That does put a different view to things, but surely you wouldn't expect me to ask you about amounts of money would you?
You're unusual (very unusual) in that you have most of your money in short term accounts, and the minority in a CD.
You're right, in light of the facts, I must withdraw my criticism of you.
Thank you. Your willingness to listen is appreciated.
No, the funny thing is the credit union here has better CD rates than literally any other institution in the country that I can find. 7-11 months @ 5.65% for $500 up. If you have at least $200 per month deposited electronically in your savings account the available rate for that term is 6.15%. And they are only 2 miles from my home.
Actually the only short term account, outside of checking, is the ING account. All the longer term stuff is local.