Speaking of ETFs, anyone find themselves temporarily parking money in HISA ETFs? It's a good way to return close to 5% right now without the time lock in perio

Speaking of ETFs, anyone find themselves temporarily parking money in HISA ETFs? It's a good way to return close to 5% right now without the time lock in period of a CD. Theoretically should be very low risk unless a bank collapses, although the amount of money that the ETF fund managers place with each underlying bank savings account is obviously way behind FDIC deposit protection.