1%+ APY savings accounts are commonly available outside of the mega bank world. Online banks (which are real FDIC insured banks that just don't have the overhea

1%+ APY savings accounts are commonly available outside of the mega bank world. Online banks (which are real FDIC insured banks that just don't have the overhead of national chains and all their branches) and credit unions have competitive rates. https://www.doctorofcredit.com/high-interest-savings-to-get/ https://www.doctorofcredit.com/high-interest-savings-to-get/