A few months ago, I was receiving around 5% in my money market account. I keep around 1.5m there for a rainy day. I am now receiving around 3%. The bank tells me it will most likely fall to around 2.5%. Can someone recommend a safe place to move my funds? These rates are just crazy. Certificates of depression are not a good option either. Normally, I would have it in a few good mutual funds, but in this market, I pulled that money out. Too risky. Advice? Suggestions? Recommendations?