Four high-yield savings accounts cut their rates. Where you can still earn 4%

Four high-yield savings accounts recently cut their rates — even though the market isn't expecting the Federal Reserve to curb rates anytime soon. The accounts, run by Apple , Ally Financial , Capital One Financial and Marcus by Goldman Sachs , all saw reductions over the past week, bringing the peer median savings rate down by 5 basis points to 3.4%, according to BTIG. One basis point equals 1/100th, or 0.01%, of a percent. …