It sounds to me like you answered your own question:
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since the interest rates are rising, we're concerned that our money will be locked in the 12-month CD, and the 4.6% will become less and less attractive as rates keep rising.
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If you're going to worry about it, stress about it, be bugged by it, talk about it too much, etc. I'd just sock it in ED and be comfortable knowing I had money-mobility if I saw an attractive offer.