<prompt> Human: I use Capital One for some savings accounts because they make it very easy to create separate accounts for tracking.Right now they pay 0.75 on their savings which is the same as my credit union pays on its high yield, high balance account. So I dont gain or lose by using C360 instead of my credit union.What I dont understand is C360s CD rates...Theyre paying only 0.40 on 6-24mo CDs and 0.70 on 30-48mo CDs. Only the 60mo actually earns more than savings at a paltry 0.90Why would they set it up like this? I can understand that they dont want to get locked into a higher rate when their ability to earn money from deposits via loans may be dropping... but honestly, why even bother offering a 3mo or 6mo CD if youre giving out almost half what someone could get in a Savings account where the money isnt tied up at all?  <response>: Simple answer is 0.75 is not guaranteed to stick around for the duration of those CDs since it is variable.Max out your savings with a variable 0.75 Annual Percentage Yield effective 11222014 