{ "media_type": "text", "post_content": "Marcus by Goldman just sent me an email, the day after I funded my HYSA with them, to let me know they are dropping the rate from .6 to .5. This feels like a con. Anyone else have this happen? Might as well just bundle all my Amex accounts and switch to Amex HYSA since it is currently at .6", "post_id": "5fb4162ad4be7200252f6d24", "reply_count": 2, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Marcus by Goldman just sent me an email, the day after I funded my HYSA with them, to let me know they are dropping the rate from .6 to .5. This feels like a con. Anyone else have this happen? Might as well just bundle all my Amex accounts and switch to Amex HYSA since it is currently at .6

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The interest rates are subject to change. You'll be moving your money every couple of weeks if you're trying to chase the best rates. What would probably help to put this in context is to calculate the actual amount you'd be getting in additional interest if you're chasing 0.1% interest rates. Are you talking like $25 for the whole year, assuming you're not carrying excessive cash on hand? Personally, not worth the effort of switching imo. AND that's assuming that one bank always has the highest interest rate, which is not true.

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If you want to have the highest possible rate you gotta find a promo rate to lock in. Otherwise as the other poster mentioned rates subject to change, banks are a for profit business feeling the squeeze like everything else

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