{"id":135,"date":"2021-05-01T20:05:11","date_gmt":"2021-05-02T04:05:11","guid":{"rendered":"https:\/\/www.xiaojeff.com\/?p=135"},"modified":"2024-01-03T14:13:51","modified_gmt":"2024-01-03T22:13:51","slug":"high-yield-savings-account","status":"publish","type":"post","link":"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/","title":{"rendered":"High-Yield Savings Account\u63a8\u85a6\uff01\u4f60\u4e0d\u77e5\u9053\u7684\u7f8e\u570b\u9ad8\u5229\u606f\u7684\u5132\u84c4\u5e33\u6236"},"content":{"rendered":"\n<p>\u9084\u5728\u628a\u9322\u5b58\u5728\u9280\u884c\u55ce\uff1f\u4f60\u77e5\u9053\u7f8e\u570b\u6709\u4e00\u7a2e\u9280\u884c\u5e33\u6236\u7d66\u51fa\u7684\u5229\u606f\u8d85\u51fa\u4e00\u822c\u7684savings account\u81f3\u5c1120-50\u500d\u4ee5\u4e0a\u55ce\uff1f<\/p>\n\n\n\n<p>\u9019\u7bc7\u6587\u7ae0\u6703\u4ecb\u7d39\u4ec0\u9ebc\u662fhigh-yield savings account\uff0c\u9084\u6709\u71b1\u9580\u63a8\u85a6\u5594\uff01<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">\u6587\u7ae0\u76ee\u9304<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-661f625f71f2e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-661f625f71f2e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#High-yield_Savings_Account%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\" title=\"High-yield Savings Account\u662f\u4ec0\u9ebc\uff1f\">High-yield Savings Account\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#High-yield_Savings_Account%E5%AE%89%E5%85%A8%E5%97%8E%EF%BC%9F\" title=\"High-yield Savings Account\u5b89\u5168\u55ce\uff1f\">High-yield Savings Account\u5b89\u5168\u55ce\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#High-yield_Savings_Account%E7%9A%84%E4%B8%89%E7%A8%AE%E7%94%A8%E9%80%94\" title=\"High-yield Savings Account\u7684\u4e09\u7a2e\u7528\u9014\">High-yield Savings Account\u7684\u4e09\u7a2e\u7528\u9014<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#1_%E7%B7%8A%E6%80%A5%E5%82%99%E7%94%A8%E9%87%91_Emergency_Funds\" title=\"1. \u7dca\u6025\u5099\u7528\u91d1 Emergency Funds\">1. \u7dca\u6025\u5099\u7528\u91d1 Emergency Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#2_%E7%9F%AD%E6%9C%9F%E5%84%B2%E8%93%84%E7%9B%AE%E6%A8%99\" title=\"2. \u77ed\u671f\u5132\u84c4\u76ee\u6a19\">2. \u77ed\u671f\u5132\u84c4\u76ee\u6a19<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#3_%E6%9C%AA%E4%BE%86%E5%A4%A7%E7%AD%86%E8%8A%B1%E8%B2%BB\" title=\"3. \u672a\u4f86\u5927\u7b46\u82b1\u8cbb\">3. \u672a\u4f86\u5927\u7b46\u82b1\u8cbb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#High-yield_Savings_Account%E6%8E%A8%E8%96%A6\" title=\"High-yield Savings Account\u63a8\u85a6\">High-yield Savings Account\u63a8\u85a6<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#1_SoFi_Savings_%E9%A1%8D%E5%A4%9625%E7%BE%8E%E9%87%91%E7%8D%8E%E5%8B%B5\" title=\"1. SoFi Savings (\u984d\u5916$25\u7f8e\u91d1\u734e\u52f5)\">1. SoFi Savings (\u984d\u5916$25\u7f8e\u91d1\u734e\u52f5)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#2_Capital_One_360_Performance_Savings\" title=\"2. Capital One 360 Performance Savings\">2. Capital One 360 Performance Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#2_Ally_Bank_High-Yield_Savings_Account\" title=\"2. Ally Bank High-Yield Savings Account\">2. Ally Bank High-Yield Savings Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#3_American_Express_High-Yield_Savings_Account\" title=\"3. American Express High-Yield Savings Account\">3. American Express High-Yield Savings Account<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.xiaojeff.com\/high-yield-savings-account\/#%E8%AA%B0%E4%B8%8D%E9%81%A9%E5%90%88\" title=\"\u8ab0\u4e0d\u9069\u5408\">\u8ab0\u4e0d\u9069\u5408<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"High-yield_Savings_Account%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span>High-yield Savings