People still buy CDs as investments? So many better financial instruments nowadays. A high yield savings or money market from Citi offers 2.43% right now and doesn’t come with the restrictions of a CD. If you don’t have a Roth, open one (or two if you’re married). You can deposit two tax years worth of funds ($11,500 for 2018/2019 combined) plus the same for your spouse. Then invest it in ultra-low cost income funds from Vanguard. That will yield you 3-3.5% without much risk. Plus the gains are tax free to boot, and your contributions are always accessible penalty-free.