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HYSA rate thread
Posted on 11/23/24 at 8:33 am
Posted on 11/23/24 at 8:33 am
Not sure why the other HYSA thread got anchored, but the Capital One 360 rate just went down to 3.9%.
What rate are you getting on your HYSA?
What rate are you getting on your HYSA?
9
Posted on 11/23/24 at 8:53 am to Suntiger
Looks like I’ll be looking for another HYSA depending on the rates.
Posted on 11/23/24 at 9:24 am to Suntiger
I also have Cap One, but I assume they all are going lower.
Vanguard VMFXX is 4.58
Vanguard VMFXX is 4.58
Posted on 11/23/24 at 9:34 am to LSUSports247
Ya, they'll head down faster than they went up.
Sofi lowered recently to 4.2%.
I actually have a lot on VMFXX but the way Sofi checking and overdraft protection works, I keep my money all in the HY savings account and my checking at $0 to get the best rate on my monthly expense money. They just automatically pull all the overdrafts from savings.
Sofi lowered recently to 4.2%.
I actually have a lot on VMFXX but the way Sofi checking and overdraft protection works, I keep my money all in the HY savings account and my checking at $0 to get the best rate on my monthly expense money. They just automatically pull all the overdrafts from savings.
This post was edited on 11/23/24 at 9:37 am
Posted on 11/24/24 at 6:43 am to Suntiger
Chasing HYSA rates is a fools errand. They are all going lower. Soon as you switch that one will be lowered as well. Not worth the hassle. Stick with one that’s consistently near the top and roll with it. I do Capitol One 360
Posted on 11/24/24 at 9:35 am to HarveyBanger
Capital one 360 here. Won’t change either. Seeing those articles about millions being lost?
Posted on 11/24/24 at 9:56 am to Suntiger
Amex sent me a flyer with 4.1%
Posted on 11/24/24 at 10:54 am to Suntiger
Open bank by Santander is offering 5.00%
Posted on 12/8/24 at 8:57 am to Suntiger
CO 360 just got lowered to 3.8%.
Posted on 12/8/24 at 9:01 am to Suntiger
It’s been 3.8 for at least a week
Posted on 12/8/24 at 12:26 pm to tigerbacon
Lending Club at 4%
Posted on 12/8/24 at 12:42 pm to tigerbacon
quote:
It’s been 3.8 for at least a week
It was ar 3.9%. It just went to 3.8% maybe two days ago.
Dropping like a rock
Posted on 12/8/24 at 1:39 pm to HarveyBanger
Lower the fed rate lower the interest rate. And I saw it in my account for the last week at least being 3.8. So if you want rate to increase hope for a fed rate increase. Stock market will have a bad week with announcement of 8nterest rate decrease
Posted on 12/8/24 at 3:00 pm to Suntiger
I keep cash that I need within 6 months in a Fidelity money market fund (FDLXX) which is still getting 4.23%. Cash I need 6+ months I use t-bills.
Posted on 12/8/24 at 3:12 pm to gpburdell
3.8 is lower but this is where I keep my emergency fund. All other money is making a lot more but would be 1-2 days to get to
Posted on 12/8/24 at 4:44 pm to HarveyBanger
Dropping like a rock? What 0.5% in 5 months is dropping like a rock?
Posted on 12/8/24 at 5:20 pm to tigerbacon
Two rate decreases in the last two weeks so yea
Posted on 4/15/25 at 9:03 am to Suntiger
Just saw where CO360 went down to 3.6%.
Posted on 4/15/25 at 9:28 am to Suntiger
quote:Because it is outdated, just like this one… Someone please start a new one?
Not sure why the other HYSA thread got anchored,
This post was edited on 4/15/25 at 11:37 am
Posted on 4/15/25 at 11:33 am to Chicken
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