I'm sticking to the question that I'm asking but here's the background.
I make decent pay and I'm also self employed. I invest money in an IRA at my own discretion each month, so I'm covering my bases for long term savings.
However, my wife and I have a full "emergency fund" set aside and since I'm a US citizen, each quarter I have to pay quarterly taxes. To be safe, I always over-estimate what I will need to pay each quarter in taxes and the net-effect of my money situation is that I have a sizable chunk of cash that has to be accessible for "just in case" events or sizable tax payments every quarter.
My desire is to put some of this money in some form of liquid account that is earning better interest than a money market. I'm not really interested in stocks, mutual funds, or even corporate/munis bonds. But, I would like to think that there is some form of account that can do better than 1% APR which is what I'm getting with my current money market. Preferably, I'd like to find an account that is earning in the 2-3% APR range just to keep up with inflation, but anything that's better than money markets would be fine.
I'm not really asking for investment advice, per se, but I would like to know if there is anything out there that I could shove a percent of my money in that is still liquid but will earn a little more than a money market. In my case, I'm willing to sacrifice a bit of safety (e.g. FDIC insured) for a couple extra percentage points on the investment.
Does such a thing exist within the US?