What HYSA do you use and what's the APR?

[thecross3]

@christiandad I've been with Capital One for a very long time. 4.35%. Yes. there are higher, but this bank has always been trouble free for me.

 

[theclanofharris]

@thecross3 same, and I find it helpful to have my credit card there too. so if I need to use my credit card for any emergency, I have the cash sitting in my HYSA to pay it right off.

 

[romeo800]

@thecross3 That's really what matters more. You won't get much more than that anyway and it's a pain to always try and chase higher.

 

[jesussaves111]

@thecross3 Were you originally with ING ?

 

[holly65584]

@jesussaves111 Omg I forgot about ING! I was with them and got rolled over to capital one.

 

[thecross3]

@jesussaves111 Yes.

 

[holly65584]

@thecross3 Wait what? I just transferred all of my money out of my capital one savings accounts because the rates were garbage. Less than 1%. Am I missing something?

 

[yandy1919]

@holly65584 Maybe it was the wrong type of account? The performance 360 savings account has a good rate atm

 

[holly65584]

@yandy1919 Wow. I feel like an idiot. I had ING and it rolled over to capital one. That’s the account I’ve have with them for years. I didn’t know there was a different type of account with higher interest. I’m kicking myself for all the interest I lost.

Edit:
I’m also shocked capital one doesn’t market this more. I had a credit card with American Express and got intermittent mailings about their high yield accounts. Nothing from capital one and I have savings accounts and a credit card

 

[thecross3]

@holly65584 Capital One 360 Performance Savings Account

 

[emmy0922]

@thecross3 There must be different types of accounts with Capital One because I have a very old account with them from the ING days that gets .30% apy which is why I barely use it. I just hunted down the high yield account to open to keep a very minimal amount of money. Annoying that this is how they treat loyal customers but I'm happy to keep my savings at another bank.

 

[thecross3]

@emmy0922 I've been with them since the ING days. You just have to move the funds into the Capital One 360 Performance Savings Account

 

[emmy0922]

@thecross3 It's just annoying because at one point it was a HYSA but then the rates dropped so much that I wasn't paying attention and now all of a sudden it's not a HYSA anymore and I didn't realize they even had one. Great way to treat a loyal customer. I don't keep that much cash anyway so I normally just keep some to transfer into checking real quick if needed now that they also got rid of my overdraft line of credit. I tried to open one of their HYSA but they want me to call during business hours to open it for whatever reason. So screw it, my balance was getting a little too high with them so I went ahead and transferred to my other bank.

 

[hwillow]

@christiandad Apple (Goldman Sachs) 4.50%

 

[jakefromsf]

@hwillow Also Apple/GS here

 

[tennesseegirl1993]

@christiandad CIT 5.06% and fidelity FZDXX 5.15%

 

[ally143]

@tennesseegirl1993 I use CIT too for the HYSA and am happy with them.

 

[clay9000]

@tennesseegirl1993 You only get that rate at CIT if you have 5k in the account right?

 

[jacob12]

@clay9000 Yea, you need to have 5k for that rate at cit

 

[hansthompson]

@christiandad Synchrony 4.75%.