Congrats on paying off the debt, and working on your emergency fund! That will be great peace of mind. As for your .2% savings account, I'd look into an online bank account. Capital One 360's savings account is at .75%. Still not much, but still a bit better. Here's my refer a friend link (
https://r.capitalone360.com/fvMaBF6sbX) , if you want, as I think we both will get $20. Though if I were you, I'd look for MMM's link on the blog, as he usually can give you a bigger bonus. Not trying to push you to my link at all.
I can't talk towards the special accounts you can get via working for the government, but I know that you should always max your employer contributions, as it's basically giving yourself a raise. However, the easiest is to open a vanguard account and set-up auto contributions to a target-date fund in a ROTH. You'll never have to worry about asset allocation. You can call them and use their concierge service, and they'll make sure you're setting everything up right. Great service! And then tax-free after retirement.
529's are always a gamble, because if you're saving enough you might not need it, or your kid may get a full scholarship, etc. Though I do believe that if you don't use it, it then turns into a retirement fund. but don't quote me on that, I'd do some more research on that.
After that, I'd open up a taxable account and invest any extra savings (and/or your yearly dividend check) in an index fund like the 500 or total stock market.