After I saw Emigrant's rates, This morning, I transferred everything except $1. My local bank's money market is 4.50 APR/4.60 APY until the middle of March. Who knows what it will be then. I'm going to add my Emigrant money to a CD that has an add on feature. With this climate, you have to make the most of your money. Don't close out your accounts because when the rates go back up, you can just transfer back into that account.
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