How many of y'all are utilizing an HYSA? I just joined wealthfront and currently receiving 4.55% with no risk

https://texags.com/forums/57/topics/3304647/last

4.55% is pretty solid; I have AMEX and think they're around 3.5% now

I use AMEX too just because I have cards with them and it's easy to move money in and out.

logano33 said:

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How many of y'all are utilizing an HYSA? I just joined wealthfront and currently receiving 4.55% with no risk

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Can you lock in at that rate as long as you keep a minimum amount in there or does it fluctuate?

If you don't need immediate liquidity, you can buy brokered CDs with the same FDIC insurance for slightly higher rates. Fidelity currently offering brokered 3mo CDs at 4.65% with slightly increasing rates for every additional 3 months up to 5.1% for a 1yr CD.

I've been moving most of the money I formerly had in HYSAs to short term CD ladders since it seems like my HYSA rates haven't kept up with increasing rates. For that matter, Fidelity money markets currently offering over 4.2% and adjusting/increasing weekly with full liquidity just like HYSA.

Yah, I have moved most of my cash into Treasuries the past month, spread is getting to big to ignore.

SWVXX pays 4.43%; full liquidity

Nobody mentioned VMFXX yet?

Currently at 4.52%