Hysa reddit.

BouncyEgg. • 1 yr. ago. There's some slight, but not significant, increased risk utilizing a money market fund (use the words "breaking the buck" in your research). But yes, the 7 day SEC Yield is pretty much directly comparable to a bank/CU's published APY. Consider SPRXX for even more slightly (again pretty much …Hey everyone, I know this question has been asked many times before, and have done my own research as well, and am currently leaning towards a CIT hysa at 5.05% as of Jan …If you can find an invite, HMBradley is a good spot to park up to $100k at up to 3.5% and lots of fine print; Series I bonds are 3.5+% right now if you can tolerate a one-year lock-up; otherwise you're looking at ~0.5% most places. If you have access to a consistent 0.75%, it's worth exploring to see what the terms are. Yeah but series I bonds ...SoFi is pretty good if not the best HYSA, they became an official bank last year so they are FDIC insured and give 3.75% APY when doing they direct deposit no matter the amount and is for both checking and savings account. ... This is the global dual-language Reddit home of the country Vietnam. Chào mừng bạn đến với ngôi nhà trên ...it’s normal. many banks have a interest rate of 4-5%. the issue is that it’s just a HYSA and the APY can go down at any time without a heads up. if you aren’t looking to spend your savings soon, i would look into a cd. the APY will be locked in for however long you set the duration to. downside is that you won’t be able to …

Mar 7, 2567 BE ... But if that was the case, I would likely just put in on my credit card so do I even need that much in a bank savings account? Should I transfer ...Amex hysa is currently earning 3.3% apy. No direct deposit requirement either. Overall, I’ve been very happy with my Amex account. I’m in the process of moving most of my e-fund from Ally at 3.3% to a 13 week T-Bill ladder, due to the 13 week T-Bills currently hovering around 4.5%.

SoFi Bank, N.A. is a digital experience powered by the SoFi app featuring SoFi Checking and Savings accounts that allow you to save, spend and earn cash-back all in one place. Members can earn up to the highest APY on their Checking and on Savings with active direct deposit. Members without direct deposit will still earn …

A lot of people have been talking about I Bonds but if I do the math, I think i'm better off keeping the cash in an HYSA? Let's say I have $70,000 in…HYSA alternatives on Fidelity or Schwab? Money market funds at these brokerages have very good +4% APYs. (SPRXX, SNVXX) Both also offer checking with very good benefits, no fees and I’ve had good experience with their customer support. It seems to me that these might be a replacement for an HYSA/Checking account, on top of also holding ...HYSA is the same thing as a regular savings account just with a competitive rate of interest paid. By competitive, I mean that it still sucks, but it sucks less than most other banks. HYSA is restricted the same way savings accounts typically are. Checking "pays you" by processing transactions and checks for free.Hello all. I'd like some tips on setting up a high-yield savings account. I've been watching some financial influencers discussing doing so but I wanted to know the best way to do this. My current bank gives me 0.40 APY. Would it be best to transfer half or about $1000 to a HYSA right now and add a little bit more each month?

If I were to use Apple Pay + HYSA, I would get 2% back right away, which is $0.60, then, after one year, that $0.60 grows to all of $0.63. So I am way ahead, almost double, using the Costco card, for gas. So it makes the best sense to use the Apple Pay + HYSA anytime the return on the other card is 2% or less.

In today's savings account interest rate environment, you should aim for an account that earns at least 3.50%, with the best savings accounts offering upwards of 4.5%. Many banks offer interest ...

HYSA vs investing right now. I’m 24 and have my retirement savings well funded (almost maxed 401k and max Roth IRA), no debt, and only goal for house purchase is in 4-6 years, probably closer to 6. I put at least $15k into my brokerage account every year, and for the last 2 years had the rest sitting in my checking account.A user asks about the pros and cons of transferring most of their cash to a high-yield savings account (HYSA) with SoFi. Other users share their experiences, opinions and …Hi All, I am looking to open a HYSA and start with $7,000. I've narrowed it down to Synchrony (1.55%), Goldman Sachs (1.50%), and Amex (1.45%). I'm heavily leaning toward synchrony, but I can't find a lot of information about how they are...if people like this HYSA, customer service, et. Reaching out to this community to see if anyone has had ...Unlike Twitter or LinkedIn, Reddit seems to have a steeper learning curve for new users, especially for those users who fall outside of the Millennial and Gen-Z cohorts. That’s to ...Ally's HYSA is at 4.25% and Alliant is at 3.10% while I'm seeing more and more financial institutions over 5% on depositaccounts.com. The problem is knowing which of the top interest payers right now aren't going to pull the rug out like you said. ... Thank you, kind reddit user I want to open a HYSA and found that ally and marcus sach are both popular choices but marcus sach has a referral/sign up bonus. Not sure if that bonus is worth it since it is only for 3 months. Which one would you recommend? I currently have $60k in a checking account (Bad. I know.

