So you’re finally able to really start saving up for something that means a lot to you and your family. Perhaps it’s a vacation, maybe a wedding, or even 3-months of salary for an emergency fund. Understandably, you want the best rates available to make your cash grow. And you want to be able to tap into this resource when the moment strikes.

While dozens of sites and banks are vying for your business, not all offer unique savings support and helpful strategies. Smarty Pig, for example, offers a social network function where you can get support on your financial goal from friends and family through a personalized widget placed on your Facebook page. Right now rates are 2.01% and FDIC insured. Opening an account is free. Al Roker of the Today Show calls this a must-have financial application for 2010.

ING Direct is another online bank designed to inspire better visualization for your savings goal by allowing you to create as many Orange savings accounts as you desire. This gives you the ability to list or title each goal and transfer money between accounts in a snap. The annual percentage yield (APY) is currently 1.20% — not as great as SmartPiggy, but there are no annual fees or minimums. It takes less than five minutes to sign up for this FDIC-insured bank.

While it’s true until the Feds up the rates these percentages sound small, you can always consider placing your cash in money market accounts or reward checking accounts, a few with rates as high as 6.10% mentioned in this SmartMoney article. Keep in mind you must meet monthly requirements, such as making a set number of purchases or keeping a certain amount in the account. And remember, they don’t offer support. Any goal, financial-base or not, has a higher chance of coming true with help.