My CU has 6-month CDs at over 4% right now.

CDs are okay but I don’t prefer them due to lack of liquidity. There’s basically no reason to choose a CD over a HYSA at the same rate.

	▲	SoftTalker a day ago \| parent [-]
		The minumum deposits are a lot lower. If you have a HYSA with low balance requirements, sure that's great.