Believe me, I know the feeling! This is called “chicken money” — money you can’t afford to lose. TheFed is keeping interest rates low and punishing savers. But if you can’t afford to take any risk with this money, your only choices is low-yielding CDs. If you want to get the highest rate on CDs, consider www.MaxMyInterest.com — where they search out the highest yielding CDs for you with FDIC insurance.