<p>123;</p>
<p>Please recall how banks make money; they take in deposits paying interest on those deposits to attract customers. Then they loan that money out at higher rates. The difference is what builds those tall buildings and buys the bankers their yachts.</p>
<p>NFCU is currently offering less than 1% on most of their savings products.
[Navy</a> Federal: Rates](<a href=“http://www.navyfederal.org/rates/mmsa-frameset.html]Navy”>http://www.navyfederal.org/rates/mmsa-frameset.html)</p>
<p>The best advice I can give (and I wish I had followed): Stay out of debt!</p>
<p>Also, save for retirement from your first paycheck.</p>