Your cash is probably earning nothing

Traditional savings often pay close to zero.

High-yield savings

Simple, insured and usually the best emergency fund home.

Money market account

Like savings, sometimes with checks or a debit card.

Money market fund

An investment at a brokerage. Not FDIC insured.

Insurance

FDIC and NCUA cover $250,000 per depositor, per bank, per ownership category.

Remember

Rates are variable. Compare APY and check fees.

Compare all three side by side