Can you get a nine month CD?Sounds like you have the same problem as my wife and I. Lenders almost literally throw money at us to get us to use it. Not too long ago one of our credit cards sent us the 0% interest checks for 12 months and no transfer/purchase/usage fee. I promptly wrote it to myself for the credit limit and stuffed it in the bank just in case we wanted to pay for something over time. When the promotional period was over back to $0 balance it went. We didn't really need it but since they weren't going to charge us for it I figured I might as well use it even if only temporarily.