what am i missing?

so, i bought a new computer a little while ago on good financing terms with no interest for 9 months or so. i thought it would be wise to pay the minimums until the end of the financing period, so that i can earn interest on the money in the meantime, rather than paying it all up front. the money is set aside in my savings account with ingdirect. i like the savings there because you earn a pretty darn good rate with no minimum balance and no fees. (if anybody wants to sign up, let me know because i can refer you and i think we both get a bonus!) as you can see here, i earn 2.4% APR no matter what the balance is. not too bad.

so, then i thought, hey, wouldn't it be better to drop that amount in a six-month cd or something, to earn even more? the money is already set aside and dog eared for that purpose alone, so i don't need to be able to access it, and cds are a great solution for short term savings needs. so, i looked into the cd option at ingdirect and found the following rates...

what? i earn more in my savings account unless i sign up for at least 12 months (which puts me past my financing window). even then and even if i go up to 60 months (5 years!), i only earn marginally more. i guess the thought is that if rates drop again, then i'm at least locked in at the good rate. not much motivation for me to move my money around. anybody know why this would be the case?

p.s. mindy and ron, i have an extra flat panel monitor that is bigger than the one you have if you want to borrow for an upgrade. just let me know before i sell it on craigslist :)