<prompt> Human: My wife and I keep a 20,000 emergency fund in a savings account. The thing is that it only accrues like .01 interest. There has to be something I can do with that money that will yield a 1-2 interest while still being accessible in case of an emergency right? Any suggestions?  <response>: online savings account. where have you been living, under a rock? lol Ally, Discover bank, Capitalone360 and many many many more! 