No. of Recommendations: 4
Like Dan, I didn't receive a "Reservation Offer" to roll my 3-year CD at a better rate than ordinary people, whereas Wendy (and I'm sure others in this forum) did receive the offer. So I called PenFed just now to ask why. The rep looked up my account and then said the following:

"You have just one CD coming due. We've already been able to fill our needs."

What she didn't say, but what I have to assume, is this. First, they made the offer to the "whales", those with big accounts. If their funding needs had not been met, then they would have extended the offer to the "minnows".

Their games; their rules.
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