Account\u662f\u4ec0\u9ebc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>High-yield savings account\uff0c\u662f\u4e00\u500b\u63d0\u4f9b\u9ad8\u5229\u606f\u7684\u9280\u884c\u5132\u84c4\u5e33\u6236\uff0c\u4ed6\u4ed8\u8d85\u904e\u4e00\u822c\u9280\u884c\u5132\u84c4\u5e33\u6236\u5229\u606f\u768420-50\u500d\u4ee5\u4e0a\uff0c\u6709\u4e9b\u751a\u81f3\u8d85\u904e\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u5927\u90e8\u5206\u7684\u4eba\u6703\u5728\u4ed6\u5011\u539f\u6709\u7684checking account \u9280\u884c\u8fa6 savings account\uff0c\u4f8b\u5982\u8aaa\u7f8e\u570b\u6700\u5e38\u898b\u7684\u50b3\u7d71\u9280\u884c\uff0cChase, Wells Fargo, US Bank, Bank of America \u7b49\u7b49\uff0c\u4f46\u5f80\u5f80\u9019\u4e9b\u7f8e\u570b\u5927\u9280\u884c\u90fd\u7d66\u5f88\u4f4e\u7684\u5229\u606f\u50cf\u662f\u6bcf\u5e740.01%\u3002<\/p>\n\n\n\n<p>\u800c\u8ddf\u9019\u4e9b\u50b3\u7d71\u7684\u9280\u884c\u64c1\u6709\u7684savings account \u4e0d\u540c\uff0c\u7db2\u8def\u9280\u884c\u7531\u65bc\u5f88\u5c11\u6216\u6c92\u6709\u5be6\u969b\u5e97\u9762\uff0c\u6240\u4ee5\u6c92\u6709\u9019\u4e9b\u5e97\u9762\u4eba\u529b\u7684\u958b\u92b7\uff0c\u6240\u4ee5\u53ef\u4ee5\u63d0\u4f9b\u7d66\u9867\u5ba2\u7684\u66f4\u9ad8\u7684\u5229\u606f\uff0c\u800c\u5275\u9020\u51fa\u4e86\u4e00\u500b\u65b0\u7684\u9818\u57df high-yield savings account\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"High-yield_Savings_Account%E5%AE%89%E5%85%A8%E5%97%8E%EF%BC%9F\"><\/span>High-yield Savings Account\u5b89\u5168\u55ce\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5927\u90e8\u5206\u7684\u7db2\u8def\u9280\u884c\u8ddf\u50b3\u7d71\u9280\u884c\u5011\u90fd\u662f\u88ab <a href=\"https:\/\/www.investopedia.com\/terms\/f\/fdic-insured-account.asp\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Deposit Insurance Corporation (FDIC)<\/a> \u4fdd\u8b77\u7684\u5c0d\u8c61\uff0c\u8aaa\u660e\u4f60\u5728\u90a3\u5bb6\u9280\u884c\u88e1\u7684\u5b58\u6b3e\uff0c\u662f\u88ab\u4fdd\u8b77\u7684\uff0c\u5c31\u7b97\u9280\u884c\u5012\u9589\uff0c\u4f60\u4e5f\u53ef\u4ee5\u62ff\u56de25\u842c\u7f8e\u91d1\u7684\u9322\uff0c\u6709\u4e9b\u4eba\u60f3\u8aaa\u90a3\u6211\u6709\u8d85\u904e25\u842c\u7f8e\u91d1\u600e\u9ebc\u8fa6\uff0c\u4f60\u53ef\u4ee5\u8fa6\u4e0d\u540c\u5bb6\u7684\u9280\u884c\uff0c\u7136\u5f8c\u6bcf\u4e00\u5bb6\u9280\u884c\u5b58\u5c11\u65bc25\u842c\u7f8e\u91d1\u7684\u9322\u3002\u5982\u679c\u6709\u592a\u591a\u9280\u884c\u5e33\u865f\uff0c\u6216\u591a\u5f35\u4fe1\u7528\u5361\uff0c\u6216\u591a\u500b\u6295\u8cc7\u5e33\u865f\uff0c\u53ef\u4ee5\u770b\u6211\u9019\u7bc7\u6587\u7ae0<a href=\"https:\/\/www.xiaojeff.com\/mint-com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u500b\u4eba\u7406\u8ca1\u795e\u5668\u3011Mint.com\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7c21\u55ae\u7ba1\u7406\u591a\u500b\u4fe1\u7528\u5361\u3001\u9280\u884c\u5e33\u6236\u3001\u6295\u8cc7\u5e33\u6236<\/a>\u3002<\/p>\n\n\n\n<p>\u5728\u4f60\u8981\u8fa6 high-yield savings account \u7684\u6642\u5019\uff0c\u78ba\u8a8d\u90a3\u5bb6\u9280\u884c\u662f\u5426\u662f <strong>FDIC insured<\/strong>\uff0c\u5982\u679c\u6709\u7684\u8a71\uff0c\u90a3\u5b83\u7684\u5b89\u5168\u6027\u5c31\u8ddf\u4f60\u5e38\u898b\u5230\u7684Chase, Wells Fargo, BoA\u6c92\u6709\u592a\u5927\u7684\u5dee\u5225\u62c9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"High-yield_Savings_Account%E7%9A%84%E4%B8%89%E7%A8%AE%E7%94%A8%E9%80%94\"><\/span>High-yield Savings Account\u7684\u4e09\u7a2e\u7528\u9014<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E7%B7%8A%E6%80%A5%E5%82%99%E7%94%A8%E9%87%91_Emergency_Funds\"><\/span>1. \u7dca\u6025\u5099\u7528\u91d1 