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Feb 5, 2023
8:51
:27
pm
Ozymandias
All-American
It’s a savings account. No required duration, no fees. It has been easy to move
money in and out electronically.
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Ozymandias
Previous username
imanihonjin
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Ozymandias
Joined
Oct 9, 2006
Last login
May 2, 2024
Total posts
28,152 (1,277 FO)
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Messages
Author
Time
For those of you who use them, what have you found to be the best HYSA? Consider return, fees, access, terms, etc.
unctoothman
To extract or not to extract..
2/5/23 8:41pm
CIT Bank. 4.05% APR.
Ozymandias
2/5/23 8:45pm
That's what I use
Yes
2/5/23 8:48pm
Quick look didn't show any of their terms. If you use them, what are the limitations on access, required duration, etc?
unctoothman
2/5/23 8:49pm
It’s a savings account. No required duration, no fees. It has been easy to move
Ozymandias
2/5/23 8:51pm
No required duration, regular savings account rules on access (I think 6 max
zuko
2/5/23 8:52pm
The $25k or minimum required deposit isn’t required on the Savings Connect
Ozymandias
2/5/23 8:58pm
Ah, you are correct
zuko
2/5/23 9:00pm
And free wires out, if balance minimums are met, if that’s important to you.
JJCoug
2/5/23 9:14pm
Ally Bank, looks like it's at 3.40% for savings account.
Boredname Checks Out
2/5/23 9:02pm
Cyprus credit union had 5.15% for a CD but that promo is over.
Veracruz
2/5/23 9:03pm
Vanguard money market fund. I know it’s not technically fdic insured but VMFXX
ForzaPuma
2/5/23 9:05pm
This is the answer here.
Acorn
2/5/23 9:18pm
I think they are around 4.5% but someone else can look it up
Acorn
2/5/23 9:19pm
You got it. 4.49% as of 2/3
rivercitycoug
2/5/23 9:26pm
What if I'm only looking for something for say 12 or 18 months? VMFXX is an investment fund, correct? Which means it
unctoothman
2/5/23 9:28pm
HYSA yield can drop whenever the bank decides it doesn’t need the deposits
ForzaPuma
2/6/23 6:01am
I like Ally Bank. I typically don't chase rates but they tend to be near the
LaserCoug
2/5/23 9:10pm
Synchrony tends to be higher by about 25 basis points. Sofi too, but they are a
Acorn
2/6/23 12:17pm
Wealthfront
CSoul
2/5/23 9:13pm
I'm a Wealthfront fan
inertiaman
2/5/23 9:35pm
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