I'm in a similar boat. Option 3 is a CD (3, 6, 9 a 12mo term).
Rates are 3 and even 4%+ in those time horizons. Do that so it's truly liquid after that time. I bonds are stuck for a minimum of 12mo, with a 3 month penalty.
I bonds are NOT an emergency fund.
Emergency funds belong in a HYSA.
TheKingJacobo t1_iug1mib wrote
Reply to I Bonds or HYSA savings for grad school tuition? by Technical_Artichoke5
I'm in a similar boat. Option 3 is a CD (3, 6, 9 a 12mo term). Rates are 3 and even 4%+ in those time horizons. Do that so it's truly liquid after that time. I bonds are stuck for a minimum of 12mo, with a 3 month penalty.
I bonds are NOT an emergency fund. Emergency funds belong in a HYSA.