Savings accounts will pretty much never pay more than the Federal Funds (prime) rate. Back in 2019 when the prime rate was 2.25-2.50, the high yield online savi

Savings accounts will pretty much never pay more than the Federal Funds (prime) rate. Back in 2019 when the prime rate was 2.25-2.50, the high yield online savings accts were paying 25 bps under the prime rate. As the Fed starts hiking the prime rate over the summer, high yield savings (Marcus, discover, etc) will start yielding more.