and have no issues with them.
Posted on 5/5/26 at 9:41 am to Yaboylsu63
CIT Bank is 3.75%
Posted on 5/5/26 at 9:41 am to Caymus
We have ours at Vanguard @ 3.35%
Posted on 5/5/26 at 9:44 am to Yaboylsu63
I'm doing better with CapOne building a ladder of CDs, but that does require more management.
You can open a CMA with Fidelity just for SPAXX. Or make it default if you open a brokerage with them. About 3.3 to 3.4 right now.
Depends on your needs, but I don't feel like chasing my tail for up to 1 point on a savings account. How much cash do you need for that to make a difference?
$50k for a year, 1 point is $500 bucks. I get that's not "nothing", but that's $40 a month. I can find that with wasteful spending, frankly.
You can open a CMA with Fidelity just for SPAXX. Or make it default if you open a brokerage with them. About 3.3 to 3.4 right now.
quote:
Considering shopping this.
Depends on your needs, but I don't feel like chasing my tail for up to 1 point on a savings account. How much cash do you need for that to make a difference?
$50k for a year, 1 point is $500 bucks. I get that's not "nothing", but that's $40 a month. I can find that with wasteful spending, frankly.
Posted on 5/5/26 at 9:50 am to Yaboylsu63
SPAXX
Posted on 5/5/26 at 9:55 am to Yaboylsu63
SGOV is still around 3.5%
Posted on 5/5/26 at 10:06 am to Yaboylsu63
Openbank by Santander is at 4%
They’ve been paying top rates for 2 years now
They’ve been paying top rates for 2 years now
This post was edited on 5/5/26 at 12:26 pm
Posted on 5/5/26 at 10:32 am to Yaboylsu63
As long as you're north of 3% a bit you're fine, the ones that are any sort of significantly higher are usually just teaser rates and they lower them quickly
Posted on 5/5/26 at 12:19 pm to Yaboylsu63
Fidelity - CMA - SPAXX
Posted on 5/5/26 at 3:45 pm to Yaboylsu63
Don’t keep much in my savings with Cap1, but I do keep my emergency fund in my E*trade account, it’s at 3.25%. I wouldn’t stress about trying to scrape out an extra $100/year or so by moving from Bank to Bank.
Posted on 5/5/26 at 5:54 pm to HogPharmer
You can’t compare high yield savings accounts and money market. They’re different risk spectrums.
Posted on 5/5/26 at 7:30 pm to Tifway419
quote:
I wouldn’t stress about trying to scrape out an extra $100/year or so by moving from Bank to Bank.
AMEX Savings is at 3.25% currently too, but I agree. I only HYSA shop about every 18 months or so, because most of the "initial rate" gimmicks wear off quickly and make the bother of transferring money not really worth it.
Posted on 5/6/26 at 2:28 pm to Yaboylsu63
Check your local Credit Unions - I moved a large chunk of my emergency fund from Chase to my Credit Union because the CD rates were consistently .75 - 1% higher.
Posted on 5/7/26 at 7:42 am to TX_Tiger23
quote:
You can’t compare high yield savings accounts and money market. They’re different risk spectrums.
I want to agree with you at the visceral level, but cash equivalents are cash equivalents.
The HYSA we're talking about at CapOne Iliterally replaced their money market account.
And, frankly, at brokerages, SPAXX is the gold standard cash equivalent at present, IMHO.
#IconcedeImightbemissingsomething
Posted on 5/7/26 at 9:40 am to Yaboylsu63
Bread Savings - 3.9%
Posted on 5/7/26 at 9:51 am to Yaboylsu63
Open bank has 4% right now but was at like 4.2% just 6 months ago
Posted on 5/7/26 at 11:54 am to Ace Midnight
You’re not missing a lot and both are extremely safe. However, they shouldn’t be compared for rate purposes. Savings accounts are guaranteed not to lose value with their FDIC insurance. Money markets are an investment product and have no guarantee. Take a look at the phrase “breaking the buck.” While it’s rare and money market funds are safe they still are not equivalent to savings accounts.
Posted on 7/9/26 at 8:56 am to TX_Tiger23
Amex HYSA down to 3.0. Remember the good ol days of Covid with 4.5%? That was fun.
Posted on 7/9/26 at 10:35 am to HogPharmer
quote:
SPAXX
If in a taxable account, use FDLXX instead. Last year ~98% of FDLXX interest is exempt from state taxes. SPAXX is only ~50%.
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