You can buy 20 CD's or buy a CDAR, which is a pass-through instrument that aggregates CDs at multiple banks to get it all under FDIC insurance. http://www.cdar

You can buy 20 CD's or buy a CDAR, which is a pass-through instrument that aggregates CDs at multiple banks to get it all under FDIC insurance. http://www.cdars.com/ http://www.cdars.com/ Personally, I think you'd just be better off buying government bonds from your favourite world leaders.