<prompt> Human: I was looking at ING Directs CD rates and it looks like every one up to 48 months are at or below the rate youd get if you use their savings account. Why lock up your money for x months and get the sameworse rate?I know this question is pretty focused, as I havent looked at any rates from other banks. It just didnt make sense when I saw it while looking at INGs site.  <response>: Right now they dont make much sense... back in the eighties though when interest rates were 15 it did. 