I do agree local CU and banks are more competitive these days but it comes with lots of strings attached. I wrote in my blog about it. It sometimes doesn't work out all that well and doesn't fit your situation all the time. You get stuck inside the web which is there motive and can't get out. So be careful when you are signing on to high interest rate schemes if there are lot of strings attached like 4 check card transaction, min. balance maintenace and so forth.
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