<prompt> Human: We finished the Dave Ramsey approach to being debt free. 65,100 we paid off in 13 months and now have 15,000 in a Credit Union account making 0.75 interest. Is there a better place for this money? I know it needs to be accessible, but should I be making more on that money?  <response>: Ill also recommend Ally. I do keep about 20 of my fund at my credit union in a money market account but that is only a piddly 0.20 vs. Allys 1.60 