I have MMAs, credit union accounts, and online accounts. I used to chase rates but it’s really too much trouble for me these days. The MMA is a great place to stash cash right now but eventually the rates will fall lower than some savings accounts. For years, I made zero interest on VMRXX so invested elsewhere. I have checked Bankrate many times but they don’t seem to have all of the high interest rate offers that I find by looking at my current bank’s websites. For me, at least, it’s not that useful. I have a small handful of banks/ credit unions that I stick with to make things simpler. Ally seems good, but I think you should also check into Marcus by Goldman Sachs and Pen Fed credit union, and perhaps CIT as these seem to have consistently high rates. [I dropped ING and FNBO years ago.] In addition to savings or MMA accounts for an “emergency money” parking place, for non-emergency monies I think dollar cost averaging into some index funds could be your best bet over time. Also, someone mentioned broker placed CDs. I have looked into Vanguard’s CDs a little. What I noticed was that these CDs pay only simple interest, not compounded daily interest, and that many are callable. Clark did a recent segment on this. Good luck.