Personally I will go for it; make sure that they pay the interests in a separate account so that you can use it during this period.I got higher rate at 7 % few months back for 18 months but I refused to convert.
Depends on the amount they give 5% now.
I am not giving cash I am converting existing account from L.L to dollars.
2 years fixed , I don’t need to use them now. but the only plus is shielding it from devaluation .
Of course I keep 3 years budget in L.L.
It is a tricky decision in the unknown.