No. of Recommendations: 3
Sorry, my original post was wrong. I must have misread the card PenFed sent. It actually said.

Term Special APY Regular rate APY U.S. Treasury
3 3.50% 2.50% 1.11%
5 4.00% 2.75%
7 4.25% 3% 2.02%

Strange how perception works. I asked the PenFed customer service rep for the 4 year and he said, "We don't have a 4 year." Then I looked again at the card in my hand, and, sure enough, it didn't have a 4 year.

That kind of perceptual mistake is why I required a second set of eyes to do quality control in manufacturing. People do not make mistakes deliberately. I have seen this before -- a person looks right at a mistake they made but they don't see it. A second person will see it right away.

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