Banks and CUs: https://www.doctorofcredit.com/high-interest-savings-to-get/amp/ https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions

If you are using it for a house this year it should be in a savings account or cash equivalent like t bills or a CD

A HYSA is a great idea! Or a money market fund at a brokerage. You should be able to get about 4%. (just avoid Citibank - they tend to freeze accounts and withhold your money)

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If you're planning to purchase this year, then you should put it in a HYSA. Any other reasonably safe option would tie up your money. Or expose it to risk for losses. Which you have no tolerance for, since you're planning to buy in the immediate future.

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Growing ~4% isn't nothing and it's a hell of a lot better than putting this into the market and potentially not having it next year when you need it.

HYSA, money market funds, CDs are your options

A HYSA isn't $ doing nothing when they return 3-4% right now. $5K is a good start, but if you need that money in the next year, it needs to be in something safe, like a CD or a HYSA.