The best way to maximize interest on your savings is to keep your funds in savings accounts that pay the best rates. You may want to review rates once a year to be sure you're happy with yours. Don't be afraid to change banks if it means a measurable improvement in your bottom line. Changing savings accounts is easy. Open a new account, transfer your money to it, and close the old account. Add funds to your account regularly, and leave the money in the account so that it can earn the most interest possible.