I just think it's a lot easier for me since I believe they have certain CDs with penalties if I do have to dig into it etc etc. Like a regular savings account is so easily accessible by going to my bank, filling out a paper saying I want to widthdraw, and bam I have $. With a CD I can't just walk into the bank without having to take at least half an hour to an hour of waiting time to take money out, right?