<prompt> Human: Hello friends! My fiance and I have done well enough to save up a 3 month emergency fund! Now the next on our list is to save for a home, as niether of us have high interest loans, and decent to good credit. We would like to start saving for a home so that we can stop paying rent. We have already considered that we will be staying in our city for at least 5 years as we have family here and I just landed a nice job. What are some good ways to save for a house? Any special investments that are low risk, cost and high reward that can make it easier? Any savings accounts geared for this specific type of saving? Any government iowaUSA programs that can reduce taxes increase saved amount for house? Any help is appreciated!  <response>: Whats up fellow Iowan! I agree with uyes_its_him that there is no high-yield low-risk short-term investment. On the plus side, savings accounts are finally starting to offer 1 options right now. CIT bank is at 1.55, Marcus by Goldman Sachs is at 1.5, Ally is at 1.35. So if you want to at least make a little bit off of your money while you save, a high-yield online savings account is probably your safest option that gets you a little bit of yield. technically its all loss since inflation is at 2.1You do also get to take the first-time homebuyer credit on your taxes, so thats also nice. What city are you looking at in Iowa? 