My bank is offering a 3.01% 18 month CD, and a quick perusal of current 12 month rates shows ~2.8% isn't hard to get: https://www.depositaccounts.com/cd/ https:

My bank is offering a 3.01% 18 month CD, and a quick perusal of current 12 month rates shows ~2.8% isn't hard to get: https://www.depositaccounts.com/cd/ https://www.depositaccounts.com/cd/ 5-year CDs are well over 3%.