A high-yield savings account (HYSA) is one of the easiest wins in personal finance, and I keep my whole ~$20,000 emergency fund in one. The interest you owe dwarfs the interest any savings account can pay you. That same $6,000 in a 4.00% APY savings account earns about $20 a month. But if I had one, I'd pull from my savings account to get out of that debt ASAP. I used to keep my emergency fund in a low-rate savings account.