Emergency Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7576\u7d93\u6fdf\u4e0d\u666f\u6c23\u7684\u6642\u5019\uff0c\u4f8b\u59822020\u5e74\u7684\u75ab\u60c5\uff0c\u5f88\u591a\u4eba\u90fd\u9762\u81e8\u5931\u696d\u5371\u6a5f\uff0c\u5f88\u591a\u5c0f\u751f\u610f\u3001\u516c\u53f8\u7684\u9762\u81e8\u71df\u904b\u56f0\u5e74\u800c\u5012\u9589\uff0c\u9762\u5c0d\u7a81\u7136\u7684\u5931\u696d\u72c0\u6cc1\uff0c\u6211\u5011\u9700\u8981\u5b58\u4e00\u7b46\u9322\uff0c\u5728\u6211\u5011\u627e\u5230\u4e0b\u4e00\u4efd\u5de5\u4f5c\uff0c\u7372\u53d6\u4e0b\u4e00\u4efd\u6536\u5165\u4f86\u6e90\u524d\uff0c\u7dad\u6301\u6211\u5011\u65e5\u5e38\u7684\u751f\u6d3b\uff0c\u9019\u4e00\u7b46\u9322\uff0c\u6211\u5011\u7a31\u4e4b\u70ba<strong>\u7dca\u6025\u5099\u7528\u91d1<\/strong>\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u7406\u8ca1\u9867\u554f\u90fd\u5efa\u8b70\u81f3\u5c11\u5b583-6\u500b\u6708\u7684\u7dca\u6025\u5099\u7528\u91d1\uff0c\u4f46\u628a\u9019\u7b46\u9322\u5b58\u5728\u54ea\u5462\uff1f\u9280\u884c\u55ce\uff1f\u7f8e\u570b\u5927\u7684\u9280\u884cChase, BoA, US Bank, Wells Fargo, checking account \u548c saving account \u5e7e\u4e4e\u90fd\u53ea\u6709 <strong>0.01% \u5229\u606f<\/strong>\uff0c\u4ee3\u8868\u4f60\u4e00\u5e74\u5b581\u842c\u584a\u7f8e\u91d1\uff0c\u624d\u6703\u67091\u584a\u9322\u7684\u5229\u606f\uff0c\u9019\u5e7e\u4e4e\u5fae\u4e4e\u5176\u5fae\uff0c\u751a\u81f3\u6709\u4e9b\u9280\u884c\u6bcf\u500b\u6708\u9084\u8981\u6536\u4f60\u7684\u5e33\u6236\u7ba1\u7406\u8cbb\uff0c\u800c high-yield savings account \u537b\u670940\u500d\u4ee5\u4e0a\u7684\u5229\u606f (\u5be6\u969b\u5229\u7387\u6703\u4f9d\u64da\u4e0d\u540c\u9280\u884c\u548c\u7f8e\u570b\u5229\u7387\u800c\u505a\u8abf\u6574\uff0c\u57282020\u75ab\u60c5\u524d\uff0c\u751a\u81f3\u67092%\u4ee5\u4e0a\u7684\u5229\u606f\uff09\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u6839\u64da<a href=\"https:\/\/www.investopedia.com\/this-government-regulation-restricts-how-often-you-can-move-money-out-of-your-savings-account-4589978\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u6cd5\u5f8b\u898f\u5b9a<\/a>\uff0chigh-yield savings account \u9ad8\u5229\u606f\u5132\u84c4\u5e33\u6236\uff0c\u6bcf\u500b\u6708\u53ef\u4ee5\u514d\u8cbb\u532f\u51fa\u5e33\u6236\u9918\u984d6\u6b21\u3002 &nbsp;<\/p>\n\n\n\n<p>\u57282020\u75ab\u60c5\u671f\u9593\uff0c\u7f8e\u570b\u653f\u5e9c\u5728\u6b64\u8655\u66ab\u6642\u5ba3\u4f48\u53ef\u4ee5\u532f\u51fa6\u6b21\u898f\u5b9a\u3002\u4f46\u4e0d\u7ba1\u4e4b\u5f8c\u6703\u4e0d\u6703\u8abf\u56de6\u6b21\u9650\u5236\uff0c\u5c0d\u6211\u5011\u4e0d\u592a\u6703\u6709\u5f71\u97ff\uff0c\u56e0\u70ba\u7dca\u6025\u5099\u7528\u91d1\uff0c\u5c31\u662f\u5728\u7dca\u6025\u6642\u523b\u7684\u6642\u5019\u7528\u7684\uff0c\u6240\u4ee5\u6211\u5011\u4e0d\u5e0c\u671b\uff0c\u4e5f\u4e0d\u6703\u6709\u983b\u7e41\u7684\u64cd\u4f5c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E7%9F%AD%E6%9C%9F%E5%84%B2%E8%93%84%E7%9B%AE%E6%A8%99\"><\/span>2. \u77ed\u671f\u5132\u84c4\u76ee\u6a19<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6211\u5011\u6bcf\u500b\u4eba\u90fd\u6709\u60f3\u8cb7\u7684\u6771\u897f\uff0c\u4e0d\u7ba1\u662f<strong>\u7269\u8cea\u4e0a<\/strong>\uff1a\u65b0\u624b\u6a5f\u3001\u65b0\u96fb\u8166\u3001\u65b0\u76f8\u6a5f\u3001\u65b0\u5305\u5305\u3001\u65b0\u8eca\uff0c\u6216\u662f<strong>\u9ad4\u9a57\u4e0a<\/strong>\uff1a\u65c5\u904a\u3001\u7403\u8cfd\u3001\u7f8e\u5bb9\u4fdd\u990a\u3002\u4f46\u9019\u4e9b\u5f80\u5f80\u90fd\u4e0d\u4e00\u7b46\u5f88\u5c0f\u7684\u6578\u76ee\uff0c\u53ef\u80fd\u662f\u5e7e\u500b\u79ae\u62dc\u7684\u85aa\u6c34\uff0c\u751a\u81f3\u662f\u5e7e\u500b\u6708\u7684\u85aa\u6c34\uff0c\u5982\u679c\u70ba\u6211\u5011\u7684\u9019\u4e9b<strong>\u77ed\u671f\u4e00\u5169\u5e74\u5167<\/strong>\uff0c\u60f3\u8981\u7684\u6771\u897f\u548c\u9ad4\u9a57\uff0c\u8a2d\u7f6e\u4e00\u500b\u5c0f\u5c0f\u7684\u76ee\u6a19\uff0c\u6bcf\u500b\u6708\u5b58\u4e00\u9ede\uff0c\u4e0d\u4f46\u53ef\u4ee5\u589e\u52a0\u4e00\u9ede\u8da3\u5473\u6027\uff0c\u800c\u4e14\u6703\u8b93\u4f60\u66f4\u6709\u52d5\u529b\u5b58\u9322\uff0c\u4e26\u66f4\u5feb\u9054\u5230\u76ee\u6a19\uff0c\u66f4\u65e9\u6709\u80fd\u529b\u8cb7\u4f60\u5fc3