Open a Marcus Bank high-yield Online Savings Account (which has no minimum balance and no fees) to earn an additional 1.0% APY for three months for a total of 5.15% APY. If you are a member of AARP you can earn an additional 0.1% for two years by using this link after you open the account: https://www.aarp.org/membership/benefits/finance/savings-goldman-sachs/