I personally have an account with UFBDirect and Countrywide. Luckily for me Countrywide is the highest besides OneUnited so I'm ok.
If I were you I would maybe wait it out just a bit longer and see what happens, maybe lock into a CD that's 4.5% or higher if there are still any around.
I'd post the rate chasing calculator for those interested in the same thing but I don't have the post count to do it yet.
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