u/Over_Series_6006

Wondering where would be good to park some funds, and still make some money off of it. I've seen American Express savings at 3.5% and Vanguard at 3.7%? Would like to access funds if needed, low fees would be great, Vanguard is wanting me to do a brokerage account but not sure of fees (seems to be $200 per quarter) seems little steep? thx