\u52d5\u7684\u79ae\u7269\uff0c\u6216\u671f\u5f85\u5f88\u4e45\u7684\u65c5\u884c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E6%9C%AA%E4%BE%86%E5%A4%A7%E7%AD%86%E8%8A%B1%E8%B2%BB\"><\/span>3. \u672a\u4f86\u5927\u7b46\u82b1\u8cbb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9ad8\u5229\u606f\u7684\u5e33\u6236\u5c0d\u4f60\u5728\u672a\u4f86\u7684\u5927\u7b46\u6d88\u8cbb\u4e0a\u63d0\u4f9b\u4e86\u4e0d\u932f\u7684\u5e6b\u52a9\u3002\u4f8b\u5982\uff0c<strong>\u8cb7\u623f\u7684\u982d\u671f\u6b3e<\/strong>\uff0c\u6839\u64da\u4e0d\u540c\u5730\u5340\u3001\u4e0d\u540c\u623f\u5c4b\u5927\u5c0f\uff0c\u623f\u50f9\u6703\u4e0d\u4e00\u6a23\uff0c\u4f46\u982d\u671f\u6b3e\u90fd\u81f3\u5c11\u8981\u4ed8\u5e7e\u842c\uff0c\u5230\u5341\u5e7e\u842c\uff0c\u6709\u6642\u5019\u5e7e\u5341\u842c\uff0c\u5982\u679c\u628a\u9019\u9ebc\u5927\u7b46\u7684\u9322\u653e\u5728\u5e7e\u4e4e\u6c92\u6709\u5229\u606f\u7684\u9280\u884c\u5e33\u6236\uff0c\u771f\u7684\u5f88\u5403\u8667\uff0c\u4f46\u662f\u5982\u679c\u653e\u5728\u80a1\u5e02\uff0c\u53c8\u6709\u98a8\u96aa\uff0c\u4e0d\u7ba1\u662f\u4f60\u8981\u7528\u9322\u7684\u6642\u5019\uff0c\u525b\u597d\u9762\u81e8\u5230<strong>\u80a1\u5e02\u4f4e\u9ede<\/strong>\uff0c\u6216\u8005\u4f60\u7684\u9700\u8981\u4ed8\u9019\u9ebc\u5927\u7b46\u7684\u982d\u671f\u6b3e\u7684\u6642\u5019\uff0c\u4f60\u628a\u80a1\u7968\u8ce3\u6389\u800c\u5c0e\u81f4\u7684\u7372\u5229\uff0c\u800c\u7522\u751f\u7684<strong>\u7a05\u52d9\u554f\u984c <\/strong>(capital gain tax)\uff0c\u90fd\u662f\u4e0d\u53ef\u63a7\u7684\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\u7684\u4f8b\u5b50\uff0c\u5982\u679c\u662f\u7b2c\u4e00\u6b21\u5275\u696d\uff0c\u6216\u505a\u751f\u610f\u7684\u670b\u53cb\uff0c\u5e38\u5e38\u5ffd\u7565\u5230\u7684\u4e00\u500b\u554f\u984c\uff0c\u7e73\u7a05\uff0c\u5982\u679c\u4f60\u8cfa\u4e86\u4e00\u767e\u842c\uff0c\u4f60\u53ef\u80fd\u8981\u7e73\u5e7e\u5341\u842c\u7684\u7a05\uff0c\u5982\u679c\u4f60\u662f\u5728\u5927\u4f01\u696d\u5de5\u4f5c\uff0c\u7576\u6253\u5de5\u4eba\uff0c\u516c\u53f8\u6703\u81ea\u52d5\u5148\u5e6b\u4f60\u6263\u6389\u7a05\uff0c\u518d\u628a\u9918\u984d\u767c\u7d66\u4f60\uff0c\u4f46\u7531\u65bc\u4f60\u81ea\u5df1\u5275\u696d\uff0c\u81ea\u5df1\u4ed8\u81ea\u5df1\u85aa\u6c34\uff0c\u6240\u4ee5\u5e38\u5e38\u6703\u5fd8\u4e86\u8981\u628a\u9019\u4e9b\u9322\u5b58\u4e0b\u4f86\u4f86\u7e73\u4ea4\u7a05\uff0c\u800chigh-yield savings account\u662f\u4e00\u500b\u5b58\u653e\u4f60\u9019\u7b46\u9322\u7684\u597d\u5730\u65b9\u3002<\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"High-yield_Savings_Account%E6%8E%A8%E8%96%A6\"><\/span>High-yield Savings Account\u63a8\u85a6<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0b\u9762\u63a8\u85a6\u7684\u53ef\u80fd\u4e26\u4e0d\u662f\u4f60\u770b\u5230\u9019\u7bc7\u6587\u7ae0\u7576\u4e0b\u5229\u7387\u4ed8\u6700\u9ad8\u7684\uff0c\u56e0\u70ba\u96a8\u8457\u6642\u9593\u548c\u7f8e\u806f\u5132\u7684\u5229\u7387\u8abf\u6574\uff0c\u53ef\u80fd\u6bcf\u500b\u6708\u6bcf\u5bb6\u63d0\u4f9b high-yield savings account \u7684\u9280\u884c\uff0c\u90fd\u6703\u4e0d\u4e00\u6a23\uff0c\u53ef\u80fd\u9019\u500b\u6708\u9019\u5bb6\u9280\u884c\u6bd4\u8f03\u9ad8\uff0c\u4e0b\u500b\u662f\u53e6\u5916\u4e00\u5bb6\u9280\u884c\u63d0\u4f9b\u7684\u5229\u7387\u9ad8\uff0c\u9019\u88e1\u63a8\u85a6\u7684\u662f\uff0c\u9577\u671f\u4f86\u8aaa\uff0c\u7d9c\u5408\u6027\u8cea\u798f\u5229\u9ad8\u7684\uff0c\u5305\u542b\u8f03\u9ad8\u7684\u5229\u7387\uff0c\u6216\u662f\u6709\u7279\u5225\u5132\u84c4\u529f\u80fd\uff0c\u6216\u5ba2\u670d\u8a55\u50f9\u6bd4\u8f03\u597d\u7684\u9280\u884c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_SoFi_Savings_%E9%A1%8D%E5%A4%9625%E7%BE%8E%E9%87%91%E7%8D%8E%E5%8B%B5\"><\/span><strong>1. SoFi Savings <mark style=\"background-color:rgba(0, 0, 0, 0);color:#e71818\" class=\"has-inline-color\">(\u984d\u5916$25\u7f8e\u91d1\u734e\u52f5)<\/mark><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8ffd\u6c42\u9ad8\u5229\u606f\u7684\uff0c\u53ef\u4ee5\u8003\u616eSoFi