>>939376714
That one is only for people who live in my state. Credit unions are really nitpicky about their fields of membership (usu it’s what state you live in, your employer, your religion, etc) This particular one isn’t mine, but for example, WECU in Washington state pays 8 percent APY (up to a 5-6 grand balance)
You also have to make sure you can navigate the card spends without overspending (there are ways to do it…reload your toll pass by $1, add $1 to your paypal wallet using your debit card, pumping $1 of gas, use your imagination)
But if you google around, you may be able to find one near you.
Bankrewards.io and Doctor of Credit have been helpful for me too.
If you have access to direct deposit, you can churn bank accounts for bonuses. You get extra tax forms (and tax debt) at the end of the year but I’d argue it’s worth it. Ofc, however, some people are retards and can’t manage 10-20 different bank accounts simultaneously.
>>939380581
CDs most certainly do not outperform HYSA in my experience. The benefit of a CD is locking in your rate for longer, so you take a hit by a matter of a few percentage points, for the privilege of doing so. HYSA’s, especially smaller fintech companies will offer high rates at first, then drop them later on (Milli, MyBankingDirect, etc. all pulled this trick on me)
