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What to do with emergency savings if high-yield savings rate is low - Business Insider

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Is now the moment to, say, invest that capital? Swap to an HYSA with a higher rate? Consider a CD? Or should you adhere to experts' blanket advice to mostly do nothing and avoid looking at your account balances?

Two crossed lines that form an 'X'. It indicates a way to close an interaction, or dismiss a notification.The Fed has cut interest rates to near zero since the coronavirus has wreaked havoc on the economy, which sent APYs on high-yield savings accounts to new lows.

Since this money is for an emergency, it's important to keep it liquid in case you need it — especially in these uncertain times.

 

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