1 Year Rates

With an extended pause increasingly looking likely it's worth considering 1 year deposits if your cash flow allows. Cash is currently at 4.50% and 90 day deposits are at around 4.90%. 100 points over would look like a pretty good margin which would bring us to 5.90%. You can roll at this level every 90 days or lock in a higher yield and avoid the risk of the margin shrinking.

There are a number of good opportunities evident on the rate sheet covering a range of institutions and credit levels.