When Chase, BofA, and Citigroup are all offering approximately 0.0000% APY on their CDs, and it's credit unions that are offering 3+% (you should be shooting fo

When Chase, BofA, and Citigroup are all offering approximately 0.0000% APY on their CDs, and it's credit unions that are offering 3+% (you should be shooting for at least 4% right now), it's not clear that big banks are actually better than a smaller, community-focused bank or credit union. https://online.citi.com/US/ag/current-interest-rates/cd https://online.citi.com/US/ag/current-interest-rates/cd https://www.bankofamerica.com/deposits/bank-cds/cd-accounts/ https://www.bankofamerica.com/deposits/bank-cds/cd-accounts/ https://www.chase.com/personal/savings/bank-cd https://www.chase.com/personal/savings/bank-cd I double checked, and it turns out they all have a couple of products offering closer to 4.5% APY, but the tables on those linked pages still have far too many numbers like 0.05% APY on them to be taken seriously.