Remember when you could find high-yield savings accounts (HYSAs) that earned upwards of 5% APY? It seems those days are behind us, at least for now. Every time the Federal Reserve makes a rate cut — which it is likely to do at least once more before the end of the year — rates drop on HYSAs and other deposit accounts, making them less attractive tools for saving. With that said, you can still earn 4% or more on a few HYSAs, which is far more than you'll earn on a regular savings or checking account. And ...