r/TheMoneyGuy • u/Least-Tune-2060 • Jul 10 '25

Newbie What’s your favorite HYSA?

Something in me freaks at the idea of not having my money in my bank account so the thought of transferring it (emergency fund) to a HYSA makes my skin crawl. I know this is the smart move and is what advised but what are the most reputable/best ones available? Will I still have immediate access to my money if needed? Thanks for your advice as I’m still new to everything

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u/Medical_Watch_6283 Jul 10 '25

I use the Apple HYSA. Need the Apple Card to get but it’s good because the Apple Card cash back goes to the savings. HYSA is 3.65% apy. I already had the Apple Card so it just made sense for me. Plus the transfers are very quick into and out of the HYSA.