Capital One 360 is offering 60 month CDs at over 3% now. Just a fee of 6 months of interest if you withdraw early. Pretty liquid and would get you an extra $75/month of income if you just did half of your savings (+$150/month for all of it).
60 Month CD at 3.0%? Anybody signing up for that should not be allowed to manage money ever again. Look at the yield curve, you are getting (almost) nothing for locking your money up an additional 5 years.
