Any HYSA recommendations for a new college grad with about 25k in savings?

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Nothing is really high right now because interest rates are so low. Marcus is .6%. You could probably shop around for bonus offers with that much.

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Citi has a solid bonus for 25k. That’ll be a better return in the short term

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Marcus

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Currently? Rates are shit, but obviously good to have emergency cash. Find an account like GS, Ally or some online bank that has the highest rates. Be careful of some institutions, like Ally that limit withdrawal amounts per month. (Not to be confused with number of transactions that’s federally enforced for savings). There’s no wrong or right, as long as it is insured up to the 250k threshold and no fees.

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Equities. Too young to keep too much in HYSAs

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If you’re spending this money actively and soon then it doesn’t really matter what you put it in (because the time horizon is so short). So I would just put it in Marcus and call it a day.

It’s a bigger problem if you said I’m holding it for 10 years.

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