If I knew I wasn't going to need the money for a couple of years, I'd probably buy a CD. If I felt I might, I'd open a money-market account. Given that interest rates are so low right now and the difference between CD and MM rates is so small, I might go for the MM either way, in hopes that interest rates would go back up. (Locking in a low interest rate on a deposit account probably doesn't make much sense.)

As you can tell, I don't like gambling.