Capital One is offering money market savings accounts earning 2.0%, with no caps, and no time limits. Sure, I could buy a 1 year bond, and earn the extra .72%,

Capital One is offering money market savings accounts earning 2.0%, with no caps, and no time limits. Sure, I could buy a 1 year bond, and earn the extra .72%, but I rather have the flexibility to withdraw at anytime with the Capital One money market account.