<prompt> Human: Im in my early 20s and am beginning to get more serious and knowledgeable with my finances. Im looking for a savings account that I can deposit about 1000 into each month. The consensus seems to be Ally over any other bank because of the interest rate of 1.05.However, Discovers rate is 1.10. I know that the rate will be negligible with my income but a dollar here and there adds up as Ive painfully learned. Both seem to be the same except the interest rate. Is there anything that Im failing to see here because Discover seems to be the clear winner over Ally. I also have a CC with Discover if that matters.  <response>: The difference in APY would be 5 per year on a 10,000 account balance.Since rates can and will change, and these are close enough, just pick the one you like better.If you want more, theres a variety of credit unions that will give you 3-5 if you meet certain requirements usually e-statements, direct deposit and X number of debit transactions per month. LMCU gives 3 on up to 15,000, Northpointe gives 5 on up to 10,000. 