10 year US treasuries my good friend, no state or local income taxes and HYSA rates will decline as the Fed lowers the federal funds rate.

3% is on par for SCHD, which is a popular ETF dividend fund (that provides income, but also growth). Different risk profile than treasuries though.

https://finance.yahoo.com/quote/SCHD/

We're still under a yield curve inversion, no? 3-month t-bills are paying 5.149% which is more than the rest.

Which will decline as the Fed cuts rates. Longer duration locks in risk free yields longer. Your portfolio goals and allocation will of course drive your strategy.

3% comes from traditional FIRE texts which find it to be the withdrawal rate that would survive all historic recessions.

The 5% HYSA minus the FED-targeted rate of 2% is back to 3%. But high quality dividend companies generally raise their dividend each year, plus you get the increase in stock value. So you only get 3% in income, but your total return is much better.

> can I interest you with an HYSA paying 5%

Don't plan a retirement around a HYSA at 5% because those rates will go back down.

HYSA varies with interest rates