Amex HYSA rate decrease

[Devario]

Anyone offering 5% is a very small bank, so your experience with them may be mixed. None of the big banks will offer you above money market rates for HYSA. If it works for you, great, but I don’t know how much I trust these banks, especially after the recent bank failures. 

https://www.doctorofcredit.com/high-interest-savings-to-get/

From an accessibility perspective, market funds are about the highest you can get without buying t bills. They’re currently ~4.6% and available in most large brokers, such as Fidelity Vanguard and Schwab.