<prompt> Human: My wife and I sold our house in April and have the proceeds sitting in a USAA savings account earning .3 APY. This feels very low. Wed invest the money, except that we will likely need it in 2 to 5 years for another house purchase. It seems like we could at least find a high-interest savings account and make more like 1.5-17.5 APY.Im skeptical of things that seem like free money, so my question: What should we be on the lookout for when choose a high-interest account what criteria should we be considering?Thanks!  <response>: Its not free money. The bank is taking your money and loaning it out to someone else or investing it elsewhere. They are actually making more money than they are giving you, and keeping the difference for themselves. 