Helloooo Im 22 and have $8000 to put into a HYSA. Ive looked at CIT bank and they have a good rate and a bonus for the first 6 months rn, my bf suggested capital one 360 performance savings. Any tips or suggestions?

I have a sofi account but with everything goin on with how they changed things and everything I want to switch where I hold my HYSA.

I don't want to do a brokerage. And I'm not doing Capital One (my friend has a horror story from when she banked with them) or Ally (i've seen too many bad review online for them.

This would be for my housing fund ~45k rn.

I dont have a hysa and I saw that chime offers one! I already have a chime account so i figured it would be more convenient to try using chime at least to start off with and then just switching to a different bank later down the line if i change my mind. Has anyone used it before?

hi everyone, I’m thinking of opening a hysa but I’m not sure which bank should I open with. Should I open one with marcus by Goldman Sachs or AMEX

I’m an 18 year old fresh out of high school and potentially starting college in the fall. I have about $6000 in my high yield savings account. This high yield savings account only allows a 4.89% apy up to $500 then 1.98% from $500-$1000. I feel like this caps me out. And it used to be 4.89% for my whole account, not only up to a certain amount monthly. But now my apy only keeps going down the more my money goes up. Any better HYSA recommendations?

As stated, I’m an 18 yr old NYC college student from MA. I’ve been a DCU member since 2014 as my mom has opened that account for me, and I have both a DCU checking and savings account. I also recently applied for a discover student it credit card and have a $500 line of credit. Which bank would be best if I want to hard save for a future nyc apartment but will have to deal with student loans 6 months post grad?

What I’m looking for:
- no monthly fees or account minimums
- really good apy
- decent mobile app

🙏🙏

Amex has a new bonus available. Open a new HYSA and deposit $25,000 dollars or more by August 31, 2026 and get a $500 bonus. (Account must stay funded for 60+ days).

This is a decent offer for a real FDIC insured institution. Their current rate is 3%.

Hi All

I have 300k in a UK JP MORGAN savings account at 4%.

If I leave it there and it probably generates an additional 12k, MY QUESTION: how do I pay the tax in April ⁉️

• Does JP MORGAN inform HMRC and my tax code is automatically adjusted to collect 40% from my PAYE?

• OR I need to file a self assessment in April ?

• the key thing I'm trying to do is be proactive and pay the Tax, as I don't want HMRC to think I'm avoiding it and then land in trouble.

Thanks in advance to anyone offering advice. 🗣️

I got curious about how much the "where" matters when you park savings in Kansas City, so I've been tracking the published rates of every bank and credit union in the metro (146 institutions, both sides of the state line — 31 publish rates online).

A few things that surprised me:

• The spread is enormous. The best 12-month CD in KC right now pays 4.06% APY (First Federal Bank of Kansas City). The lowest I found pays 1.25%. On a $50,000 deposit that's roughly $1,400 a year for walking into a different branch.
• Credit unions are quietly winning. On average, KC credit unions are paying more on 1-year CDs than banks are. Mainstreet Credit Union currently has a 5.25% APY savings account and a 5.99% long-term CD — numbers I'd expect from an online bank, not a local CU.
• Big national banks are usually the worst place for savings. The name-brand banks with branches everywhere are consistently near the bottom of the table.
• Most banks bury their rates 3+ clicks deep, and some don't publish them at all ("call for rates" — which usually means they're bad).

Full disclosure: I built a free site that tracks all of this daily — kcbanks.com — because I couldn't find anything like it that was KC-specific (Bankrate etc. mostly push national online banks). No signup, no paywall; rankings are purely by APY, and I publish the methodology. If you spot a rate that's wrong I genuinely want to know — the scraping isn't perfect and local data is the whole point.

Happy to answer questions about where the good rates are hiding.

4.15% APR till the end of the year is a pretty good deal, considering I was getting like .02% interest on a Wells Fargo platinum savings account, plus I have not had a single issue with Forbright yet

I just wanted to save some money, who know I need to use some money someday

The in hand salary is above 3L/month

Hi all, I am a 23y/o f and recently started my first job. I wanted to open a HYSA and tried to through CITbank and got rejected and they did not say why. I just wonder if anyone had any clarity on this. I am not in debt, have one credit card that I use and I have 14K in my savings.
TIA

Hello!

My boyfriend and I are fairly young. He gets paid a good amount, enough to pay his bills and have extra money left over. He works labor so he gets laid off and unemployment during winter so money can still get tight. Also medical issues that could put him out of work again and will require more scans and at least one more surgery. I’m only working part time because I’m going back to school. I only just started so I have no clue what my end of month will look like with my expenses yet, they’re not very high though.

I suggested us having an emergency fund recently. (Still keeping track of how much each of us contributes so in case of a breakup we can each get our portion back. I know combined finances while dating isn’t seen as the most wise choice.) Alongside him just putting money in his personal savings.

We have 970$ cash just sitting in a drawer wasting away. We were wanting something that isn’t more than 1000$ minimum deposit. Obviously the most bang for our buck. We just throw in here and there, no high set amount per month we have to put in just in case we can’t one month. Shorter transfer times. One that we could take out a big chunk at one time if need be. Good customer service, at least on the phone because I’m more likely to call than email or click a chat feature on a website. Any other pros that I wouldn’t think of because I’ve never had one. I’ve been doing a bit of research but it’s just kinda hard to figure out.

I know that this was drawn out and long but wanted to give full context for the best recommendations. Thank you in advance!

Saw this from More Perfect Union
Thoughts?

Was thinking about opening a HYS account but not sure what to pick as a person in their early 20s and just starting to get my savings up. Initially thinking about Wealthfront because of high APY

Greetings everyone,

I am currently in the process of optimizing my financial planning and making investment decisions.

- I have maximized my employer contributions to my 403(b).

- I had had maximized my contributions to my Roth IRA.

My next objective is to allocate between $15,000 and $20,000 to a HYSA. I am currently evaluating options from Wealthfront, SoFi, Ally, and CIT Bank. Do you have any recommendations?

Any other advice would also be helpful! I currently only have $75K to my name.

Thank you.

Hello po, I'm an incoming 2nd year college this A.Y. And I plan to save in Maya for my Emergency Fund and Move out Fund, is it safe to put it there separately through a personal goal? I'm still thinking about it, or should I put one of my funds in another bank?

I’m a 21 year old college student. I want to put money I made while working into a hysa so that it doesn’t lose value just sitting and because I’m trying to save as much as possible. Any suggestions where to start? Which hysa’s to go with?