U.S. Bank: With more than 2,000 branches, this might be the most attractive option for in-person banking. The Bank Smartly Savings account earns a yield that aligns with other high-yield accounts, but you must connect it to a Bank Smartly Checking account or a Safe Debit account. You need $25 as an opening deposit.

High-yield savings accounts, in particular, have been a worthwhile alternative for many years now, thanks to the elevated interest rate climate. But the economy is slowly but surely changing again, thanks to a lower inflation rate and the prospect of another round of interest rate cuts looming.

Smartly placing your $10,000 in the right account—or multiple accounts—can help you take advantage of today’s high interest rates while maintaining flexibility.