Need help pls

Antonio would like to replace his golf clubs with a custom-measured set. A local sporting goods megastore is advertising custom clubs for $900, including a new bag. In-store financing is available at 5.59 percent, or he can choose not to renew his $500 certificate of deposit (CD), which just matured. The advertised CD renewal rate is 6.34 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 in the CD or use the in-store financing? Why? Note: Round intermediate computations to at least five (5) decimal places. The after-tax CD earnings rate is 6. (Round to two decimal places.)