Economy

A CD will give you a better return but a money market is liquid. If you think you won't need to dip into the fund for a certain amount of time, get a CD. My credit union offers a 12-month CD for an annual percentage yield of as much as 5%. The interest rates on US savings bonds (I Bonds) is 5.27% right now, compounded semi-annually but rates can be adjusted every 6 months, and you can only buy $10K per year. Also, if you cash in before 5 years you lose 3 months of interest. https://www.treasurydirect.gov/savings-bonds/comparing-ee-and-i-bonds/