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
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.
Thank u