Though return rates are pretty low these days on savings accounts, there are plenty of safe places to park your money and earn a bit in interest. Kiplinger has some suggestions for the best low-risk places to put your money and earn enough to make it worth while. Here are some of their suggestions:

High-Yield Checking Accounts

This is a great low-risk option if you meet the qualifications (which usually include banking online and using a debit card for your purchases). Kiplinger says that the return rate on these is around medium (much higher than with the low return of savings accounts), and the amount eligible to earn the highest rate is usually limited to $25,000 or less.

Some great places to find insured high-yield accounts are Checking Finder and NerdWallet.com.

Certificates of Deposit

If you can tie your money up for a few months or more, CDs may be a good way to earn a 1% or 2% return on your money. These typically come with maturities that range from 3 months to five years, with longer maturities offering higher yields.

You can invest in a long-term CD even if you think you may cash out early or if you want to take advantage of rising rates – just be sure to check the interest penalty. But constructing a CD ladder – putting chunks of cash in CDs of varying maturities – allows you to benefit from the best current yields and stay flexible enough to snag top rates down the road. When interest rates rise, you reinvest cash from shorter-term CDs to take advantage of higher yields. Your longer-term CDs will continue to earn interest at today’s highest rates.

Savings Bonds

If you can tie up your money for a year, savings bonds are a safe way to earn about 3% on your money:

You can cash in savings bonds after 12 months, but if you redeem them before five years have passed, you forfeit the last three months’ worth of interest. EE bonds pay a fixed rate; the I-bond’s rate is composed of a fixed rate, currently 0%, that lasts for the life of the bond and a semiannual inflation rate that changes every six months. You must purchase savings bonds in an online Treasury Direct account, which you can set up at www.treasurydirect.gov.

For more safe places to put your money and earn as much as possible, head over to Kiplinger’s 10 Low-Risk Ways to Earn More Interest on Your Savings.