I have not invested in other CDs before, but last year I made a 3 month Discover CD and for about 2 years I have had a 1 year Discover CD which I carried over. I do like that all the steps are online and are easy to follow, because other sites I looked at did not offer this. CapitalOne for instance asks that you come to a main office, which sometimes is not feasible. The only difficulty I had was when I wanted to cash out my short-term CD, I had been unaware of the fees associated with withdrawing my money - even though it was not early. They will mail you a check for free, but you must fax them. If you want an electronic transfer it will charge you a fee which sometimes takes all of your interest.