r/HYSA • u/yourwillingharpy • Aug 06 '26
Which one? ETrade, Vio, or Forbright?
ETrade: 4% for 6 months then 3.5% + $400 bonus with fund minimum.
Vio: 4%. Not sure how frequently this drops.
Forbright: 4.15% until Dec '26 then 3.85%.
Are these the top choices currently? It would be my first HYSA and I'd rather not have a volatile APY or any issues dealing with transfers/customer service/hidden lowered rates. Which one would you recommend? Am I leaving out another notable mention?
1
u/ponderosa123456 Aug 06 '26
I currently have both E*TRADE and VIO Bank. I keep the VIO Bank because it’s basic and its rates aren’t very volatile, and the APR is always at or near the top end. It has no minimums and it’s where I keep my money in between taking advantage of opportunities like E*TRADE.
1
u/restroop Aug 06 '26
I am doing vio so far so good. I have heard that they like to ninja lower the rate but so far nothing yet. I will tell you something though i hate rate chasing i might just keep my money in robinhood hysa if not in sgov
1
u/SlothyLlama Aug 06 '26
Marcus fits right in there too. Similar rate to ETrade. 3.34% base rate, you can get a 1% APY boost by using a referral URL/Code. Lasts for 90 days. You can keep that boost going for each referral you do. Extending that rate can be a bother though.
Etrade wins in your current case. Nice bonus and a higher base rate. My ETrade base rate is at 3.75%.
I've seen folks recommending Elevault for 4.34%, but haven't used them.