You can also get 5% APY in FDIC-insured accounts if you're willing to do a bit of work. Rewards checking accounts and prepaid card savings accounts (Mango is of

You can also get 5% APY in FDIC-insured accounts if you're willing to do a bit of work. Rewards checking accounts and prepaid card savings accounts (Mango is offering like 6% on up to $5k).