AS far as USAA goes, I happen to be a member, and after you mentioned it, I did check, and you’re right: they do have CDs that are yielding more than Treasury bills. It comes down how comfortable you feel about USAA’s bank. I feel pretty comfortable. On the other hand, I would avoid Corus Bank’s CDs. It seems they are desperate raising funds via high-yielding CDs: Corus is very exposed to, not only the Housing Bubble bursting, but specifically the _CONDO_ housing bubble bursting. If you buy Corus’s CDs, you’re in a way investing indirectly in the condo lending game!