Hi Eric,
Any chance that HaoBTC will reduce the minimum BTC for the fixed deposit . 10 BTC is a lot.
Keep in mind that you don't have to go with the COD. You can just do a normal deposit of less and you'll still earn interest.
It's not that much interest, but the way I look at it is this: my coin is better served sitting in HaoBTC than in my wallet where it earns 0. Some day in the future if bitcoin is worth 10x what it is today these small earnings will have been well worth it.