<prompt> Human: I got an email from navy federal for a certificate offer. Was wondering if it was a good choice to make the investment. Heres the details: 20 opening2.00 APY20 month termDeposit anytimeid probably do monthly so I can try to build it up Is it worth it??Thanks for the advice in advance!EDIT: Thanks everyone for the reply. I decided to get the 12 month at 3 first. Thanks again!  <response>: They have a 50 opening 3.00 APY 12 month CD... 