This post is not an advertisement for any of listed banks. It is here purely as a reference regarding top APY banks in USA offer at the moment, January 2017. Contrast those with current projection of 2.1% inflation based on statistical data from US Bureau of Labor Statistics, and it is blatantly obvious that your buying power is going down if you just keep your money in best available savings accounts.
Short term certificates of deposit, where they freeze few thousand dollars, tend to have APY of as little as half of what I listed here. Long term certificates of deposit can go up to couple percent, but even in best case scenario you are simply letting someone else use your money to make more money for themselves while you are staying at status quo.
Just something to think about.
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