<prompt> Human: I have saved up about 20k in my savings account, as down payment house fund. My Credit is shit at the moment, so it is going to take at least 6 months for me to repair it. I will be making 60k this year income, and will continue to add to my down payment fund.I wanted to know what I can do with this 20k Im sitting on to maximize its use for the next 6 months to 1 year?  <response>: Ally Bank CD or savings account! 1 for savings and 1 year CDs are 1.05. Goes up from there to 5 years. 