[NautiNurse]

If rates drop, that 4.15% rate won’t stick.

And if the rate goes up, the competitive savings interest rate will go higher. 4.15% for regular savings is very reasonable today. Other institutions with similar rates also offer 5+% for 12-14 month CD. It is silly to keep money labeled as "savings" in an account which earns an insulting 0.1% annually these days.

[Osage Orange]

5% for a whole year.... is a very poor rate.....Plenty of other ways to make much more....IF you how to do it.