[quote=bewildering]I use Goldman Sachs AKA “Marcus” for my emergency fund. It is at 1.40% at the moment. No hassle setting up the account or transferring money.

The rates are getting better. There seems to be a little competition between online banks for the best rates at the moment. Although I remember the days of 5% interest.[/quote]

what is the term of the 1.4%? Is it one month CD or money market?

Schwab had a few 1months at 1.3%, a lot of 3month at 1.5% and I think 1 year at 1.8%

just wanted to compare rates a little. I don’t think I’ll change, because I can ladder different CDs for my cash reserves and I don’t want to tie it up longer than 3months at most.

FWIW I think the yield on the vanguard prime money market is around 1.3% I think….it can be liquidated in a day. not insured, though I doubt vanguard is going anywhere soon.