Best cd rates in michigan - Find the best CD rates in Michigan from online-only banks and compare them with local banks. Learn how to choose the right term, yield and penalty for your savings goals.

 
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Below are the best six-month CD Rates from banks with branches in Saginaw, Michigan . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.Schedule an appointment. 844.375.7027. Annual Percentage Yield (APY) is accurate as of and applies to the initial term of a new Featured CD. We may limit the amount you deposit in one or more Featured CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). Alternative terms are not allowed.Compare the best One year CD rates in Lansing, Michigan, MI from hundreds of credit unions. Compare the highest CD rates by APY, minimum balance, and more. Best Credit Union CD Rates in Lansing, Michigan, MI - May 9, 2024May 6, 2024 ... To be sure, the average 12-month CD carries a guaranteed deposit rate of 1.81%, according to Federal Deposit Insurance Corp. (FDIC) data through ...In today’s digital world, it can be hard to find a laptop that still has a CD/DVD drive. But if you need a laptop with this feature, there are still plenty of options available. Be...Compare the best One-year CD rates in Manistee, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Best CD Rates in Manistee, Michigan, MI - May 5, 2024Today's highest CD rates are 5.65% from MutualOne Bank for 3 months, and 5.55% from Newtek Bank for 6 months. But you can also snag 5.50% guaranteed …The best CD rates have hit above 7% APY. Alpena Alcona Area Credit Union , a financial institution with branches in Michigan, has a 7-month CD special paying 7.19% APY. NerdWallet's Best 5-Year CD Rates for May 2024. Bread Savings™️ CD: 4.15% APY. Alliant Credit Union Certificate: 4.00% APY. Ally Bank High Yield CD: 3.90% APY. Flagstar has a wide range of certificate of deposit (CD) account term lengths, spanning from 30 days to 120 months (10 years). Though the annual percentage yields (APYs) on its CDs aren’t that impressive compared to the best CD rates out there, Flagstar has returns of 0.40% for CD terms nine years and longer.. Whether your objective is earning some …Right now, the best CD rate is 5.65% APY. Compare the best CD rates today, drawn from our research on about 280 banks and credit unions that offer CDs nationwide.Best CD Rates of May 2024. Best 3-Month CD: MutualOne Bank. Best 6-Month CD: Newtek Bank. Best 1-Year CD: NexBank. Best 18-Month CD: NASA Federal Credit Union. Best 2-Year and 10-Year CDs: Credit Human. Best 3-Year CD: DollarSavingsDirect. Best 4-Year CD: Wellby Financial. Best 5-Year CD: BMO Alto.Platelets should be transfused at a rate of 10 milliliters per minute for approximately 30 minutes, explains the Department of Pathology at the University of Michigan Health System... APY* as high as. 13 Month Certificate. 4.42%. 4.50%. Wire transfer fees up to $50 will be waived. *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms. Compare the best CD interest rates across thousands of banks and credit unions. Find the highest CD yields and open an account today. Compare the best One year CD rates in Lansing, Michigan, MI from hundreds of credit unions. Compare the highest CD rates by APY, minimum balance, and more. Best Credit Union CD Rates in Lansing, Michigan, MI - May 9, 2024Market Leader. California Coast Credit Union Celebration Certificate paying 9.50% APY. The California Coast Credit Union's CD that offers over 9% APY requires a minimum deposit of $500 and a ...Right now, the best CD rate is 5.65% APY. Compare the best CD rates today, drawn from our research on about 280 banks and credit unions that offer CDs nationwide.Investing in bonds requires much of the same research as CDs that mature on differing dates, which is why bond funds are chosen by many investors. Many bond funds have a myriad of ...If you are new to the world of CD burning, Nero CD Burner is a popular and powerful software that can help you create and manage your CDs. Whether you want to burn audio CDs, data ...Get up to 4.75% APY. $1,000. *Offer Details. Best CD Rates of May 2024. We compared 142 CD and certificate accounts at 84 nationally available banks and credit unions to find some of the best...Find high-yield CDs with competitive APYs and risk-free investment at Michigan Schools and Government Credit Union. Choose from 6-month to 5-year terms, $500 minimum …Our CD interest rate tables for Iron Mountain, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Iron Mountain, MI or by zip code. Once you have entered your search criteria a list of the highest Iron Mountain, …CD Rates in Michigan. CD Rates in Gaylord, Michigan. Gaylord, Michigan (MI) CD rates Fifth Third Bank, N.A. 4.30% APY; Fifth Third Bank, N.A. 0.01% APY; Fifth Third Bank, N.A. 4.00% APY; Fifth Third Bank, N.A. 0.01% APY and The Huntington National Bank 0.10% APY. To see how these CD rates in Gaylord, Michigan, and the surrounding area, …May 18, 2022 ... Highest Bank CD Rates and Certificate of Deposit explained. TommyBryson · 228K views ; Bank CDs vs Brokered CDs vs Treasuries--Which is "Best" for...2 days ago · One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Kalamazoo, MI - May 13, 2024. 