I’d go with the one year. I have a .9% interest rate with a CD that has about 6 months left, and I can actually add money to it at any time, but I can not withdraw it once it is in there. I was thinking about adding $100,000 to it, just to put the money somewhere and not have it locked up too long. It is in a savings account right now. If you are very conflicted just put half the money in one and half the money in the other. I think in the next 6 months interest rates will start to rise. Complete guess, I obviously do not have a crystal ball.