<prompt> Human: Im pretty new here, so I read the side bar and looked through some posts and it seems that my best option after looking at rates is to put the money in a 1 yr CD for 1.2 interest. The highest savings account rate I can find is 0.99, so thats out. Am I missing something? Also...how do CDs work compared to a regular savings account? Can I deposit withdraw money any time or is it a 1 time thing?Assistant: or you could put your money hereHuman: hereSo youre telling me that 0.99 1.20 ???! Did you even read my post?Assistant: 1.20 0.99, but at least with the savings account, you can add withdraw money whenever you want. For 10,000, thats a difference of only 21 per year. Is having that extra flexibility worth it to you?Human: hmmm I see your point  <response>: hence why i suggested it, and you were rude back 