By: Jonathan Ping

In reply to Jacob.

Thanks for the tip. If you want avoid credit union hassles (they are often small and deny membership when they are overwhelmed), consider CIBC Agility Online at 5.66% APY for 12-month CD. They are the online division of CIBC.

https://us.cibc.com/en/agility/certificates-of-deposit.html

They also have a savings deposit bonus that can work out to a good APY while maintaining some flexibility:

https://www.mymoneyblog.com/cibc-bank-agility-savings-deposit-bonus.html