<prompt> Human: Im looking to save up for a down payment on a house and dont know the best account. I will be saving for approximately a year. So far the best Ive found is ally bank .9 and discover .85 savings account. CDs dont seem to have a good rate and I already have a high interest checking but couldnt meet the requirements for another. Are there any better options? And is ally any good?  <response>: Are there any better options? And is ally any good?Not in the USA this decade. Yes. 