@champ1987 2.6% is kinda low in my opinion. I use a capital one 360 performance savings account and get 4.35% interest. I believe there is also higher at other banks.
@champ1987 I might be reading your post wrong, you are getting 2.6% per month or per year? Capital One offers 4.35% per year with it paying out monthly which would in turn compound month after month.
@champ1987 If you are in the US no, Fidelity money market which is same as cash is at 5%. Not a bond. Not sure about other countries but there will be basically no “compounding” because it is so low