Saving Account\uff0c\u672c\u8eab\u662f\u7f8e\u570b\u4e0a\u5e02\u516c\u53f8\uff0c\u65d7\u4e0b\u975e\u5e38\u591a\u7406\u8ca1\u7522\u54c1\uff0c\u50cf\u662f\u4fe1\u7528\u5361\u3001\u500b\u4eba\u8cb8\u6b3e\u3001\u5b78\u751f\u5b78\u8cb8\u3001\u9280\u884c\u7b49\u7b49\uff0c\u73fe\u5728\u7533\u8acbSaving Account \u4e0d\u50c5\u67094.6%\u7684\u6d3b\u5b58\u5229\u606f(\u96a8\u6642\u53ef\u4ee5\u9818\u51fa\u4f86)\uff0c\u5229\u7528\u4e0b\u9762\u7684\u9023\u7d50\u7533\u8acb\u9084\u6709<mark style=\"background-color:rgba(0, 0, 0, 0);color:#f40909\" class=\"has-inline-color\">\u984d\u5916\u7684<strong>$25\u7f8e\u91d1<\/strong>\u7684\u958b\u6236\u734e\u52f5<\/mark>\uff01<\/p>\n\n\n\n<ul>\n<li>FDIC Insured (\u4e0d\u6015\u9280\u884c\u5012\u4e86\uff0c\u56e0\u70ba\u653f\u5e9c\u6703\u9000\u4f60\u9322)<\/li>\n\n\n\n<li>\u5c11\u6578\u53ef\u4ee5\u62ff\u958b\u5361\u734e\u52f5\u7684 High Yield Saving Account<\/li>\n\n\n\n<li>\u6c92\u6709\u5176\u4ed6\u5e33\u6236\u8cbb\u7528\uff08\u5b8c\u5168\u514d\u8cbb\uff09<\/li>\n\n\n\n<li>\u5168\u740355,000+ ATM \u9818\u9322\u514d\u624b\u7e8c\u8cbb<\/li>\n\n\n\n<li>\u85aa\u6c34\u63d0\u65e92\u5929\u5230\u5e33<\/li>\n\n\n\n<li>\u5982\u679c\u572825\u5929\u5167\uff0cdirect deposit \u9032\u5e33\u6236\uff0c\u6700\u9ad8\u9084\u591a\u9001<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#da1313\" class=\"has-inline-color\">$300\u7f8e\u91d1<\/mark><\/strong><\/li>\n<\/ul>\n\n\n\n<p>[custombutton id=&#8221;sofi&#8221;]<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"842\" height=\"135\" data-id=\"1624\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2024\/01\/sofi-dd-bonus-payout.png\" alt=\"\" class=\"wp-image-1624\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2024\/01\/sofi-dd-bonus-payout.png 842w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2024\/01\/sofi-dd-bonus-payout-300x48.png 300w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2024\/01\/sofi-dd-bonus-payout-768x123.png 768w\" sizes=\"(max-width: 842px) 100vw, 842px\" \/><\/figure>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Capital_One_360_Performance_Savings\"><\/span><strong>2. Capital One 360 Performance Savings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5c0d\u65bc\u8ffd\u6c42\u6700\u9ad8\u5229\u606f\u7684\u670b\u53cb\uff0cCapital One \u9019\u5bb6\u516c\u53f8\u63d0\u4f9b\u7684\u5229\u7387\u53ef\u80fd\u4e0d\u662f\u6700\u9ad8\u7684\uff0c\u4f46\u662f\u5c0d\u65bc\u7b2c\u4e00\u6b21\u63a5\u89f8\u7db2\u8def\u9280\u884c\uff0c\u65e2\u671f\u5f85\u53c8\u5bb3\u6015\u7684\u670b\u53cb\uff0c\u9019\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u64c7\u3002<a href=\"https:\/\/www.capitalone.com\/bank\/savings-accounts\/online-performance-savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u67e5\u770b\uff01<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u516c\u53f8\u4ecb\u7d39<\/h4>\n\n\n\n<p>Capital One\u9664\u4e86\u662fNYSE\u7f8e\u570b\u4e0a\u5e02\u516c\u53f8\uff0c\u9019\u5bb6\u516c\u53f8\u9084\u662f\u7f8e\u570b\u524d6\u5927\u4fe1\u7528\u5361\u516c\u53f8\uff0c\u9867\u5ba2\u548c\u5176\u5e33\u6236\u6578\u8d85\u904e\u4e94\u5343\u842c\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u5e33\u6236\u4ecb\u7d39<\/h4>\n\n\n\n<p>\u96d6\u7136\u5927\u90e8\u5206\u7684high-yield savings account\u90fd\u662f\u7db2\u8def\u9280\u884c\uff0c\u4f46 Capital One 360 Performance Savings Account \u662f\u4e00\u500b Hybrid \u7684\u5f62\u5f0f\uff0c\u4ed6\u662f\u6709\u5be6\u9ad4\u5e97\u9762\u7684\uff0c\u5728\u7f8e\u570b\u6771\u5cb8\u7684\u5f88\u591a\u5dde\uff0c\u4ed6\u662f\u6709\u5be6\u9ad4\u9280\u884c\u7684\uff0c\u6240\u4ee5\u7fd2\u6163\u9762\u5c0d\u9762\u4f86\u8fa6\u7406\u624b\u7e8c\u548c\u554f\u554f\u984c\u7684\u670b\u53cb\uff0c\u9084\u662f\u53ef\u4ee5\u6709\u5be6\u969b\u5e97\u9762\u53ef\u4ee5\u524d\u5f80\u7684\uff0c\u800c\u7f8e\u570b\u5176\u4ed6\u5dde\uff0c\u5247\u662f\u6709<strong>Capital