And here's what it would be over the same time frame for a money market account, assuming rates remain static: $10,000 6-month money market account at 4.32%: $213.72 for a total of $10,213.72 ...

$10,000 money market account at 4.32% over one year: $432.00 Difference between the two accounts: The money market account makes around $2 more ...

If you're holding thousands of dollars beyond that, you're missing out on a lot of money. For example, $10,000 in a high-yield savings account earning 4.00% APY could earn about $400 in a year.