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No. of Recommendations: 2
cheezy,

I may need to be satisfied with lower yields

I think this is your best starting position. As you said in you first post your stated goal is to "save" which is a different goal than capital appreciation.

If we go here
http://cdrates.bankaholic.com/?product=18&sort=2&go_...

and play around with maturities you might find some other options. With the FDIC shutting folks down it might be a good idea to do a little research on any bank offering above average rates.

Looking here(scroll down to the fixed rate chart) http://www.treasurydirect.gov/indiv/research/indepth/ibonds/...

and you will find that current fixed rate isn't very favorable for an instrument designed to be held 5 or more years.
If you redeem I Bonds before they’re five years old, you'll forfeit the three most recent months’ interest; at or after 5-years old, you won’t be penalized.

Quick peak at Treasury rates and we see 3yr @ 1.46 and 5yr @ 2.47; zeros have a few basis bump above those.

all of the above is intended to get your feet wet so you can do your own research.

jack
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