One Caf\u00e9<\/strong> \u9019\u662f\u4e00\u500b\u65b0\u7684\u5f62\u5f0f\uff0c\u7d50\u5408\u5496\u5561\u5e97\u548c\u9280\u884c\u8a62\u554f\u53f0\uff0c\u800c\u5728\u8a62\u554f\u53f0\u9084\u662f\u6709\u9280\u884c\u5c08\u54e1\u53ef\u4ee5\u70ba\u60a8\u63d0\u4f9b\u670d\u52d9\u7684\u3002\u53ef\u4ee5\u67e5\u67e5\u770b\u96e2\u4f60\u6700\u8fd1\u7684cafe\u5728\u54ea\u88e1\uff0c\u9ad4\u9a57\u770b\u770b\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u512a\u9ede<\/h4>\n\n\n\n<ul>\n<li>\u8fa6\u7406\u9019\u500b\u5e33\u6236\u6c92\u6709\u6700\u4f4e\u5b58\u5165\u91d1\u984d\uff0c\u6bcf\u500b\u6708\u4e5f\u6c92\u6709\u4efb\u4f55\u7ba1\u7406\u8cbb<\/li>\n\n\n\n<li>\u9664\u4e86\u7dda\u4e0a\u4ee5\u5916\uff0c\u6709\u5be6\u969b\u7dda\u4e0b\u5e97\u9762\uff0c\u53ef\u4ee5\u505a\u9762\u5c0d\u9762\u8aee\u8a62<\/li>\n\n\n\n<li>24\/7 \u7db2\u7ad9\u7dda\u4e0a\u8aee\u8a62<\/li>\n\n\n\n<li>\u53ef\u4ee5\u5275\u5efa\u591a\u500b\u5e33\u6236\uff0c\u4f86\u5340\u5206\u4e0d\u540c\u5132\u84c4\u76ee\u6a19<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u7f3a\u9ede<\/h4>\n\n\n\n<ul>\n<li>\u5be6\u969b\u5e97\u9762\u5c11<\/li>\n\n\n\n<li>\u96fb\u8a71\u5ba2\u670d\u5c08\u7dda\u662f\u4e00\u822c\u4e0a\u73ed\u6642\u9593\uff0c\u4e0d\u662f24\/7<\/li>\n<\/ul>\n\n\n\n<p>\u57282021\u5e745\u6708\uff0cCapital One 360 Performance Savings Account \u63d0\u4f9b 0.4% APY\uff0c<a href=\"https:\/\/www.capitalone.com\/bank\/savings-accounts\/online-performance-savings-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u67e5\u770b\u6700\u65b0\u5229\u7387\u8acb\u9ede\u9078<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Ally_Bank_High-Yield_Savings_Account\"><\/span><strong>2.<\/strong> <strong>Ally Bank High-Yield Savings Account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u8ffd\u6c42\u9ad8\u5229\u606f\u7684\u5132\u84c4\u5e33\u865f\uff0c\u9019\u662f\u4e00\u500b\u597d\u9078\u64c7\uff0c\u4f7f\u7528\u4ecb\u9762\u4e5f\u5f88\u7c21\u55ae\u4f7f\u7528\u3002<a href=\"https:\/\/www.ally.com\/bank\/online-savings-account\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u67e5\u770b<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u516c\u53f8\u4ecb\u7d39<\/h4>\n\n\n\n<p>\u904b\u71df\u8d85\u904e20\u5e74\uff0c\u6bcd\u516c\u53f8Ally Financial \u57282014\u7f8e\u570bNYSE\u4e0a\u5e02\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u512a\u9ede<\/h4>\n\n\n\n<ul>\n<li>\u8fa6\u7406\u9019\u500b\u5e33\u6236\u6c92\u6709\u6700\u4f4e\u5b58\u5165\u91d1\u984d\uff0c\u6bcf\u500b\u6708\u4e5f\u6c92\u6709\u4efb\u4f55\u7ba1\u7406\u8cbb<\/li>\n\n\n\n<li>\u8f03\u9ad8\u7684\u5229\u7387<\/li>\n\n\n\n<li>24\/7 \u7db2\u7ad9\u7dda\u4e0a\u8aee\u8a62<\/li>\n\n\n\n<li>\u5728\u540c\u4e00\u5e33\u6236\u53ef\u4ee5\u5275\u5efa\u591a\u5132\u84c4\u76ee\u6a19<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u7f3a\u9ede<\/h4>\n\n\n\n<ul>\n<li>\u6c92\u6709\u4efb\u4f55\u5be6\u969b\u5e97\u9762\uff0c\u5b8c\u5168\u7dda\u4e0a<\/li>\n\n\n\n<li>\u4e0d\u80fd\u5b58\u5165\u73fe\u91d1<\/li>\n\n\n\n<li>\u5728Better Business Bureau \u4e2d\u4fe1\u4efb\u5ea6\u8a55\u50f9C<\/li>\n<\/ul>\n\n\n\n<p>Better Business Bureau\uff0c\u9019\u662f\u7f8e\u570b\u4fdd\u8b77\u6d88\u8cbb\u8005\u7684\u975e\u71df\u5229\u7d44\u7e54\uff0c\u7531\u65bc<a href=\"https:\/\/www.bbb.org\/us\/pa\/ft-washington\/profile\/bank\/ally-bank-0241-133953058\/complaints\" target=\"_blank\" rel=\"noreferrer noopener\">Ally\u6536\u5230\u5f88\u591a\u62b1\u6028\u4e8b\u4ef6<\/a>\uff0c\u6240\u4ee5\u88ab\u8a55\u5206\u70baC, \u4f46\u5e7e\u4e4e\u5927\u4f01\u696d\u90fd\u6703\u88ab\u6295\u8a34\uff0c\u8457\u540d\u516c\u53f8 Facebook \u7684\u8a55\u5206\u70baF\uff0c\u76f8\u8f03\u65bcAlly\u9084\u8a55\u5206\u66f4\u597d\uff0c\u6240\u4ee5\u5982\u679c\u4e0d\u4ecb\u610f\u9019\u500b\u8a55\u5206\u7684\u8a71\uff0c\u662f\u53ef\u4ee5\u9078\u64c7Ally