Interest rates can make or break your finances. If you notice most credit cards are sky high, and most savings accounts are gutter low. But there are deals out there!!! For instance, did you know you can call your credit card company and negotiate a lower rate if you have a balance and even if you don't? Call them! If they won't help you out, check into the 0% interest cards that allow balance transfers, a lot of them are willing to give you 6 months of no interest, and low if any interest on balance transfers!
Bank Accounts: I know we are all trying to be extremely cautious with the money we do have. However, there are safe ways to make more money in different interest baring accounts. You may want to check them out. Sometimes in lieu of a Certificate of Deposit or CD which you pay penalties to withdraw early are a good idea. However if you have enough money (most banks are about $5K minimum) you can look into Money Market Savings and Money Market Checking accounts. These accounts do have the higher minimum but yield a higher percent interest, plus you can access your funds. Keep in mind that if you do go below the minimum that the interest benefits will be lost, however there is no penalty in most cases and that is important.
Finally check out some institutions like Franklin Templeton which offer funds which are also non-taxable so really that increases the benefit quite a bit since you will not have to pay taxes on the interest you earn from that account!