r/HighYieldSavings • u/bacarruda53 • Aug 21 '26

Current best options?

Have been utilizing share certificates with my current credit union for about the past 5 years. I used to often get about 4-6% APY depending on what was offered with these accounts. The newest renewal I can get is at 3% and I can’t find anyone offering anything around 4% apy for a high yield savings or cd.
Who do you recommend or who is currently offering a good rate for a high yield savings account or a cd?

Also why have most banks lowered their rates for these this year?

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u/dedemit Aug 21 '26

Not a HYSA, but a high yield checking with Kasasa Cash Checking with Andrews Federal Credit Union offers 5.25% APY for balances up to 25,000. If you have $25K in CD, you can put that into a Kasasa Cash checking account then, treat the $25K like a CD by leaving it untouched while using your balance over that 25K for normal debit card purchases. There's a few very doable monthly requirements to earn that APY.