54 months is an awfully long time for a 2.65% rate imho.[/quote]
I don’t disagree. But it’s only tied up if I’m unwilling to forfeit interest. In other words – its as liquid as I need it to be – in case something else comes along.
As I said – this is my “emergency fund” money… needs to be available if I need it. Needs to have principal protected. And the savings account rates and money market rates are WAAAY more suckful. I had it in a 4.5% cd that expired. I was sad when that expired.