I am having a bit of trouble adjusting to the new site, so bear with me. One might find above-average CD rates at First Republic. One must first find a "personal banker", then use the appropriate handshake. Two passwords later. and a sip from the chalice, you get 90 basis points or so above what mere mortals get.
It's called the "unpublished rate".
Weird. But, worked for me.
Bozo