You can still use CDs to get a higher rate of interest in your savings account. Beyond that, you're moving out of the realm of earning interest and into the realm of investing your money. Investments carry higher risks (i.e. your principle is not guaranteed), but also higher rewards. There is no free lunch. If you want higher returns, you must accept higher risk. I agree with iamlindoro that you need to do some reading and learning before you start and second the Jim Collins blog especially the Stock Series. (as linked above)