<prompt> Human: I have about 10,000 Im not going to touch, and am going to add to for the next couple years except in case of emergency. Where should I put it to get the most return on my money. Ive heard Ally and Capital One have about a 1.5 return for the year but I would like to know where is the best place to put it.  <response>: There are many options. The highest interest options have various requirements direct deposits, certain number of debit card transactions per month as well as upper limits. If you just want a flat higher interest option, 1.25 to 1.5 APY is your best bet right now. 