Isn't C360 at 3.3% now? They seem pretty highly rated, don't overcomplicate things by chasing rates as they change all the time. They may go up and down, but Ally and C360 are consistently one of the highest options.

Your immediate opportunities are the most valuable comparison, and from what you described they are worse than what you have now. Keep your current job and find ways to improve your skills either on the job or during your free time, that'll open up more opportunities later

Yeah, when I was just starting it was just an experiment with not much money. Once I understood it better I started treating it as part of my e-fund

My experience with Ally has been great. They increased their HYSA rate 18 times this year, from 0.5% to 3.3% (like most of the banks that keep popping up here)

This is probably a good time to be looking at longer-term CD's. I keep a portion of my e-fund in a 5-year CD ladder with Ally. I started by opening 5 CD's (1, 2, 3, 4, 5 year terms) at the same time. At renewal I rolled each one into a 5-year term and add additional funds. This has smoothed out variations in interest rates. I've never needed to, but if I needed some of those funds I could do so and only pay the 3-month interest penalty on one of the CD's.

With higher interest rates it's even been worth it to break the lower interest rate CDs, pay the penalty, and buy higher rates with similar maturity dates.