My HYSA is at 3.75% this week. If it doesn't go up again by February I'll consider moving. My Savings Direct was good enough to start saving with; I only left for the current bank when MSD stopped keeping up.
Have learned that the ones that raise rates fast often also drop them fast or have other disincentives. Only you can decide how much time and effort you want to put into researching a network of banks and moving your money around among them.
Urban-Elderflower t1_j2f7emj wrote
Reply to What to do with emergency fund? by jammun14
I was browsing this list, linked on another thread this week. https://www.doctorofcredit.com/high-interest-savings-to-get
My HYSA is at 3.75% this week. If it doesn't go up again by February I'll consider moving. My Savings Direct was good enough to start saving with; I only left for the current bank when MSD stopped keeping up.
Have learned that the ones that raise rates fast often also drop them fast or have other disincentives. Only you can decide how much time and effort you want to put into researching a network of banks and moving your money around among them.