With inflation running at 2.7%, money sitting in low-paying savings accounts can quietly lose purchasing power over time. Earning a competitive APY—plus a bonus—can instead help your cash keep pace with rising prices. Live Oak's Offer Live Oak Bank's Personal Savings Account currently pays 3.80% APY. Through Jan. 30, it's also offering a $200 cash bonus for customers who deposit $20,000 and keep that balance in the account for at least 60 days. E*TRADE's Offer Key Takeaways 2 High-Yield Savings Accounts Tha ...