<prompt> Human: Hello gentlefolk of PF -Im following the oh-so-helpful flowchart to put some long-overdue semblance of organization to our homepersonal finances. The posts and replies here have been incredibly helpful, and Im learning a lot just from reading as much as I can. Re: Emergency Funds - We have about 10k that we want to set aside in case of such a thing. Its currently sitting in a Bank of America savings account because we bank with them and just received that amount as equity from our recent homesale. Anyway, Ive explored some of their options for improved returns, because the savings account returns 0.01. They offer a couple of CD options: 1 Featured CD Account 0.07 APY on all balances, 12 mo. term, 10k minimum opening balance;2 Standard Term CD Account 0.030.15 APY depending on term and balance, 28 day to 10 year terms available, 1k minimum opening balance.Are these good options compared to the market? What holding pots are others out there keeping their emergency funds in? Sure appreciate your suggestions! Thanks in advance!  <response>: Barclays online savings account just raised its APY to 1.2 