I think ANY bank's bottom line is the dead prez, no doubt. I fully understand. I'll definitely report back here though, and let you know if I successfully negotiate a rollover deal...all the suggestions here are really helpful. Yeah pitiful (similar) rates here for basic savings. That stimulus check earlier in the year meant nothing. To make it sound worse, I heard a news report last week about US gov complaining big debts and rattled off many factors and then to top it off mentioned the "stimuls package" as part of why......we're living in some bizarre times.Oh, btw, can I mention a gas related web site I own here? It allows visitors to enter their local zip code to get results from various gas stations rates for a gallon of gas. I'll give the URL if that is acceptable. If not, I understand. I also just launched a hybrid car site...