The money in your savings account is earning much less than that.
Several banks are now offering certificates of deposit paying 5% interest or even slightly better for two full years.
One or two banks are even offering CDs paying 4.8% or more for three years. At the time of writing, those included Sallie Mae Bank at 4.85%, UBS UBS and First Foundation. A two- or three-year CD paying around 5% is almost certainly going to work out to a much better deal than a one-year CD paying the same amount, because your interest will compound for so much longer.
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