From Tom Dyson in The 12% Letter:

The simplest way to earn safe interest on your money is to open an account with Everbank. It'll pay you 2.25% for the first three months. And Everbank guarantees its interest rates will always be within the top 5% of all banks in America. The FDIC insures your money.

As far as I know, this is the highest interest rate you can get on your money without having to do any work or take any risk.

Everbank is a large regional bank based in Jacksonville, Florida. It has around $10 billion in deposits, which puts it among the top 100 banks in the country by asset size. Of all the banks in America, Everbank has the most experience dealing with customers over the Internet and telephone. That's because Everbank got its start as an Internet bank eight years ago.

I recently transferred my family's entire banking relationship from Bank of America to Everbank. I was tired of Bank of America charging fees without paying me interest. Now, I get the highest interest rates in the system, I can withdraw money from any ATM in the country without paying fees, and I get Everbank's excellent customer service.

You can learn more about Everbank here. (By the way, I don't receive anything from Everbank for mentioning it. When I find great opportunities, I just like to pass them along to you.)

Crux Note: To earn more than 2% interest on your money safely, you have to work for it. Tom Dyson spends each day studying income stocks to find ways his readers can earn 5% or even 10%, without taking much risk. To learn more, click here.

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