This is very helpful, thank you so much! :)

This is great to know! Will look here too, thank you!

I wish I had a better handle on our timeline, but we subscribed into a PE fund and need to be able to wire within 10 business days of capital calls, which can happen at any time. I think we could safely put some into a 6-month CD though - do you what bank is offering the 4%+? I was mostly finding high 3%'s in my search. Thank you!

Thank you! Will look at these three!

Thank you! I kicked myself for missing the 9.62%, and wasn't sure if the 6.89% was still enough, assuming the rate drops in May and knowing we would likely liquidate at 1y and be hit with the 3 month penalty.

It looks like we might be able to still purchase for 12/31/22, and we had considered purchasing in the names of our two daughters as well. So in that case, we'd have 80k earning the 6.89% for the next 6 months, then essentially we'd get three months of interest at the May 2023 rate (assuming we liquidate at 1y mark)? I know it's dependent on inflation, but is there any speculation as to whether the rate may hold steady when it resets in May or if it's more likely to drop?

Thanks! Will keep Capital One and Citi on my list.

Thank you! The hard part is that I'm not sure when we'll need the cash. We subscribed into a PE fund and need to be able to wire within 10 business of capital calls, which can happen at any time. Can I ask what bank your HYSA is through? Any complaints?