Does Vanguard have a HYSA and if so, what’s the rate? Looking to see if I should move from SoFi, which is at 4.6.

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Vanguard is not a bank so they don’t have savings accounts. They do have money market funds. VUSXX would be a good alternative to HYSA

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OP, yes, they have a cash account that is like an HYSA and they put the money with a bank, which they disclose the last and you can opt out of any on the list (e.g. you already have FDIC limit anoint at one of them directly so you don't want more money there).

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Vanguard has a “Cash Plus Account” which has 4.7% APR, routing and acct # if you want to pay bills from it but don’t believe you can get a debit card or write checks from the account

Yep. It is something new they are starting. I’m sure the others will start doing this as well.

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