<prompt> Human: Im not sure what more there is to explain here. What is the advantage of a no penalty CD that has a lower interest rate than the savings account? I think their no penalty CD is at 1.15 and the savings account is 1.35.  <response>: It would only be beneficial to use the 3, 6, or 9 month CDs if you are putting in 25,000 or more, 9 months for over 5,000. All the rates at the 12 month level and up are beating the savings account. 