Thanks MDM, that is a great thread.
Gone-Hiking, the yield is low. 90 days interest is also low, about 15-16 dollars. In the case of an emergency, I don't think I would mind giving those earnings up. It is not liquid which is why my plan has been to use my credit card and then pay it off after accessing the CD funds (a few days later). Anyhow, I'd like to use the credit card for points on an emergency worthy expense. I will be looking to move the money elsewhere for sure and possibly before it matures (May 2019).