Use whichever one has a higher rate. As a side note, HYSA and money markets aren't an investment. They are just holding vehicles for liquid cash. Both are fine for under 5 years and a specific savings goal. Money markets are available through Fidelity for over 3% as a settlement fund. Not hard to find 3.25% or so. But the service becomes infinitely better once you have AMEX credit cards. You can then link your HYSA to your Amex cards which you can check via the AMEX app. Whether to check your balance, transfer money which you can now do, and even use the account IF NECESSARY to pay down your balance! Mind you both AMEX customer service teams are separate ... Feb 4, 2567 BE ... A bit confused with your question since HYSA are savings accounts with banks. I keep mine in Money market or short term treasury ETF which gets ... Interest rates will change all the time, so no one bank will always have the best rate. All of those options are good. However, Marcus does not have a checking account. Ally and Discover both have checking and savings accounts. rons27. I use Ally, DCU, and HEBDebit. Your first $1,000 should go to DCU which offers 6.17% APY on amounts up to $1,000 or about $60 a year. Your next $2,000 should go to HEBDebit which offers 6% APY on up to $2,000 or about $120 a year. Between DCU and HEB, you’ll earn about $180 in interest annually on your first $3,000. Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are …

View community ranking In the Top 1% of largest communities on Reddit. Replacing a high-yield savings account (HYSA) with a mix of 50% JEPI (JPMorgan Equity Premium Income ETF) + 50% BSV (Vanguard Short-Term Bond ETF) ... Replacing a high-yield savings account (HYSA) with a mix of 50% JEPI (JPMorgan Equity Premium Income ETF) + 50% …joelly. Posts: 502. Joined: Mon Oct 27, 2008 4:22 pm. Any thoughts on Western Alliance Bank HYSA. by joelly » Fri Jun 23, 2023 10:21 pm. Hi Everyone, I got …

Ant10117. •. Your statement is true for APR (annual percentage rate) but 5% annual percentage yield (APY) is 5% growth so $1,000 would become $1,050 after one year either way. SoFi takes your daily balance and calculates the interest (based on the APR not APY) but they do not apply that interest to the account until the end of the month ... Reddit is a popular social media platform that boasts millions of active users. With its vast user base and diverse communities, it presents a unique opportunity for businesses to ...Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are …Look at the historical trend and that should put you at ease. A Roth and a HYSA completely different types of accounts. One is for your later years to sustain you and the other should just be for small goals and/or emergency funds. You are down less than 4% in a year when the market was down about 20%.Nov 1, 2566 BE ... They pay 0% until 10k and 0.8% after that on CHF. Around 3% on EUR and 5% on USD but with the same 10k threshold. Absolutely not worth it unless ...HYSA, FDIC insured. interest fully taxable. Funds are considered fairly liquid, 2-5 days I'd guess. CD's , FDIC insured. Interest fully taxable. Funds are locked for the term of the CD. MMMF, no FDIC, but thought to be really really safe anyway. Interest taxability depends on the fund, some invest in treasuries, so a percentage would be state ...Customer service is important to many people and Ally and Discover get good marks. Ally is popular because it’s an overall solid bank. Good app, good APY, fast transfers, 24/7 customer service, etc. there are other good options but personally I use Ally for HYSA and checking. Never have issues and have been pleased.Jun 6, 2566 BE ... Western Alliance is now offering 5.15% for its HYSA. It uses the Raisin online storefront. https://www.raisin.com/en-us ...SoFi Bank, N.A. is a digital experience powered by the SoFi app featuring SoFi Checking and Savings accounts that allow you to save, spend and earn cash-back all in one place. Members can earn up to the highest APY on their Checking and on Savings with active direct deposit. Members without direct deposit will still earn …

So basically they make money by taking on fixed income assets that have a higher interest rate than they pay you. iheartpizzaberrymuch. • 1 yr. ago. A high yield savings account is good if you don't move your money around often because after 5 outgoing transactions a month you are charged a $10 fee.

