NEW YORK (9/16/09)--USA Today Tuesday suggested that consumers look to credit unions as a place to stash their cash. Consumers are spending less and saving more, but they should put their money in a place where it can earn interest. The article suggested consumers look into rewards checking accounts with interest rates of 4% or higher, which are offered by some credit unions and banks (USA Today Sept. 15). It also suggested placing emergency funds in a credit union account as opposed to a money market account, which allows consumers to put money they’re planning to invest in stocks or mutual funds. The advantage of placing money in a high-yield account is liquidity--which means consumers can withdraw their money at any time without penalty. “It you’re looking for a place to stash your emergency savings, a high-yield bank or credit union account is a better choice,” the article said. USA Today also reminded readers that deposits in credit unions are backed by the National Credit Union Administration up to $250,000.