I’m saving for a house and currently have $28K in a Marcus account. When I first opened it, the interest rate was approximately 4.7%, but it has since dropped to 3.7%. And i only see them going lower. Would it be more advantageous to allocate these funds to an investment vehicle like SGOV or ICSH, given their relative stability? Hell, Fidelity even offers 4% on uninvested cash, which presents another potential alternative.