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"post_content": "Does anyone have suggestions for what to do with short-term savings (3-5 years)? Stock market too risky, interest rates are crap. Are CDs with local credit unions a safe bet?",
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They are "safe" in the sense your principal is protected and you get a steady rate of interest. Risk is that rates rise over the term of your CD and you're stuck at lower rates.
A good middle ground is bonds! Get the main tracking index fund for bonds from Vanguard, lowest fees. There is some risk it goes down here and there but generally it has steady upward growth over any 3 years. Good risk-reward trade off for the short term.
Money market... depending on the amount, you could potentially get 1% or so return 😉