Even if you're not in the bay area, you should check out credit unions or really anything else (Wealthfront, betterment, withcompound, just buying bonds/tbills,

Even if you're not in the bay area, you should check out credit unions or really anything else (Wealthfront, betterment, withcompound, just buying bonds/tbills, etc), so you're not getting approximately 0.0000% on CDs.