Bank\uff01<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ally Bank \u8ddf Capital One \u7684\u591a\u500b\u5132\u84c4\u76ee\u6a19\u5e33\u6236\u5dee\u5225<\/h4>\n\n\n\n<p>\u591a\u500b\u5132\u84c4\u76ee\u6a19\u5e33\u6236 \u53c8\u7a31 sub-saving account<\/p>\n\n\n\n<p>Ally Bank \u662f\u4e00\u500b\u9ad8\u5229\u606f\u5e33\u6236\u88e1\u9762\u53ef\u4ee5\u5206\u6210\u5f88\u591abuckets\uff0c\u50cf\u662f\u5b58\u9322\u7b52\u7684\u6982\u5ff5\uff0c\u53ef\u4ee5\u4f9d\u64da\u4e0d\u540c\u76ee\u6a19\u547d\u540d\u4e0d\u540csaving bucket\uff0c\u6700\u591a10\u500b\uff0c\u6240\u6709bucket\u5171\u4eab\u4e00\u500b\u5e33\u6236\u865f\u3002&#8211;&gt; <a href=\"https:\/\/www.ally.com\/do-it-right\/banking\/multiple-savings-accounts-how-many-can-i-open\/\" target=\"_blank\" rel=\"noreferrer noopener\">One account, multiple saving goal<\/a><\/p>\n\n\n\n<p>Capital One \u662f\u53ef\u4ee5\u958b\u7acb\u591a\u500b\u9ad8\u5229\u606f\u5132\u84c4\u5e33\u6236\uff0c\u53ef\u4ee5\u70ba\u4e0d\u540c\u5132\u84c4\u5e33\u6236\u547d\u540d\u5404\u81ea\u7684\u76ee\u6a19\uff0c\u6bcf\u500b\u5132\u84c4\u5e33\u6236\u6709\u5404\u81ea\u7684\u5e33\u6236\u865f\u3002<\/p>\n\n\n\n<p>\u66f4\u591a\u95dc\u65bc\u591a\u500b\u5132\u84c4\u76ee\u6a19\u5e33\u6236\u53ef\u4ee5\u67e5\u770b<a href=\"https:\/\/www.nerdwallet.com\/article\/banking\/multiple-savings-accounts\" target=\"_blank\" rel=\"noreferrer noopener\">\u6b64\u6587\u7ae0<\/a><\/p>\n\n\n\n<p>\u57282021\u5e745\u6708\uff0cAlly Bank Online Savings Account \u63d0\u4f9b 0.5% APY\uff0c<a href=\"https:\/\/www.ally.com\/bank\/online-savings-account\" target=\"_blank\" rel=\"noreferrer noopener\">\u67e5\u770b\u6700\u65b0\u5229\u7387\u8acb\u9ede\u9078<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_American_Express_High-Yield_Savings_Account\"><\/span><strong>3. American Express High-Yield Savings Account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4f7f\u7528\u904eAmerican Express\u7684\u4fe1\u7528\u5361\u7684\u670b\u53cb\u7684\u9ad4\u9a57\u5230\uff0c\u6975\u597d\u7684\u7dda\u4e0a\u5ba2\u670d\uff0c\u5982\u679c\u5df2\u7d93\u6709American Express\u4fe1\u7528\u5361\u7684\u670b\u53cb\u53ef\u4ee5\u8003\u616e\u3002<a href=\"https:\/\/www.americanexpress.com\/en-us\/banking\/online-savings\/high-yield-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u67e5\u770b\uff01<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u516c\u53f8\u4ecb\u7d39<\/strong><\/h4>\n\n\n\n<p>\u64c1\u6709\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u670b\u53cb\u76f8\u4fe1\u5c0dAmerican Express\u7f8e\u570b\u904b\u901a\u9019\u5bb6\u516c\u53f8\u90fd\u4e0d\u964c\u751f\uff0c\u800c\u9084\u4e0d\u77e5\u9053\u7684\u670b\u53cb\uff0c\u4e00\u5b9a\u6709\u807d\u8aaa\u5bcc\u4eba\u624b\u4e2d\u9ed1\u5361\uff0c\u53ef\u4ee5\u5b8c\u6210\u4f60\u5404\u7a2e\u8981\u6c42\u7684\u4fe1\u7528\u5361\u670d\u52d9\uff0c\u5c31\u662f\u7531American Express\u9996\u5148\u767c\u884c\u7684\u3002\u64c1\u6709\u8d85\u904e170\u5e74\u4ee5\u4e0a\u7684\u6b77\u53f2\uff0c\u540c\u6642\u4e5f\u5728\u7f8e\u570bNYSE\u7684\u4e0a\u5e02\u516c\u53f8\u3002<\/p>\n\n\n\n<p><strong>[\uff01\u9650\u6642\u512a\u60e0\uff01]<\/strong> \u5982\u679c\u5c0dAmex Gold \u7f8e\u570b\u904b\u901a\u91d1\u5361\u6709\u8208\u8da3\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u900f\u904e<a href=\"http:\/\/refer.amex.us\/JEFFDMDU9?XLINK=MYCP\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e0b\u65b9\u63a8\u85a6\u9023\u7d50<\/a>\u7533\u8acb\u4fe1\u7528\u5361\uff0c\u73fe\u5728\u67096\u842c\u9ede\u958b\u5361\u9ede\u6578\uff0c\u53ef\u4ee5\u7528\u4f86\u63db\u514d\u8cbb\u56de\u570b\u6a5f\u7968\uff0c\u4e0d\u4f46\u6c92\u6709\u570b\u969b\u624b\u7e8c\u8cbb\uff0c\u5403\u98ef\u8cb7\u83dc\u9084\u67094%\u56de\u994b\u5594\uff0c\u5728\u7f8e\u570b\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u8003\u616e\u770b\u770b\uff01<\/p>\n\n\n\n<p>\u8a73\u7d30\u4ecb\u7d39\uff0c\u8acb\u53c3\u8003<strong>\u9019\u7bc7\uff1a<a