+1 Just opened his and her NFCU 17-mo, 2.25% APR CDs with $50 minimum by credit card and transferring additional deposit money from Vanguard by wire tomorrow.
Also opened Roth for DW and seeded with $50 for 37-mo 3.0% APR and will transfer DW's Roth to that... I already have a 5-year tIRA CD from last summer with 3.5% APR.
I think 2.25% and 3.0% and 3.5% APR on NCUA insured ballast money is going to be very attractive over the next 17-37 months.... especially given the interest rate risk of bond funds if we ever get out of this mess.
ETA: Trying to decide for DW's Vanguard Roth account whether to close it/transfer entire balance or leave a little in it so we have it in case we ever want to transfer back to Vanguard later... thoughts