1- What high yield savings accounts do people use?
1b- Thoughts on Amex savings vs. Marcus by Goldman
2- Do people still use CDs? Best CD rates other 🐠 have been able to find?

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I do Heritage Bank - 3.33% APY on balances up to $25K.

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Heritage says it requires 10 purchases per month to earn 3.3% - how do make sure to meet that?

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Capital one has some of the highest rates and then Marcus. Create a ladder!

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Ally bank has served me well for many years. Vanguard also has a good money market vmmxx

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Do not buy CDs!! Rates are too low short term and long term and in a rising interest rate environment the worst thing you could do is lock yourself into a low rate now

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Ally has no penalty for early withdrawal 11 month cds at 2+ percent. Create a ladder and you’ve got lots of flexibility

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Using Ally for my larger savings account. Prob convert some of that to Vanguard in the new year.

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Vanguard Prime Money Market Fund. Just part of my overall taxable portfolio. It’s like 2.2%. Anything over what I deem to be emergency fund, then goes to a balanced index fund.

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Barclays

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Synchrony for savings acc

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A 13 month cd @2.65 seemed good to me

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