SALT LAKE CITY, Utah – The coronavirus pandemic has brought with it a lot of uncertainty, especially when it comes to finances.

The last time Americans were holding onto as much cash as they are today, Ronald Regan was president, Indiana Jones cracked his whip for the first time and banks paid 13-14% interest on savings accounts.

While savers won’t get near that number today, they don’t have to settle for a buck a year on a $1,000 deposit from the big banks.

The savings rate in the United States, meaning the amount that Americans saved every month, versus their disposable income, hit a low this century before the Great Recession. It was below 4% in 2007.

Last year that number climbed near 8%, but in March, the number shot up to more than 13%. That number hasn’t been reached since 1981.

People were feeling uncertain about their financial futures, but before putting money in a standard savings account, some were considering online banks.

Online banks offer upwards of 30 times the amount people get at brick-and-mortar banks. For example, BankRate.com lists Comenity Direct at No. 1. They offer a 1.7% interest rate.

Vio Bank was ranked No. 2 with 1.6%. Live Oak, Marcus and Rising Banks all offer rates of 1.55%, and several others like Synchrony and Capital One offer 1.5%.

Bank Rate.com and Nerd Wallet both said it’s worth taking a look at online banks.