While its impossible to determine which banks have been playing with fire, if they've been involved in sub-prime slime then I stay away from them regardless as to how sweet the rates are they offer.
I've got 2 CDs from my CU at 5% APR at a four year term. They keep all the mortgages they make on their books and promise to never sell the loan. My liquid cash is with Capital One 3.75% and they are a local bank for me in NoVA. They were not a sub-prime mortgage lender, but they are into credit cards, so I may move it over to another online bank that is not linked to toxic slime loans. Ones like AmTrust, WaMu, etc will never get my cash.
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