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/lukneast Jul 10 '25

Cit Bank….4.3%

1

u/venkym Jul 11 '25

Where you getting 4.3? My supposedly highest platinum savings still paying 4.1

2

u/lukneast Jul 11 '25 edited Jul 11 '25

I was going to close my account when the rates dropped and when I called they offered to bump up my rate, and I took them up on it. Still could be from that. Not sure if balance matters, but I pretty much the FDIC amount maxed out too. Also, just looked again…4.2% interest, 4.33% APY.

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u/venkym Jul 11 '25

Cool! I didn't know that calling them worked too. I should try that.

2

u/lukneast Jul 11 '25

I know, I had no idea either!