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[quote=Anonymous]You can get that rate (or higher) at multiple banks in a brokered account (Fidelity or Vanguard etc). All of the ones I've ever seen at Fidelity are FDIC insured. Another advantage that might appeal to you would be you can have all your money at the brokerage but still qualify for FDIC insurance amongst multiple banks- ie you can buy 250k from Capital One, another 250k from Ally and so on. [/quote]
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