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Thanks for everybody's replies.

As to your burning inquiries regarding where I get this 7.2% return: The IRA is in a 60 month CD account at my credit union (Digital Credit Union). The current rates aren't quite as good, and I got a slight rate hike for having income on direct deposit.

Alas, the only way to become a member is either through your employer or through someone in the immediate family who is currently a member. Go to to find out if your employer has an agreement with DCU that would enable you to be a member.

They're bank account rates and probably underperform the market in the long run, but they're the best damn bank rates I've ever seen.

Incidentally, all of your DCU banking can be done online. I've had the account for about twenty years and I've never actually set foot in the credit union! ;)

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