FDIC insurance will likely stay at the $250M amount. It is easy to structure accounts to gain additional FDIC insurance at a single bank where a couple could easily insure upwards of $2MM if they have a few kids, and still retain complete control of the money.

CDAR's is a program available for CD investors. Plain vanilla CD's with about 0.15% less return, but each bank is limited to $20-50MM in total participation. Find this program at your local community bank.

You could also purchase collateralization if you are a major client at your bank. If you have a few million on deposit, or a few million on deposit and a few million in loans, you should have no issue getting this for 0.15-20% rate reduction at a local community bank. Just finished up collateralizing deposits for 3 clients doing this. They all wanted to stay at 1 bank and not go through the hassles of account structuring.

Those are your three options.