<prompt> Human: I have almost a years salary in a savings account thats earning 137; APY. Thats my emergency fund and it can cover 6 months of expenses without worry. Ive been blessed with a good nest egg and a recent inheritance, and I contribute to savings just about every month.I woke up this morning thinking, I should open a CD. With todays rates, is it worth putting some money lets say 10,000 in a high yield CD? My savings is with Capital One, who has a 12-month CD with a 2.137; APY and 3-year CD with 2.3537; APY. Is it worth putting that money in a CD? Would I be better off putting it in a number of ETFs? Something else?  <response>: You would be better off with Treasury bonds The 1-year pays 2.24 and is exempt from state income taxes. 