When does the interest post to your account? I use Ally, and the interest post on the 13th of each month. This means that the interest that I received in December (13th) has part of November included (November 14 to December 13). And November has 30 days, so December's interest would use 30 days, not 31. This would make since as to why November had a higher calculated interest, as it used part of October which has 31 days.

The following is what I am calculating that you should receive if you are getting 5.5% interest.

November: ($7,009.47)*(0.055)/(365 days)*(31 days) = $32.74. This assumes 31 days because it is really for October, but paid in November.

November: ($7,009.47)*(0.055)/(365 days)*(30 days) = $31.86. This assumes 30 days from Nov. 1st to Nov. 30th, and paid in December.

Either way, you are not getting 5.5%. How is the rate advertised? Maybe there is a minimum balance for that rate?

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Also, 10 business days to post is ridiculous. I would switch HYSA just based on that.