<prompt> Human: Currently I have about 12,000 sitting in savings with my bank. Now I know the point of an emergency fund is to have safe liquidity, however the yield is abysmal 0.12. Id really like to at least hit something a little closer to the inflation rate at least. Are there any suggestions for alternatives to a traditional savings account?  <response>: Ally currently offers 1.2 APY on savings accounts. There are several other only banks like Ally that offer similar rates. 