<prompt> Human: I am currently safely clinging on to USAA, but I may be obtaining 100,000 soon and I need the best interest rate I can get without compromising the safety of my money. USAAs savings accounts only offer 0.10 and I simply need something better.  <response>: No such thing right now :There are some checking accounts that let you get a little over 2 on balances up to 15-20k, but you have to run a bunch of transactions on them and set up direct deposit as far as Ive seen. I-Bonds are OK but have a yearly contribution limit well under 100k 10kyear I think. Other than that.,, online savings accounts at just under 1 are as good as you will find.Check out the sidebar link for what to do with x, if you dont already have other plans for the money. 