A fintech focused on High Yield for your cash.

Tl;DR: Why is it hard/not worth for a fintech startup to focus on shorter term higher yield for customers using CDs?

-> And no maxmyinterest.com is not so good at maximizing your cash yield (only ~4% last i checked) and they seem to be pivoting their business away from this <-

-> Also Vanguard/Schwab brokered CDs https://imgur.com/a/ZkUgf0G are < 4% <-

Yield on ordinary cash for me is a tradeoff between Effort vs Return. I generally put my spare cash in a money market fund in a brokerage which is ~4% SEC yield right now and is the easiest by far.

Yet there are 6 month on CD's that yield any where from 4.25 - 5.00% like [here](https://www.wsj.com/buyside/personal-finance/banking/cd-rates-today-9-24-2025?mod=googlenewsfeed&gaa\_at=eafs&gaa\_n=ASWzDAi5\_4QpDBOpVt9BmPIeA3UVyMxKUmijYBfEFLU2g0jShFjfn4MYyvOVRalGxF8%3D&gaa\_ts=68d4167d&gaa\_sig=Lr0WUIxXSiMge\_amLa85qrjzdPG9w22bY6swlpiBIQukT7tBR9Ssuk9w4monFLGnbeyT-LC3VMxTYZz6aVIE4g%3D%3D) But I have to typically open an account with these credit unions which is very cumbersome.

Specifically for CUs, no fintechs focus on pooling a number of CDs and offer them to customers directly without opening an account:

- Is it a supply issue?

- Is it hard technologically to integrate with them?

Does someone explain to me technically why this is hard/not worth fintech a startup?