[nknealk]

I can throw in my 2 cents here as a Schwab customer.

Schwab will let you buy CDs at any bank via a brokerage account linked to your checking or savings. Basically, they'll transfer the money to whatever bank has the CD you want, and transfer it back to you with the interest at expiration. Ditto for T bills. It's an excellent product to increase yield without taking on default risk