So with all this talk about savings accounts lately it got me thinking about the measly 0.15% my savings account is earning. I would like to start taking some of my savings and putting it into an account that has higher earning interest. I'm only 23 and have my simple IRA through work contributing 9% (6% + 3% company match), so my retirement plan is in the works and I will be uping this percentage after my next pay raise in a month. I'm sitting comfortable with what I'm earning and have not needed to dip into my savings for quite a while. The initial transfer from savings to the new account would be ~5k. I want the account to have higher earning, lower risk, but yet be able to liquidate it in an emergency if I needed it. I thought about doing a ROTH IRA but I cant access it as easily in case of emergency and I already have a traditional IRA started. Maybe a CD is my best bet, but those are only earning .30-1.0% depending on length and amount. Does anyone have any suggestions or advice?