depositing money in your savings account
using a money market fund
buying bonds
making small direct loans
etc.
You could also look into services such as Prosper which essentially connects private lenders with borrowers. Now to be clear I am not endorsing them as I have not used their service (I put my money to other uses), but you may want to at least have a look.
Here is a link to one of their ads. Click it to go to their site.
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