It's slightly above the best nationally available current rates (2.5% APY -- https://www.fragiledeal.com/t/best-nationally-available-high-apy-liquid-accounts/23

It's slightly above the best nationally available current rates (2.5% APY -- https://www.fragiledeal.com/t/best-nationally-available-high-apy-liquid-accounts/2349 https://www.fragiledeal.com/t/best-nationally-available-high... ). It will be interesting to see if they * maintain a 0.5% spread above the best nationally available rate as rates rise elsewhere as an ongoing customer-acquisition cost * just stick to 3% even as other banks raise their rates higher over time, assuming that 3% is good enough and their product is sticky enough that people won't move