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Re:Fidelity Introduces Zero Expense Ratio Index Funds by LeifCarrotson on Friday August 03, 2018 @09:11PM (#17684839)
There are lots of credit unions that have 3% or better checking accounts:

https://www.lmcu.org/personal/banking/checking-accounts/max-...

https://www.myconsumers.org/personal/checking

No penalties for liquidating, some minor requirements (use it for at least one bill and a couple purchases each month) to get the interest rate each month.

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