<prompt> Human: I have 25K in my savings account Golden1 credit union. Every time I go to a teller they keep bugging me to move it into a money market account . Currently the apr is .006 if I move it into a money market it will be .025 apr. my plan is to add 1,200 a month to this account for about 8 months, until me and my wife are ready to buy a house. Is there something else that I can do with it to make it grow faster while not taking almost no risk? Also how much money will I make with .025 apr in 8 months with 25k?  <response>: Just a note on why they are bugging you about it. If you move that money into a money market account the bank is then able to lend many many times the balance. This is the definition of fractional reserve banking They are not able to do the same thing with funds in a savings account. Well, they are, just a lot higher reserve requirements. 