Which would be better, funeral trust or CD?

Mom has pre paid the funeral home for her service ect. In the course of paying on it the funeral home was bought by another area funeral home.
She received a letter the other day explaining that the bank that was currently holding the trust at the time were closing their trust accounts. So while that was going on they were setting up a trust at another bank and putting payments into a CD at a third bank.
Apparently they were suppose to notify her that they were doing that. Now they are asking for permission to leave the money in the CD.
What we want to know is which would be the better choice, the CD or the trust account.
Mom dosent want me to be stuck having to pay for anything, I am not able to afford that.
Thanks
Marie