Fidelity offers investors brokered CDs, which are CDs issued by banks for the customers of brokerage firms. The CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers. Because the deposits are obligations of the issuing bank, and not the brokerage firm, FDIC insurance applies.
4.7% rate, buy @3/28/2023, mature @4/25/2023, actually less than a month, still 12m unsold.
感觉银行融资有困难。
小银行的现在不好卖了
那个银行拿了储户的钱啥也不干存在美联储，赚 0.20%。当然了去掉开销（比如FDIC保险费）不知还有没有剩的。
理性市场 Treasury bill 收益率应该低于最高的银行CD，因为信用更好又不用缴州税。前一阵子反过来了，不知为什么。
Pandemic 期间 Treasury bill 收益率几乎是零（至少有一次确实是零），那时 bank savings rate 高的大概 0.5-0.6%。
Fidelity offers investors brokered CDs, which are CDs issued by banks for the customers of brokerage firms. The CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers. Because the deposits are obligations of the issuing bank, and not the brokerage firm, FDIC insurance applies.