r/HYSA

I see a lot of "boosted" HYSA's on NerdWallet's website and very few true high yield banks (Peak Bank and Everbank). I chose a real 4.20% to put my money in but I wonder why the hybrid choices are so popular. SoFi for example is ranked "Best". Are they hoping we'll forget to move our money out after the six months are up? And I realize there is a bonus too.

My DH and I have about 100K at Open Bank but just saw that Elevault is offering 4.34% while Open is at 3.8%. After doing some research, it looks like it will be difficult to move the 100K over to Elevault from Open due to Elevault's 2,500 push/pull restrictions. I have an email out to Elevault support asking them if there is a better way to fund the account.

While I am waiting on their response, does anyone have opinions on this? Is it worth it for us to change HYSAs for the better rate?