<prompt> Human: basically thinking a bond fund, money market, high-interest savings account, that kind of thing. Not 100 set on FDIC-insured, but definitely close to that in terms of qualitysafety. Not really excited about having to jump through a lot of the hoops that some high-interest accounts require.Apologies in advance if this is a frequently asked question... seems like it would be, but I did a search and didnt find much. Thanks!For posterity: Lake Michigan CU offers a 3 interest checking account!  <response>: For under 12 months a savings account is the way to go. You dont want to risk a short term loss. 