I was just messing about on their site, and noticed they offer CDs and savings accounts - so I thought I'd check the rates.

11 month - 5%, not too bad

24 month - 4.75%, all right

...

36 month - 1.15%

Hold on.

12 months is 4.25%... which gives less interest than 11 months. 18 months is 1%, wow.

48 months gives $489 total, while 11 months gives $446, on $10k. Uhhhh.

I just wonder how many applications they have for 36 month ones!! You get almost $100 more on $10k for *not* keeping your money with them for an extra two years!