I don't know about that. How many credit unions offer 3%? That's what my Discover is right now. Until this whole rate thing my cards were all 9% or less except Advanta that was around 15%. My bank is not in any trouble it is a local bank with good lending practices plus if I argue with a teller I always win, even when I'm wrong. My step dad is on the board of directors.

I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!