买短期CD的要与US Treasury（免州税）比

18个月CD是2.9%，2年的Treasury Note (Treasury Direct)是2.836%

美国国债收入免州税。假如州税10%，那2.836%就相当于CD  3.15% = 【 2.836% / （100%-10%）】

懒得开Treasury Direct账户的可以问一下自己的broker (Charles Schwab, Fidelity)， 有时二手的也有很高的

https://www.treasurydirect.gov/instit/annceresult/press/preanre/2018/R_20181126_3.pdf

所有跟帖： 

• 4-week Treasury Bill 2.305% (equiv to 2.56% savings rate if stat -slow_quick- ♂ (100 bytes) () 11/30/2018 postreply 15:17:10

• 2-yr T-Note 2.836% (equiv to 3.15% CD...) -slow_quick- ♂ (81 bytes) () 11/30/2018 postreply 15:20:51

• 1-Yr T-Bill 2.737% (equiv to 3.04% CD ...) -slow_quick- ♂ (252 bytes) () 11/30/2018 postreply 15:58:03

• 我最近都直接幫美帝政府買8-week, 13-week, 26-week T-bill.當然不會存CD。備用的存2%money -big_canon- ♂ (189 bytes) () 12/01/2018 postreply 14:42:56