Antonio would like to replace his golf clubs with a​ custom-measured set. A local sporting goods megastore is advertising custom clubs for ​$570​, including a new bag.​ In-store financing is available at 2.98 ​percent, or he can choose not to renew his ​$300 certificate of deposit​ (CD), which just matured. The advertised CD renewal rate is 2.17 percent. Antonio knows the​ in-store financing costs would not affect his​ taxes, but he knows​ he'll pay taxes​ (25 percent federal and 5.75 percent​ state) on the CD interest earnings. Should he cash the CD or use the​ in-store financing?​ Why?