Interest earned for two similar HYSA extremely different?
Hello,
I recently moved all my savings buckets to Capitol One HYSA for the 3.30% interest rate. (I know some places have better, but I explicitly chose this one)
So, this morning, I look to see my interest earned for each bucket. (Not using the actual "bucket" feature as that's on a limited roleout, and unfortunately, I'm not included with that) meaning I just have multiple HYSA savings accounts.
I have two separate accounts with similar balances.
Reno Fund:
Ending Month Balance $5,267.84
Ending Month Pending transaction $1,000
Interest Earned $13.19
Education Fund
Ending Month Balance $5,124.42
Ending Month Pending transaction $150
Interest Earned $2.32
Keep in mind they DO count the pending transaction towards the month it was initiated in and back date it appropriately. (I can visually confirm this as I have an account with $0.00 but $100 pending from Feb 25th, and that account earned 3 cents interest)
Last month, the Reno fund had a balance of $5,250 and earned interest of $4.65
What am I missing or not understanding for why the interest earned would be different by over $10 for only a $1k difference in savings? Not to mention the previous month, the for thr Reno Fund was extremely close to this month for the Education Fund, but there is still a difference of $2?
Posted Mar 1, 2026, 2:35 PM UTC