Onefinance.com has a savinng account: 3% up to $25K. 活期存款，随存随取. No time limit.

with reference, we both get a $50 bonus.

Reference Link: https://hello.one.app/invite/YiqunL/a813cd39

Invite friends to join One and you'll each get $50 when they complete their first qualifying direct deposit of $250 or more. Use the referral link below or invite a friend to a pocket. Earn up to $500.

No fee. No minimum is required.

T-Mobile Money (if you use T-Mobile for cell phone) has a 4% rate for the $4K balance.

for the rest (> $4k), it is 1.5%.

I agree. 三个月太短.

Onefinance.com has a saving account: 3% up to $25K. 活期存款，随存随取. No time limit.

with reference, we both get a $50 bonus.

Reference Link: https://hello.one.app/invite/YiqunL/a813cd39

Invite friends to join One and you'll each get $50 when they complete their first qualifying direct deposit of $250 or more. Use the referral link below or invite a friend to a pocket. Earn up to $500.

No fee. No minimum is required.