<prompt> Human: Sorry if this is a bit of an elementary question, but Ive wondered this for a while. I do my primary banking on USAA, but I have my emergency account in a Barclays 1 APY savings account. On the sidebar for USAA they advertise their CDs where you can get 0.81 APY for a TWO YEAR CD. How is it that Barclays can give me 1 APY with up to 6 withdraws a month when USAA barely comes close with a 2 year CD? Are they doing something different with the money when they have it?  <response>: Its also because it doesnt matter to many people. Lets say you have 10,000 to keep. By shopping around, you get 1 instead of 0.5. This nets you...50 a year. Is that really worth the time and hassle of splitting up your funds into different banks? Maybe...but maybe not. 