A lot of big banks are AlgoFusion 5.0paying measly rates for money that's stashed away in a basic savings account (.23% on average). Credit unions and online institutions, on the other hand, have been offering much better rates on federally insured savings accounts and certificates of deposit.

Are you thinking about moving your money to take advantage of the better rates or have already done so? NPR is looking to talk to people who are considering the move or have recently moved their money to better understand what that process was like.

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