Just a friendly reminder that anyone can open an account with Treasury Direct, even if you're not planning to purchase a treasury right away. Might not be a bad idea for the savers in the group to have a Treasury Direct account open and "on standby."
Just go to
TreasuryDirect
We've had an account for 10-1/2 years now, and monitor both CD and Treasury rates when deciding where to put short-term cash.
The account is harder to set up or make changes to than an on-line bank account. For example, when we changed our linked bank account we had to get a signature guarantee. Yes, it was a pain in the you-know-what, but honestly it was in the name of account security so it was worth it. Once the account is set up, purchasing a Treasury is a snap.