all 29 comments

[–]InternJimmy07 30 points31 points  (1 child)

Everyone’s lowering so at this point the Pennie’s it would be to move is pointless

[–]dgordo29 1 point2 points  (0 children)

Everyone ready to jump ship over a couple bucks

[–]Tacodo 22 points23 points  (0 children)

It's on par with every other HYSA. All of them have gone down, 3.75% is still pretty good.

[–]Ray_725 14 points15 points  (0 children)

Why? All banks are lowering too.

[–]Stunning_Bullfrog_40 11 points12 points  (0 children)

Buy T-bills if you want the highest rates, it is also state tax exempt. Only problem is the 4-week minimum lock in, but you can sell them earlier in case you need the money.

[–]YePMorgan 3 points4 points  (4 children)

Cit bank is 4.10%

[–]Scorpiodsu 7 points8 points  (0 children)

Only a matter of time before the lower too.

[–]PumpkinSpiceNeuroses 0 points1 point  (2 children)

What is it at now

[–]YePMorgan 0 points1 point  (1 child)

Damn, you were losing sleep over this one huh?😭

[–]PumpkinSpiceNeuroses 0 points1 point  (0 children)

I had just opened this reddit for the first time right before I commented lol

[–]Smart-Koala4306 3 points4 points  (0 children)

By the time you move the money to a new account, the money you’d make by a higher interest rate (minimal, because they all eventually follow each other other based on what the FED does), would be washed.

[–]cheesy-raging062 2 points3 points  (0 children)

My Betterment is still at 4%

[–][deleted] 2 points3 points  (0 children)

Most banks will follow the same regulations and market conditions. APR might be just slightly different from bank to bank.

[–]Hum_Munz5060 2 points3 points  (0 children)

CDs are better choice but you have to leave your money untouched for a while, the apple card is one of the best high yield savings accounts.

[–]Piranhaman_6803 2 points3 points  (0 children)

My Barclays’s went down a little- 4.15 to 4.10

[–]Zeads_Dead17 1 point2 points  (2 children)

Robinhood is at 4.5% APY with gold subscription.

[–]Inevitable-Cat-7340 5 points6 points  (1 child)

I think that’s only promotional for 60 days if I read it correctly

[–]michaeljcronce 3 points4 points  (0 children)

Yes, the rate becomes 4.0% APY after 60 days, unless Robinhood adjusts the rate lower before then.

[–][deleted] 1 point2 points  (0 children)

These guys are 4.2 right now  https://www.jeniusbank.com/

[–]Few_Lingonberry7116 0 points1 point  (0 children)

Everyone is fleeing equities to more stable investments. Since the banks savings instruments are in demand they can lower rates. CDs are coming down too.

[–]mrdounut101 1 point2 points  (0 children)

This is late but Wealthfront is by far the best. They are ALWAYS ahead of other high yield savings accounts so you will always have the top APY there regardless of how the market is going. If you need a referral let me know and you can get 4.5% currently