I did several Balance Trasfers and received $90K cash and deposited them to savings account in Dollardirect savings bank. I am receiving 3.2% and my cost is almost 0%. If it was you, where would you invest only for 1 year and only on FDIC protected? I checked all over internet but was not able to find better yielding banks. I am not into risky instruments or stocks only safe bets. By the way if I want, I can get more, probably make the total balance to $130-$140K but that needs a little extra work.