CDs over the next 3 to 5 years

[MJ]

Hi,

I have a IRA zero coupon maturing next week. I still haven't done my homework for future investing in either index or retirement 2xxx funds so I am thinking of putting the 59k in CDs.
I found a local CU offering IRA CDs @
4.24% APY for 3 years
4.71% APY for 5 years

It appears the if I take the 3 year CD and I would have to get at least 6.10% for year 4 and 5 to equal the interest of the 5 year CD.

Can anyone comment on which is preferable over the next 3 to 5 years. The rates don't appear to be moving much these days.

Thanks in advance

MJ