Analysts like Pimco now say that rates will remain stuck for the “foreseeable future,” which could keep rates set in a range from 4.25% to 4.50%. Despite that, many Americans won’t be getting close to that — not in the record amount of cash they’ve socked away in money market funds, nor the stability of trusty high-yield savings accounts. So, how can you get closer to what the bank is getting?

• Short-term bond funds like the Vanguard Short-Term Treasury ETFVGSH
  and SPDR Bloomberg 1-3 Month T-Bill ETFBIL
  offer safe havens with monthly dividend payouts, currently paying 4.27% and 4.04% after fees.
• For investors willing to accept some added risk but nonetheless, high-quality lenders, floating rate ETFs like the VanEck IG Floating Rate ETFFLTR
  and the Bloomberg Investment-Grade Floating Rate ETFFLRN
  are paying 4.99% and 4.85%.

Just a note: These Bond ETFs are likely to pay more than traditional banks, many popular money market funds, and even time-dated deposits like CDs. With them, you can expect monthly distributions (dividends) to your account, with limited price movements on short-term bond funds. Also note that shorter-term funds will see small changes in price throughout the month, and rates are subject to change based on bond pricing and Fed decisions.

Want a little more? Of course, if you’re in it for the long haul, you might consider buying beat-down bond funds like the iShares 20+ Year Treasury FundTLT

and the Vanguard Total Bond Market ETFBND

— which pay 4.78% and 4.57% after fees — with potential for upside when rates fall. Before buying longer-term funds, familiarize yourself with possible risks or evaluate your investment horizon.