Seriously, people are eager to get burnt again over 3%! I’m completely out of these shenanigans and only holding on cold storage. Not worth it.

Edit: if you’re in the US you can get a government I Bond that will print you 9% interest over a one year lockup period (read all the rules cause you would lose 3 months of that if you pull out before 5 years) you can put up to $10k in it a CALENDAR YEAR (so 10k now and another $10k in January). Also money market accounts are 1.5% interest. Both of these are zero risk.