Whatever, Not sure what you consider "decent interest rate", I doubt that you will find anything at banks above .5%. Personally I would (and do) use an investment advisor, and tell them how much to keep "liquid". My advisor has been able to beat the market just about every year over the last 10 or 11 years, and greatly limited the downside exposure. Prior to BRITEX, I was getting around 6% this year, but as of 2 weeks ago I was still UP 2+% on the year, and currently almost back to even from prior to BRITEX.
You can discuss your goals, etc. with this person, and they should be able to provide you with an investment that will suit your situation.
Hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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