While the Federal Reserve didn’t raise its benchmark interest rate on Wednesday, it didn’t lower it either.

This is the highest level it has reached in 22 years.

Due to the Fed’s influence on interest rates on financial accounts and products throughout the US economy — directly or indirectly — savers and people with surplus cash still have many opportunities to earn a much higher return on their investment than they have in years — and, more importantly, a return that outperforms inflation.

Below are low-risk options to get the best yield on funds you plan to use within two years and on cash you expect to need within two to five years.

According to Bankrate, the average yield on bank savings accounts was just 0.56% in September. Brick-and-mortar players like JPMorgan Chase and Bank of America offer rates of just 0.01%, keeping the average low.

The high-yield savings accounts offered by many online, FDIC-insured banks are well above 5%.

These accounts are ideal for depositing funds that you will likely use within two years for anything from a planned vacation or major purchase to an unexpected change of circumstances such as losing your job.

Your cushion account is what certified financial planner Lazetta Rainey Braxton, co-CEO at 2050 Wealth Partners, calls it. In her opinion, the term “cushion” describes an account that gives you the flexibility to do what you want in the near future as well as what you might need in the future.