Hey guys - I’m looking to upgrade my savings account to an HYSA.  After doing some digging, there’s two finalists that I like:

Marcus by Goldman Sachs
- 3.3% APY
- large institution that I have positive experiences with already 
- funds available same day if need be
- fabulous UX (I work in UX so that’s important to me)

SalemFive Direct
- 4.1% APY
- small bank in Salem, MA that I’ve never worked with before (hence my anxiety about utilizing them as my emergency fund)
- funds are slow to transfer if in a pinch and they don’t even have an app

So really for me it’s a question of which route is better for me…I feel way more comfortable with GS but that 4.1% SalemFive offers is tempting. I tend to be risk averse to a fault so I’m trying to gauge what’s worth taking a little more risk here. Btw, they’re both FDIC insured with no minimum length requirement for either account. 

What would you recommend?
Choosing between the two would depend on your priority. 

If your main concern is the highest possible return on your savings, the SalemFive Direct HYSA clearly has a higher interest rate. It's worth noting that while the funds take longer to transfer, they are still accessible. The lack of an app might be inconvenient, but it doesn't prevent you from accessing or managing your account.

On the other hand, if convenience, speed of fund access, and a better user experience are important factors for you, then Marcus by Goldman Sachs might be the better choice. The lower interest rate is a trade-off for better service and easier account management. 

Since your comfort level is also a factor, and you've had positive experiences with Goldman Sachs before, this option might be more appealing to you. 

Remember, these rates aren't fixed and can change over time. What's most important is to choose the account that best fits your needs and comfort level. Please consult with a financial advisor before making any decisions.
### Human
Hey guys - I’m looking to upgrade my savings account to an HYSA.  After doing some digging, there’s two finalists that I like:

Marcus by Goldman Sachs
- 3.3% APY
- large institution that I have positive experiences with already 
- funds available same day if need be
- fabulous UX (I work in UX so that’s important to me)

SalemFive Direct
- 4.1% APY
- small bank in Salem, MA that I’ve never worked with before (hence my anxiety about utilizing them as my emergency fund)
- funds are slow to transfer if in a pinch and they don’t even have an app

So really for me it’s a question of which route is better for me…I feel way more comfortable with GS but that 4.1% SalemFive offers is tempting. I tend to be risk averse to a fault so I’m trying to gauge what’s worth taking a little more risk here. Btw, they’re both FDIC insured with no minimum length requirement for either account. 

What would you recommend?

### Assistant
Choosing between the two would depend on your priority. 

If your main concern is the highest possible return on your savings, the SalemFive Direct HYSA clearly has a higher interest rate. It's worth noting that while the funds take longer to transfer, they are still accessible. The lack of an app might be inconvenient, but it doesn't prevent you from accessing or managing your account.

On the other hand, if convenience, speed of fund access, and a better user experience are important factors for you, then Marcus by Goldman Sachs might be the better choice. The lower interest rate is a trade-off for better service and easier account management. 

Since your comfort level is also a factor, and you've had positive experiences with Goldman Sachs before, this option might be more appealing to you. 

Remember, these rates aren't fixed and can change over time. What's most important is to choose the account that best fits your needs and comfort level. Please consult with a financial advisor before making any decisions.<eos_token>