<prompt> Human: My wife is very risk averse, but we are amassing a 20K emergency fund, and we see a 0.1 return on it in our savings account.Most MMAs seem like they require a number of transactions per monthyear and Im looking for something I can park the money in, while leaving it available just in case. Most CDs seem like the return wont be much higher than 2, my credit union is running a special 2.07 APY for a 7 year CD.We pay off credit cards every month, we pay 200 extra on a 770 mortgage monthly. We put away for retirement and have started saving for our sons college hes 20 months old and we have a 529 plan well started.I feel like we are losing out on something. Im missing something obvious, 20K should be able to work for us better somehow? A portion of this could be part of a down payment on a new home in the future, hopefully there are proceeds from the sale of our current house as well.Any suggestions? If I can take 10,000 and leave that as an immediate, right now, money in the savings still or otherwise immediately available emergency fund, how could I best tie up the other 10K, possibly considering making that money slightly less available? Or how can I be smarter with the whole amount? Thanks!  <response>: Keep it in an FDIC-insured savings account. 