<prompt> Human: Im asking on behalf of my sister, who has about 10,000 in extra savings. Its currently sitting in her Wells Fargo savings account making pretty much 0 interest. Shes a second year college student, and has no loans. Tuition, housing, and living expenses are covered by our parents. She works two part time jobs to cover spending money and personal savings.Is there a way she can be putting these savings to use over the next 2-4 years? The first things that come to mind are setting up a savings account with a credit union that offers a better interest rate, or putting the money into a CD I dont know much about these though. She may be willing to lock her savings in for a period of time, as our parents have offered to give her a loan against it if she needs money sooner.  <response>: Too little timemoney to put into investmentsshares. Keep it in an online savings account. 