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My Credit Union is still at 4.7% APY on 5-years, 4.25% on 4-years, and 3.9% on 3-years.

They didn't lower rates a few weeks ago, when there was a big drop in 10-year Treasury yields, as I expected. I'll report if they lower next week (they post info on Saturdays).

I'm wondering if the high rates at Penfed were intentional, as a sales tactic, as when other banks and credit unions post temporary bump ups of .25% or .5%, just not advertised as such. They were certainly being aggressive about trying to get new customers with their "please, find some way of being eligible to join" pitch.
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