The Marshall Family Is Very Conservative Financially

The Marshall family is very conservative financially. They have a retirement plan where John works and share a joint checking account at their bank. They keep a lot of money in their checking account to cover short-term needs and emergencies. Both of them want to step up to a higher interest rate than a checking or savings account pays, and at the same time stay with their bank.
-Which of the following is not an advantage of a CD as a cash management alternative for John and Shelia?

A) high interest rate
B) fixed rate of interest
C) It is insured.
D) pays money market interest rates
E) lends itself well to automated payroll deduction plan