E*Trade is holding strong with a rate of 4.02%. I'm so glad that I have them. I'm sure that soon enough they will be below 4%, but at least they have held on for a few weeks longer than the other institutions.
Now I'm looking into CDs. At least I'd like to put my Christmas fund in one for 6-9 months. It looks like I can get the best rate on 6 months. That works for me.
I would really like to open a few CDs and have one maturing each month. I would keep rolling them over, but if something came up then I could pull the money out without a penalty. That's not possible right now since I still don't have a part-time job. I'm thinking in the worst case scenario I should have one before summer. That's only a couple of months away. I would really like to increase my EF to $2,000 this year and eventually begin a long-term EF that will have $20,000.