FYI - We just updated our rates. Top rate is no longer 4.11% checking from Liberty National Bank. New top rate is 5.00% one year CD from Patelco CU.-----------------------Welcome to TMF, Bryan!!After reading your 2 posts, it occurred to me that a high (potential) return includes risks. I made pretty decent returns in the early to mid 1990s, usually doubling my investment amount in 3-6 months, selling and re-investing, several dozen times - The market was right, and ripe, if you will, at the time, to enable me to do so, plus I had graduated with honors from the Deans College of an accredited university with a degree in accounting and finance and enjoyed offers of employment from Price Waterhouse, Touche Ross, SD Leidesdorf and a couple of other International CPA firms. I stopped investing in stocks when .coms went through the ceiling, and managed to avoid losses when the .com market imploded.Just saying - A 5% rate of return on a savings account, when most financial institutions are offering far lower rates of return, may well include additional risks:Dear Members,As you know, Patelco Credit Union is a not-for-profit, community-based cooperative, which means that our financial well-being is tied directly to the financial well-being of each and every one of our members. Much like a ship in rough waters, we rise and fall together, so job losses, reduced home values, and general uncertainty about the future continue to affect us...> https://www.patelco.org/presidents_letter_dec09.aspxjust a thought.Bob
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