FWIW, retirement studies would suggest a 4% withdrawal rate the first year, and increasing for inflation each year after. There are some other ways to go with this, but it's a good starting place.

https://www.businessinsider.com/personal-finance/banking/7-percent-interest-savings-accounts#:~:text=See%20how%20we%20rate%20banking,rate%20is%20Landmark%20Credit%20Union

Probably not what you are looking for (with the limits and terms), but you get the idea.

People with your financial sophistication will be eating cat food out a can at 75. Good luck with those pesky numbers.