What online high yield savings account would you recommend and why? what’s their APY? Currently with Ally and Capital One but their rates have gone down

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HMBradley - 3% APY

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Every rate has gone down, so you won’t see any significant differences between banks. Pick the bank you are most comfortable with or has the features/products you like most.

I use Discover for my HYSA since they have a 1% cash back checking account. My rental portal only charges $3.95 for debit card payments, so I net ~$9/month just for paying rent.

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Blockfi. 7%

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All the big banks have lowered their rates. I use Marcus and it's only 0.5% which is normal. Happy to send you a referral if you want. We'd both get an extra 0.2% for 3 months (not much but it's something).

There's also HMBradley. Do a search in this bowl and/or look them up to understand their savings "tiers," where you can earn anywhere from 0% to 3%. It's a good spot to park an emergency fund or any cash you don't plan on spending. Most people that use HMB have a second, more active account to pay for expenses, in order to preserve their HMB tier.

Thanks, all! I think I’ll go for HMBradley

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