UFB Direct’s savings account offers an attractive APY. The account has no monthly maintenance fees and there is no minimum amount requirement. Your money could get higher returns in an investment (but you’ll be opening yourself up to more risk). The “national average” is determined by Bankrate’s comprehensive national survey https://allkindsofsocial.com/story5247370/conformaci%C3%B3n-brigada-de-emergencia-para-tontos