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Emergencies happen. There’s always a pipe that bursts or a car that breaks down at the worst time. It’s nice to know when an emergency pops up that you have a nice rainy day fund set aside in case of emergency. If you’re looking for a good place to put your emergency fund that isn’t under a mattress, the options can be overwhelming. Here’s a roundup of a few easy places to keep your hard earned savings.

Money market accounts

A money market account may be worth looking in to as a good home for your emergency fund. Unlike a savings account, money market accounts can come with checks and a debit card. This makes them a much easier place to withdraw money quickly in case of an emergency. You can quickly swipe your debit card or write a check if you need to on the fly.

High-yield savings account

A high-yield savings account differs from a traditional savings account in a few ways. The biggest difference is that your APY or annual percentage yield will be much higher. This will help your emergency fund grow a lot faster than a traditional savings account. They also tend to have fewer fees and a low minimum deposit.

Roth IRA

Although a Roth IRA is typically intended as a means of saving for retirement, you can also use it as an emergency fund if needed. With a Roth IRA your money is put into the market. You’ll get significantly more gain over time with this type of savings method. Withdrawals, however, may not always be tax-free depending on when you make them. If you need your money for an emergency but you aren’t within the withdrawal requirements you may end up paying an early withdrawal penalty.

Certificate of deposits (CDs)

A certificate of deposit or CD requires you to leave your money in your account for a set amount of time. The amount of time can sometimes be as little as a month and as long as a decade. Once your certificate of deposit reaches maturity you’ll then be able to withdraw your money free of penalty. CDs tend to earn more than traditional savings accounts but you’ll want to keep your maturity date in mind so you don’t have to pay a fee.

Spread the wealth

If you’re unsure of which account is best for your emergency fund, spread your savings out to a few different options. In this scenario, when emergencies pop up, you’ll have a couple of choices as to where to withdraw your cash. You’ll be able to see which account is the easiest to withdraw from and which have penalties or fees.