Interest Bearing Account

I have a little money, and I would like to put in a hat account would earn more interest than regular savings account. All ideas

Roth IRA is a good suggestion. With the Roth, you can take the principle without taxes or penalties. If you touch the prize you have to pay tax on that part. But be aware that this is an investment "and could lose money. The higher the potential return, the greater your chance of losing money.

Depending on the amount you have and how long you think you might need some (or all) of it, you can try this:

Split the money in 5 ways (say it is $ 10,000 / 5 = $ 2,000). Put each part into another CD term ($ 2,000 for 1 year, 2 years @ $ 2,000, $ 2,000 @ 3 years, etc.) When the first term next year, if you do not need the money , put it into a FIVE-year CD. You now have 1 / 5 of money available each year at a rate higher than a savings account, but less risk than an investment. Of course, if you take money before maturity, there are heavy penalties.

I know a company currently offering 9.60% per year, but I know they have rates of 6 months and 3 months too.

If you must access your money in one month or one week your only option is a regular bank account with 4.80%

You can not have it all.

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speed of access do you need? How much $ $? Money Market Fund, if $ 1,000 or more if a bank CD, but less access for 3-6 months.

Ask your bank about a Roth IRA.