Best High-Yield Online Savings Accounts?

[Lieren Schuette]

What online savings account is everyone using?  

I have been using Marcus by Goldman Sachs for a couple of years now and have been happy with it, but have recently started to wonder if other online banks offer better rates.  When I originally put my savings into Marcus, it offered the best APY rate at 0.5%.  It has increased steadily over the past couple of years and is now at 3.90%.  

I did a little bit of digging, and it looks like CiTBank has one of the best APY rates at 4.75%.  I also saw that CFG Bank is offering 5.02% for their online money market account.  

Any recommendations from the BP Community?  

[Sherief Elbassuoni]

Whenever I have cash, I put it as a downpayment for a new rental.

Even if you got 4-5%, this is less than inflation, so your money is loosing value