Update - We had a Capital One 360 high interest account for over 5 years. The interest went back down last year to 1%. I was going back and forth between finding a new high-yield savings account or a money market fund to keep our savings account. I finally called Capital One and asked what products they offered with a higher interest. Over the phone they changed my account over to a "new" higher interest savings account. It was so easy. Lesson learned - stay on top of my accounts.