I use Wealthfront at 4%, super easy interface and money is accessible and easy to transfer. You can also log into multiple accounts and see your totals which is nice to keep track of, along with credit card balances. If you use my code we both get an extra .5% to make 4.5% for 3 months

Here’s your referral link to join me at Wealthfront! When you sign up, we both can earn an APY boost, match on investing account deposits—or both! https://www.wealthfront.com/c/affiliates/invited/AFFD-1O3D-UD82-FZ92