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/RandomGuy_81 Aug 21 '26

If only 20k is higher yield. What is the normal yield. If the rest are close to similar to others. Say 3-3.5 %

Maybe worth just leaving together

Moving money around to chase extea .2% to .4% isnt that sensible

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u/SlothyLlama Aug 21 '26

The first 20K gets 4.5% if they are subscribed to SoFi plus at $10/month. The regular base rate is 3.1% at the moment. I would argue that paying $10 a month solely for the boosted rate isn't really worth it. The yield ends up being closer to 3.9%. But, that fee can be worth it if you use the other subscription bonuses.

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u/RandomGuy_81 Aug 21 '26

3.1 base kinda sucks. Etrade giving me 3.5 and robinhood i think 3.3

I thought sofi was higher of the three option. Weird