If you are looking to do something with the money in three months
I am not looking to do anything with it. It will be strictly an Emergency Fund in case shite hits the fan and I need it. That is why I want a financial vehicle that will allow me to access the cash in the event I have to have it. I threw out the 3 month CD option b/c the money would not be tied up for very long.
As to the other posters discussing Vanguard Roth, that is a good idea and I will start an account. I have concerns though that I may not meet the eligibility requirements next year and years after.
I really appreciate the suggestions.