You walk into your bank seeking safety. You trust your bank to provide only secure, FDIC-insured deposits. But you want higher yields than the bank certificates of deposit. Those six-month CDs are currently paying less than 2 percent at most local institutions.

Now you're in the danger zone. It's happening mostly to seniors, desperate to squeeze every last drop of interest from their cash. But the desire is hitting all savers who want safety but also want more yield. And it's given new ...

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