> HYSA are in 2026 readily available.
The designation of "HYSA" is itself kind of a semantic shrinkflationesque slight of hand.
"HYSA"s in 2026 have similar and often worse rates than a standard savings account back in, say, most of the 1990s.
But, sure, compared to the average modern standard savings account (with rates of effectively nothing and well below inflation) it is higher yield than that.