<prompt> Human: In a matter of months, the interest rate on AMEX High Yield savings dropped .25, while others have remained relatively the same e.g Ally. I have my emergency fund stored in AMEX... is it worth transferring to another account for greater interest and yes, I know its still lower than inflation?  <response>: What greater interest? The highest I see is Ally at 0.84. The difference is trivial and not worth expending any effort on.I bonds are worth considering, if youre okay with locking the money up for 12 months to get started. If youre willing to accept some risk maybe 10-15 loss in a nasty recession year, you could put the money into a bond index fund. In the long run youll get 5 APY Vanguard Total Bond Market as an example -- there are more conservative choices that would fluctuate less but also return less. 