Hey y'all, Looking to park ~30k (emergency fund + beginnings of saving for a downpayment) in a HYSA. I've heard good things about Ally, but there are a LOT of options for high yield online banking nowadays, some of which are up to almost 5% interest as of this month.

Dec 29, 2565 BE ... They automatically raise interest rates on the HYSA without you needing to do anything. They currently pay 3.3% but there are many others that ...A website’s welcome message should describe what the website offers its visitors. For example, “Reddit’s stories are created by its users.” The welcome message can be either a stat...The real question is how the 0.5% "high yield" accounts can stay in business when you can get plain accounts paying 1%, and much higher with some limits: 1% with no limit at T-Mobile Money. 2% on the first $20,000 at Elements Financial Credit Union, requires 15 withdrawal transactions per month but bill pays qualify.Advertising on Reddit can be a great way to reach a large, engaged audience. With millions of active users and page views per month, Reddit is one of the more popular websites for ...Nothing that effects liquidity. You need to login to your account once a month, make 1 deposit a month (0.01 works) and make 15 purchases with the account debit card (0.50 amazon reloads works for this). Takes me 5 minutes to do all this on the 1st of each month and I get 3.3% on my emergency fund. Easily worth the minimal effort to me.I personally split the difference - I have some in a MMF and some in a HYSA (note: avoid Citibank if you ever want to see your money again). The only reason I could think of is that it usually takes longer to move money (e.g. ATM, wires, transfers) around with a money market account vs. a HYSA, especially in an emergency or otherwise time ...SoFi has 1.2% i believe. With a bonus for reaching $3k or $5k and direct deposit. [deleted] • 2 yr. ago. I find Ally's app to be much slower than C1's. Also, Capital One has cafes all around the country if you ever need to deposit cash. r/personalfinance.Get app Get the Reddit app Log In Log in to Reddit. Expand user menu Open settings menu. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; ... My girlfriend and I are looking to open a joint HYSA so we can have a percentage of our paycheck sent to savings for a home. We both currently use PNC bank for our personal accounts, but ...r/fidelityinvestments. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more.

If I take $11800 (4500+7500) at 3.68% that's 434.24 a year or $36.18 for that month so assuming you added 7500 a few days in that seems close. That sounds about right? $7300+4500 = $11800 + 3.75% = $442/12 = $36.78 Amex uses a …The Alto site is 100% legit. I spoke to BMO agents who confirmed. It's a wholly separate site from BMO by design, on different banking platforms, which allows BMO to provide really good interest rates. Rates are now 4.5%, which are among the best I've seen in the market.I personally split the difference - I have some in a MMF and some in a HYSA (note: avoid Citibank if you ever want to see your money again). The only reason I could think of is that it usually takes longer to move money (e.g. ATM, wires, transfers) around with a money market account vs. a HYSA, especially in an emergency or …Instagram:https://instagram. new restaurants in albuquerquebattleship moviesfascia board repairnew york flushing restaurants Reddit, often referred to as the “front page of the internet,” is a powerful platform that can provide marketers with a wealth of opportunities to connect with their target audienc... flea carpet treatmenthow much to install a fence If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma...Both are perfectly valid picks; one is cash and the other is an investment. Keep in mind that the MM fund is not "offering" you 2.5%; the actual return will swing slightly with the markets. Pick whichever you like, or from any number of other options. Some people would argue the HYSA is safer given FDIC, but I wouldn't worry too much. strawberries and cream frappuccino A website’s welcome message should describe what the website offers its visitors. For example, “Reddit’s stories are created by its users.” The welcome message can be either a stat...In contrast, there are banks and credit unions (usually online only) that offer much higher interest rates. So for example the current average rate is around .40% to .55% and up till pre-2020, it was around 2%. There is nothing particularly special about HYSA vs regular savings accounts other than the interest rates.