re: Emergency money account advice

We keep our emergency fund at my wife's credit union. It's not super hard to access the money, but it does take a bit of effort (i.e. go to the school board office where the CU is, when they are open, and they only do withdrawals in check form). So it prevents us from just grabbing money for any old reason.

You are probably not going to find something much better than 1 percent without taking some sort of risk with the money.