4% house loan vs. 0.25% emergency fund
Have money in my emergency fund making anemic 0.25%
I want to use the emergency fund to pay down house loan but still have access to money in case of emergency. Maybe a HELOC? Pay down loan then have HELOC?
Also have some 0% credit card money i could use. Stocks could be good but I don't want to do stocks.
Thinking if have to pay closing appraisal fees etc. . Not worth it.
Any thoughts advice appreciated.