href=\"https:\/\/www.xiaojeff.com\/amex-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amex Gold\u4fe1\u7528\u5361\u63a8\u85a6(2021\uff09\u5403\u98ef\u5237\u9019\u5f35\u5361\u53ef\u4ee5\u5e6b\u4f60\u8cfa\u5230\u56de\u570b\u7684\u5546\u52d9\u8259\u6a5f\u7968\uff01<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u512a\u9ede<\/strong><\/h4>\n\n\n\n<ul>\n<li>\u8fa6\u7406\u9019\u500b\u5e33\u6236\u6c92\u6709\u6700\u4f4e\u5b58\u5165\u91d1\u984d\uff0c\u6bcf\u500b\u6708\u4e5f\u6c92\u6709\u4efb\u4f55\u7ba1\u7406\u8cbb<\/li>\n\n\n\n<li>24\/7 \u7db2\u7ad9\u7dda\u4e0a\u8aee\u8a62<\/li>\n\n\n\n<li>\u6bcf\u67089\u6b21\u532f\u51fa\u6b21\u6578<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u7f3a\u9ede<\/h4>\n\n\n\n<ul>\n<li>\u6c92\u6709\u4efb\u4f55\u5be6\u969b\u5e97\u9762\uff0c\u5b8c\u5168\u7dda\u4e0a<\/li>\n<\/ul>\n\n\n\n<p>\u57282021\u5e745\u6708\uff0cAmerican Express High-Yield Savings Account \u63d0\u4f9b 0.4% APY\uff0c<a href=\"https:\/\/www.americanexpress.com\/en-us\/banking\/online-savings\/high-yield-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u67e5\u770b\u6700\u65b0\u5229\u7387\u8acb\u9ede\u9078<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%AA%B0%E4%B8%8D%E9%81%A9%E5%90%88\"><\/span><strong>\u8ab0\u4e0d\u9069\u5408<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u67093-6\u500b\u6708\u7684\u7dca\u6025\u5099\u7528\u91d1\u4e86\uff0c\u800c\u4f60\u60f3\u8981\u628a\u9ad8\u5229\u606f\u5132\u84c4\u5e33\u6236 (high-yield savings account) \u7576\u4f5c\u4f60\u7684\u9577\u671f\u6295\u8cc7\u5e33\u6236\u3002<\/p>\n\n\n\n<p>\u8acb\u56de\u770b\u4e0a\u9762High-yield Savings Account \u7684\u4e09\u7a2e\u7528\u9014\uff0c\u9664\u4e86\u4e0a\u97623\u500b\u76ee\u7684\u5916\uff0c\u53ef\u4ee5\u958b\u59cb\u67e5\u770b\u5176\u4ed6\u6295\u8cc7\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p><strong>Disclaimer: \u6211\u4e0d\u662f\u7406\u8ca1\u9867\u554f\uff0c\u9019\u53ea\u662f\u6211\u500b\u4eba\u7d93\u9a57\u5beb\u51fa\u7684\u611f\u60f3\uff0c\u53ef\u4ee5\u7576\u4f5c\u5a1b\u6a02\u6027\u8cea\uff0c\u6240\u4ee5\u5982\u679c\u6709\u7406\u8ca1\u76f8\u95dc\u898f\u5283\uff0c\u8acb\u8aee\u8a62\u7406\u8ca1\u9867\u554f\uff0c\u4e26\u91dd\u5c0d\u4f60\u7684\u500b\u4eba\u72c0\u6cc1\uff0c\u4f86\u5be6\u65bd\u76f8\u5c0d\u7684\u7406\u8ca1\u898f\u5283\u3002<\/strong><\/p>\n\n\n\n<div class=\"cta\">\n\t\t\t\t<p>\n\t\t\t\t\u5982\u679c\u5c0d\u6587\u7ae0\u5167\u5bb9\u6709\u4efb\u4f55\u554f\u984c\uff0c\u6b61\u8fce\u5728\u5e95\u4e0b\u7559\u8a00\u8b93\u6211\u77e5\u9053\u3002\n\t\t\t\t\u5982\u679c\u4f60\u559c\u6b61\u6211\u7684\u6587\u7ae0\uff0c\u53ef\u4ee5\u5206\u4eab\u7d66\u8eab\u908a\u597d\u53cb\uff0c\u8b93\u66f4\u591a\u7684\u4eba\u770b\u898b\u6211\u7684\u6587\u7ae0\u3002<br><br>\n\t\t\t\tBlog\u5167\u6587\u7ae0\u90fd\u662f\u57fa\u65bc\u81ea\u8eab\u6240\u5b78\uff0b\u6301\u7e8cresearch\u6574\u7406\u51fa\u4f86\u7684\u514d\u8cbb\u4f46\u53ef\u9760\u7684\u5167\u5bb9\u3002<br><br>\n\t\t\t\t\u6b61\u8fce\u6210\u70ba\u8d0a\u52a9\u5925\u4f34\uff0c\u53ea\u8981$5\u4e00\u676f\u5496\u5561\u7684\u91d1\u984d\u5c31\u53ef\u4ee5\u652f\u6301\u6211\u6301\u7e8c\u767c\u5e03\u512a\u8cea\u5167\u5bb9\uff0c\u53ef\u4ee5\u900f\u904e\n\t\t\t\t<a href=\"https:\/\/www.xiaojeff.com\/support-xiaojeff\/\" target=\"_blank\" rel=\"noreferrer noopener\">Paypal\u6216venmo<\/a>\u8acb\u6211\u559d\u676f\u5496\u5561\n\t\t\t\t <br><br>\n\t\t\t\t \n\t\t\t\t\u60f3\u8981\u7372\u5f97\u66f4\u591a\u5373\u6642\u8cc7\u8a0a\uff0c\u53ef\u4ee5follow\u6211\u7684 ig\n\t\t\t\t<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c0f\u6770\u592b ig \u9801\u9762<\/a>\n\t\t\t\t\uff0c\u6211\u6703\u5728\u9019\u908a\u516c\u5e03\u6700\u5373\u6642\u7684\u512a\u60e0\u548c\u8cc7\u8a0a\uff01<br><br>\n\t\t\t\t\n\t\t\t\tDisclaimer: 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