Bank FD interest rate lower for 1 year compared to 18 months

Some banks have a provision for autosweep, and the amount is autoswept for a period of one year, without any interest payout.
The amount is also automatically renewed, though the interest rate is lower at 6.25% for 1 year.
Instead it is better to book a FD manually for 18 months for 6.45% interest and ensure that the FD is not renewed so that the user can decide the best investment options available when the FD matures, instead of having the FD autorenewed at a lower interest rate.
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