"Maximizing Savings with Apple: A Financial Analysis"

Americans are realizing they can earn more on their cash than what big banks are paying, with savers flocking to better-paying alternatives such as money market funds, high-yield savings accounts, Treasury bills, and inflation-linked savings bonds. Some online and lesser-known banks and credit unions are offering high-yield savings accounts, with at least 30 yielding more than Apple's 4.15%. Other options include certificates of deposit and Treasury securities, with the latter being exempt from state tax. Building a CD or Treasury ladder is also a good strategy for those unsure of where rates are going.