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Your strategy of investing in laddered CDs and accessing the funds when they mature is one option. If the CDs will be in IRAs and you intend on using the funds for 60 days and then returning the money, this only works if the IRAs are at different institutions and you don't violate the 1 year rollover rule per IRA account. You would not actually be borrowing the money but taking a distribution and rolling it over in 60 days. Here are some fixed annuity rates - http://www.annuityadvantage.com/annuitydata.htm