Well, if the powers that be mean anything, my bank is offering 2 year CD's @ 2.8%.
NO JOKE. That's how sure they are that Fed rates are NOT going up, but down further.
I am getting 5.25% from my brokerage firm But there is a 5% withdrawal cost...Which I will not be doing. There are a lot of internet banks offering 4.25% on one year terms. But the chance of insolvency is greater with them hence the rate. But I think it was fidelity was offering 5.15 on longer term!