I made a living playing poker for about half a year then gave it up. Now I'm a financial adviser. CDs have been a great financial tool throughout all of time, but today's cd rates are less than great. If you have a CD that's reaching it's maturity date you may be asking yourself whether your should let it roll over or not. With rates this low you might have thought about putting your money into a standard savings account. And why not? Savings rates are only slightly lower than certificate of deposit rates these days. It's not a great time for internet banking but rates will go up eventually.