Ally has always been very good about resolving issues and I think their customer service is better than most. For some reason, I can't open new accounts without a telephone verification and I always have to call them to complete the transaction. That's really been the only issue. Sallie Mae has a better rate on their money market account right now, as previously noted. Pentagon FCU offers 1.25 percent on a 1 year CD, minimum $1,000 and you have to qualify to join. You may want to look at I-bonds as well. They pay more than CD's and if you hold them for awhile, the penalty for cashing them in is fairly small.