Here's an option for you. Look into $ICSH to see if you think it suits. I invested some cash in December into this ETF called the BlackRock Ultra Short-Term Bond ETF. The ETF invests in short-term investment grade bonds denominated in USD. 12-month trailing yield is 1.09% (not bad), the price of the ETF has been very stable, and it's liquid. Fee for the ETF is 0.08%, not bad. Fact sheet: https://www.ishares.com/us/products/258806/ishares-liquidity-income-etf.
It's not a money market account and there is some risk compared to a savings account. But if you are looking for something that has a much higher yield than 0.2% and you're willing to take a tad bit more risk, this could work.