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I use a credit union, but only keep a small amount in those accts... one is linked to one of my Fidelity Brokerage accts. Don't keep a lot in the money market accts there (currently over 4%), as I invest in even higher yields, but all of the CDs from 3 months to 5 yrs are above 5%.
Moving the $$$ between linked accts is easy, and the brokerage CDs (offered from many banks) have more flexibility (liquidity) and the same FDIC protections as a brick & mortar bank.
Works for me....
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