Notes copied from the review of Mysavingsdirect.com at depositaccounts.com:
Rate Reduction Notification To 1.00% - 12/14/2015
Rate Reduction Notification To 1.00% - Effective Date:12-14-2015
Rate Reduction Notification To 1.10% - 9/9/2015
Rate cut to 1.10% from 1.25% effective date of rate cut is 09-10-2015
Notice a pattern? The bank advertised heavily when it raised the savings APY to 1.25 percent.