<prompt> Human: As pathetic as .95 is, I have not yet found a higher interest rate on a savings or checking account where I would be able to access the money at any time -- since it is my familys emergency fund in case I lost my job or something else catastrophic happened. We are talking about approximately 10k, for what its worth.I would be willing to let the money be locked up for 6 months or perhaps even a year if it could yield a higher interest rate that made it worth the risk of not having the money liquid ready to go in case of emergency.Any insights much appreciated!  <response>: Your Amex savings account is a fine place for your emergency fund. 