Maybe you should actually use a bit of your brain, though...
Assuming someone has the room in their TFSA, then Alterna TFSA is better:
$10,000 @ 2.3% for 12 months = $230
Let's take Quebec tax brackets since the OP is from QC, and we'll assume OP makes less than $42,000 which puts them at a tax rate of 27.53%.
So, your "no brainer" $230 is now only $166.68
But wait, what if OP makes $50,000? That "no brainer" only earns them $144.62 which is a piddly 1.45%.
Or you could just stick it in a TFSA and earn:
$10,000 @ 2.1% for 12 months = $210