I've transitioned my working funds (checking & MMA) over to Century direct to maximize interest on them. I've put my rainy day funds in Capital One Costco online savings. The Costco/Capital One Joint marketing program gives you an extra 20 or 60 USD (for regular and executive members respectively) and if your balance is over 10k you get 3.75% APY. All of these rates are not able to keep up with the ramped inflation out there but you've got to keep your funds in safe, liquid FDIC insured accounts somewhere and this arrangement appears to be the best I can find out there. Anyone see/find anything better? Thanks in advance.
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