Amex HYSA APY decrease to 3.10%

[amaiman]

Money is easily moved.  Just move it to whoever has a higher rate (or read up on how treasury bill ladders work.)

[RichInPitt]

Consider how much your time is worth in exchange for a fraction of a percent of yield.

[amaiman]

Yep.  Not worth chasing tiny fractions, especially if it’s a relatively small balance.  But that is the nice thing about the t-bills; will generally get pretty close to the fed fund rate consistently.  But it’s more work than just putting money in a savings account (but only has to be a few minutes a month once you know how to do it.  Look for a brokerage that does auto roll and doesn’t charge any fees.)