JPM. But, the key is to buy them through your brokerage account. Brokered CDs are a thorn in the side of the banking mob. If you asked at a branch, they might tell you less....often much less. Brokered CD gives you the same protection as retail, and the money automatically comes out of your cash reserve account, and is automatically put back in...there are zero lost interest days, and no need for new signature cards, etc....btw, FDRXX is currently yielding 4.77%, but buying CD locks you in, provided they aren't callable. Bank of China-US is offering 5.1 fir 30 days.. they have come down slightly in the past few weeks.