That assumes that 4.81% will remain 4.81% for the foreseeable future. It's a common tactic to offer premium rates, and then drop the rate precipitously once th

That assumes that 4.81% will remain 4.81% for the foreseeable future. It's a common tactic to offer premium rates, and then drop the rate precipitously once they meet some quota N months later. Capital One did this circa 2020, for example. That being said, if you're willing to play the game and monitor your monthly interest rate updates, go for it. Otherwise, if you're a normal person who likes to ignore their HYSA account, it's prudent to go with people who are offering a rate closer to 4% (e.g. Marcus by GS is currently at 3.9%).