Hi, I’m looking for a high-yield savings account (HYSA) that lets me access funds while keeping a locked-in rate for the next 12 months. With the Federal Reserve changing rates, I’m unsure how good options like Barclays tiered savings will hold up. I plan to deposit at least six figures. CDs aren’t an option because I might need access to the money. I’ve already taken advantage of some promotions from Wells Fargo but want to see what else is out there. Any ideas?