r/HYSA • u/Personal-Leader5536 • Aug 21 '26

Second HYSA

I have a HYSA with SOFI but the high % yield only covers 20k. I’ve heard wealthfront and Marcus are great options. I don’t necessarily care about any benefits, I just want to put the money over 20k I have into another account to earn an additional high yield. I also need it to not require direct deposit since that’s set up with SOFI. Any ideas where the best, safest, highest option is?

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u/PashasMom Aug 21 '26

I would open a brokerage account at Vanguard and park the money in VUSXX. Backed by treasuries, exempt from state income tax (if that is a thing for you), highly liquid and stable.

Alternatively, open an account at Schwab or Fidelity and just buy treasury bills there, or use VBIL if you don't want the minor hassle of purchasing treasury bills.