[rolling_stone]

if you (or a friend)have a stock brokerage account ask your broker what brokered CD’s are available..Wells Fargo, Morgan Stanley and Goldman Sachs as well as many others have CD’s available through brokers that are not advertised...some are one year or 18 months and just over 5%.....

brokered cd’s:

https://www.investopedia.com/terms/b/brokered-cd.asp

[KarlInOhio]

The Schwab money market funds is almost that high at 4.75%. One problem I had with short term brokered CDs is that they aren't instantly available. Many have a week or more lead time so if you are buying one to three months CDs with good rates you lose money waiting for them.

My main bank was interesting. They had 4% savings, but only if you lived in an area without branches, so I couldn't get it.

[faithhopecharity]

Thank u