<prompt> Human: Im thinking about putting around 5,000 into a CD. I already have an account with Wells Fargo, so I thought it would be most convenient to invest in one of their CDs. Im only 20, and Ive never done anything like this before, so is there anything I should look out for?  <response>: Oddly enough, Wells Fargo pays significantly higher rates on their brokered CDs than their direct CDs.There are some 5-year Wells Fargo CDs available right now through Charles Schwab at 2.40 