<prompt> Human: I saw an ad in my local newspaper for a 6mo CD at 5.06 APY. I called the number and the guy who answered told me that they are brokers for banks. I need to go in and meet with the broker and hell have me write a check to the bank for the CD. The minimum is 10k and the max is 250k. The CD is FDIC insured.How is this possible? The best CD I can find online is 3 and its 5 years.  <response>: If it sounds too good to be true...It probably is. 