Agreed. I've been building CD ladders for the past year or so with shorter term CDs which are all paying higher interest than the money market accounts. CDs a

Agreed. I've been building CD ladders for the past year or so with shorter term CDs which are all paying higher interest than the money market accounts. CDs also have FDIC insurance. Many CD brokers allow you to buy and sell CDs on a market, so they have some liquidity now.