[CRFSaver]

Actually the best thing to do is do the math. Level of rates have less affect then shape of the yield curve. The Yield curve is quite flat so there is less incentive to go out further on the yield curve. On the other hand when the curve is steep, even if rates go up you can still make out quite well because even though rates might go up in 3 months or 6, the time you are waiting in low paying short duration CD's offsets any gain from the higher rate. It is quite simple to figure out what the best thing to do with excel, quatro pro, lotus or any other spread sheet programs. See how much cash you get by investing now and see how much you get if you wait 3, 6 or 9 months.