Vince one of your New York Credit Unions had 6.15% for 12 months. You might be eligible? Credit Human in Texas is 5.80% for 12-18 months and you can join under the Arkie Wildlife(My choice) or Louisiana Business lovers for $5. They cover the fee.you don’t need to worry about me…I’m currently building up my f u money…just open up a 5.25% 11 months cd yesterday: