Retirement tax questions

Brokerage account for Inherited IRA:  In this particular case, I want the money to go into Certificates of Deposit (CDs) and I don't like "brokered CDs" offered by Vanguard, Schwab, etc.,  because if I  have to cash one in early, there could be a substantial loss versus a bank CD where I would just have to forfeit one quarter's interest payment.