Same. I’ve only had one CD, and that was a no penalty CD to hold onto some cash for someone.

I pay state income tax, and t-bill rates are almost always better than CD rates (at least recently) after accounting for state tax rates. So I buy t-bills on autoroll in my brokerage (which is my main bank) with most of my cash, and the rest sits in a money market fund.

I haven’t seen much point, but rates are currently pretty good and I’d probably get them if I didn’t have state income tax.