I’ll opine also that brokerages like Vanguard and Fidelity have easier and better rate offerings for CDs versus going to a local bank or buying a CD online from a bank direct. Lately too, the 4 month ( 17 week) treasury bill has had the highest rates versus pretty much any other treasury. I use Treasury Direct to buy bills in $100 increments. Fidelity has some CDs you can buy in $100 increments from time to time too.