High yield savings account advice please

[Ryanpascarelli]

So, this may be a stupid question. I opened a capital one 360 account with $10,000 to get the $200 bonus and I feel like it’s a pain waiting for money to transfer and I’ve had some issues with that. My bank, DCU, has a money market account and it would be nice to keep it all in one place but I’m not sure how their account compares. I’ll attach a screenshot to show you what I mean. It mentions APY and dividends. The APY is lower than the 1.85% I get through capital one. But does the .95 APY and .95 dividend yield beat what capital one offers? I don’t understand and the person I called couldn’t tell me either from DCU. Help please. Btw I have about 30,000 to put in there. Saving for a house

[MDM]

The APY is lower than the 1.85% I get through capital one. But does the .95 APY and .95 dividend yield beat what capital one offers?

No.  The two 0.95% values are ~the same thing, just said in different ways (not exactly, but close enough for this discussion).  You definitely do not add them together, so the comparison is 1.85% vs. 0.95%.

On $30K, that's $270/yr.

[Ryanpascarelli]

Ok great. Thank you. I appreciate it. I will probably just keep it in capital one then. Unless anyone has a better recommendation.