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Like the idea of CD’s through Morgan Stanley. Myopic vision has keep me thinking of my local banks CD’s only.

Pdxgal and braumeister, thanks for the support. I like REI and their service. Love the Seattle store and go there frequently. I in no way intended to criticize REI. Happy with my choice to move away from the big banks. Will use my credit union card.

Know that I am late to this discussion, but I had trouble creating a new account with Capitol One and ended up with a paper bill sent two months late. I got hit with a late fee and a interest charge. (Always paid full amount auto pay each month). I had hoped Capitol One would have a grace...