[SilasX]

I would think money market mutual funds are a more liquid, easier, higher yielding version of that. They don’t have the FDIC insurance, but they’re well diversified and invest in the highest grade of bonds, and “breaking the buck” (holding less than enough to redeem all deposits) is extremely rare.

[fastaguy88]

From 2008 - ???, money market accounts were offering 0% interest, while CD's provided some small rate of return.