If you pulled everything out and then bought similar investments, you would save money. This is called tax loss harvesting.
If you pulled everything out and then bought CDs, no one can tell you what would happen. If the market goes up, you could have cost yourself another 25%. If the market goes down, you could have saved yourself another 25% as long as you buy similar investments after the drop. Will you have the guts to do so?
Anyways, I have seen your "footprint" on this forum. You are looking for a brokerage as if it will solve your problems. It won't. You appear to not want to work on an asset allocation, but want to buy individual stocks and do some kind of trading. I don't think buying individual stocks and trading will help you.
Also, there are no CDs with high interest rates.
Finally, please tell me the last 4 personal finance or investing books that you have read. This will also help define you. For example, the last 4 such books that I have read are "All About Asset Allocation" by Rick Ferri, "Your Money & Your Brain" by Jason Zweig, a re-read of "Why Smart People Make Big Money Mistakes" by Belsky and Gilovich and "The ETF Book" by Rick Ferri.