HSBC dropped HYSA rate from 1.6 to 1.3 ugh 😳

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You guys chasing HYSA bps in here absolutely slay me. 😂

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Comparing a mortgage rate to an HYSA rate is not sound. Like D1 said, the amount of money you need in an HYSA for 30 bps to make an appreciable difference is a number that if you had, you wouldn’t be socking it into an HYSA. It is a fool’s errand to chase these rates and trust me, any banker worth anything will be licking their chops if someone comes to them with a $1M opening deposit into an HYSA!

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Try to find a no-penalty CD. I think Ally is 1.3% for 11 months. Peace of mind knowing it won’t drop any further for the next 11 months.

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Welcome to the club...

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HSBC is offering a promo premier savings account that locks in at 1.5% for three months 😂

Your option definitely pays higher returns. However, I’d like to minimize the friction as I already bank with HSBC and would need to open a Citi account. Not sure if worth moving considering HSBC (IMO) offers better worldwide banking.

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