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Do you have a high-yield savings account? Warning: This could stop you from accessing your cash in a hurry.

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You’ve made some money by stashing funds in a high-yield savings account, and now you want to cash in to make a down payment on a home.

High-yield savings accounts are having a moment. With the federal-funds rate in the range of 5% to 5.25%, consumers can earn an annual return of up to 5% on their deposits on these accounts, which are most commonly offered by online banks. 

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