Discover bank 6 month cd - 3.4%. Online savings - 3.6%

Of course, a 12 month cd is 4.5%, but the savings account makes more sense at 3.6 than a 6 month cd at 3.4. Also, rates for online savings can change ( you aren’t locked into your rate). Lately rates have been going up - if you open an online savings at 3.6, there is a good chance the rate will increase while your money is in it over the next few months (the way rates are currently)