Best HYSA currently?

CIT Bank is 3.75%

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.

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Considering shopping this.

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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.

SGOV is still around 3.5%

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

Fidelity - CMA - SPAXX

You can’t compare high yield savings accounts and money market. They’re different risk spectrums.

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.

Bread Savings - 3.9%

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.