If u have a 250,000 (even a little less) laying around and put it here for 1.8% - so help you g-d! A 1 year cd will get u more than double probaby 4x if you shop around.
This is really for emergency fund account which usually is $10-30,000 which will get you 1000 - 3000 miles a month = roundtrip in the US in a year.
hhhhmmmmm - neh - IMHO.