Legend Bank (TX) New RCA Name, Lower Rate (2.02%,$10K) To (1.5%,$10K)

I cannot understand why anyone would go to all the trouble involved with RCAs when they can get 2% or a bit more at a multitude of banks and credit unions for a 5 year CD?  This way one has the rate locked in and you don't have to jump over hoops to keep it.  Does anyone really think interest rates are going up before 5 years??  Doesn't look like it to me and if they do, we can pay the EWP and go someplace else.  Frankly, I have never had any bank or cu refuse to return my deposit as long as I pay the EWP which I know can be steep these days.  Some just seem to love having even more than one RCA.  Beats me.