Would you do 2.3% 5 year CD with early withdrawal or 3.2% 10 year CD without?

[Chuckanut]

I wouldn't tie up my money that long for a low rate, but that said, five years ago many of us probably wouldn't have thought "QEx" (aka the War on Savers) would still be going on heading into 2016... so you never know. In hindsight a 5-year CD would have been fine in 2010.

Yes. I swallowed hard and bought some 5 year 2 1/4 % CD's over three years ago. I also bought some 3% PenFed CD's a few years ago. Today, that decision makes me look pretty good. In reality, I was just the lucky guy who managed to flip head 10x in a row.