capital one 1 savings/mm is 2%, Ally is 1.9. ally no penalty CD for over 25K is 2.1% (all fdic, all free). Your CU rate is low so sure, move it, IMO not into the vanguard (non FDIC) MM account though, just for peace of mind. You could set up a CD ladder for the last use $$, 1 yr, 2 yr, 2.5 yr whatever works best to optimize interest. that gives you a rate of 2.3 up to 2.45. (google for latest rates)
Hit boglehads, I dunno about talking to vanguard, the beauty is that you don’t need to talk to anyone. A CD ladder will be a good plan as rates seem likely to drop. Plan it around due dates.