I put all my investment funds into a risk free account that pays just about 30% APR with no front end loads, no commissions, and I can make withdrawals whenever

I put all my investment funds into a risk free account that pays just about 30% APR with no front end loads, no commissions, and I can make withdrawals whenever I want at no cost. There's a good chance you can to, it's called "paying down the balance on visa credit card" i.e. fyi it's generally silly to invest when you have a credit card balance outstanding.