The Federal Reserve sets the federal funds target rate ... For example, the Western Alliance Bank High-Yield Savings Account, CNBC Select's choice for earning a high APY, offers 5.20% APY.

Investors concerned about the lack of insurance may wish to consider a money market fund account offered by a bank since the FDIC insures those accounts up to $250,000. The Vanguard Cash Reserves ...

Two funds make up the reserve: The Budget Stabilization Fund ... or long-term savings by paying down the experience account amortization bases, which are scheduled to be paid off by the end of FY 2040 ...