Hello

I have been with HSBC online bank for a little over a year.
I started with them when they offered 5%

Now since the Fed lowered the rates, they lowered their interest rates on my bank account to 3.XX. I would like to switch to a steady bank or maybe even take on a CD.

Any suggestions ?

Every bank will adjust rates after the Fed changes rates. You could look at other banks to see if they offer higher rates, but they could just as easily be lower than HSBC next week. Since CDs are fixed, you should definitely shop around and just take the highest rate.

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Thanks for advice

ShoreBank, the bank that I represent, offers a High Yield Online Savings Account with a competitive interest rate of 3.50%. It has 24 hour online accessibility and allows you to link to up to 6 of your accounts for electronic transfers. If you have any questions about ShoreBank's High Yield Online Savings Account please don't hesitate to ask, that why I'm here.