1 Year CD National Average : 0.84% ? Purchasing a certificate of deposit involves depositing an amount of money for a specified length of time. You contractually agree to leave this deposit with the bank for the time ...2 days ago · Compare the best Three-year CD rates in Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APR, minimum balance, and more. Best 3-Year CD Rates in Michigan, MI - May 13, 2024 Our CD interest rate tables for Grand Blanc, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Grand Blanc, MI or by zip code. Once you have entered your search criteria a list of the highest Grand Blanc, …Credit Union CD Rates – 9-Month – Michigan 2024. Below are the best nine month CD Rates from credit unions in Michigan. Nine month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 9 month CD if you are concerned about savings rates dropping and …Compare the best One-year CD rates in Trenton, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Best CD Rates in Trenton, Michigan, MI - April 30, 2024 Compare over 600 CD options from local and national banks based on APY, deposit requirements, fees and more. Find the best CD rates for different terms, types and insurance coverage in Michigan. Compare the best One-year CD rates in St. Johns, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Best CD Rates in St. Johns, Michigan, MI - April 7, 2024Right now, the best CD rate is 5.65% APY. Compare the best CD rates today, drawn from our research on about 280 banks and credit unions that offer CDs nationwide.One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Sterling Heights, MI - May 13, 2024. 1 Year CD National Average : 0.84% ?When it comes to financial planning, one of the key factors to consider is the interest rates offered by various investment options. One of the primary benefits of using a CD rate ...Featured CD - Western Alliance (5.51% APY – 12mo) Lock in high interest rates on your savings with a term CD from Western Alliance. Powered by the Raisin platform, this cd comes with no minimum deposit and could be beneficial if and when rates begin to slide on high yield savings accounts. Get Started.Below are the best one-year CD Rates from banks in Detroit, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Detroit, MI - May 8, 2024.Below are the best one-year CD Rates from banks in Taylor, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Taylor, MI - May 1, …Michigan Certificate of Deposit Search and compare Michigan CD rates from banks and credit unions. Our CD interest rate tables for Michigan include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Michigan or by zip code.The best CD rate across all terms from a bank is 5.65% APY, offered by MutualOne Bank for a 3-month CD with a $500 minimum deposit. To find you the best bank CD rates nationwide, we review CD ...3.46% to 4.86% $500. Daily. Editor's Take. Pros & Cons. Details. Digital Federal Credit Union Regular Jump-Up Certificates.Highest Yielding CD Rates for Michigan, MI. Includes Online Banks, Local Banks and Credit Unions / Updated May 11, 2024. Summary. 6-Month. 9-Month. 1-Year. …NerdWallet's Best 6-Month CD Rates for May 2024. Marcus by Goldman Sachs High-Yield CD: 5.10% APY, $500 Minimum deposit. Alliant Credit Union Certificate: 5.00% APY, $1,000 Minimum deposit ...Compare the best Six Month CD Rates in Michigan, MI from hundreds of credit unions. Compare Certificates of Deposit by APY, minimum balance, and more. Best Credit Union 6 Month CD Rates in Michigan, MI - May 5, 2024Compare the best One-year CD rates in Marquette, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Best CD Rates in Marquette, Michigan, MI - April 26, 2024Below are the best six-month CD Rates from banks with branches in Saginaw, Michigan . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.If you run a small business in Michigan, there are several grant programs that may help you reach your goals. If you run a small business in Michigan, there are several grant progr...2 days ago · Compare the best Three-year CD rates in Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APR, minimum balance, and more. Best 3-Year CD Rates in Michigan, MI - May 13, 2024 1 day ago · Grand Rapids, Michigan CD Rates 2024. Below are the best one-year CD Rates from banks in Grand Rapids, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money ... A Wells Fargo Standard Fixed Rate CD offers 1.50% to 4.51% APY. Wells Fargo pays one of the best 3-month CD rates, but the other terms aren't as strong. If …5.25%. Online Rate. $1 Min. to Earn APY. Sometimes offers competitive rates. Bank reports that this rate is for new customers opening a "High Yield Savings" account only. Customers who opened accounts earlier called "Priority", "Preferred" or something else are earning a lower rate. Schedule a meeting with a banker to open an account and enjoy relationship rates. Want to learn more about CDs? Visit our Banking Education Center. CD Text Message Program: Message and data rates may apply. For help call 1-800-935-9935. Reply STOP to 87256 to no longer receive Chase CD text messages until you provide your consent again. Schedule a meeting with a banker to open an account and enjoy relationship rates. Want to learn more about CDs? Visit our Banking Education Center. CD Text Message Program: Message and data rates may apply. For help call 1-800-935-9935. Reply STOP to 87256 to no longer receive Chase CD text messages until you provide your consent again.Michigan CD rates First State Bank (MI) 0.05% APY; Dearborn Federal Savings Bank 4.20% APY; Oxford Bank 0.15% APY; Lake-Osceola State Bank 2.27% APY and Northern Interstate Bank, N. A. 2.02% APY.. To see how these CD rates in Michigan compare to other rates, feel free to use our comprehensive rate tables for side-by-side comparisons …Positioned among stunning wilderness landscapes, Michigan breweries offer must-try craft beer. Here's where to go. Michigan is a complicated state. On one hand, it’s synonymous wit...Best Banks And Credit Unions in Michigan. Whether you’re looking to open a savings account, a checking account, a small business loan or the best mortgage rates, you’ll find a quality bank among Michigan’s top eight banks: Chase Bank. The Huntington National Bank. Flagstar Bank. Sterling Bank and Trust. Isabella Bank.In today’s digital age, streaming music has become the norm. With just a few clicks, we can access an endless library of songs from various platforms. However, there is still somet...Grand Rapids, Michigan CD Rates – 9-Month 2024. Below are the best nine-month CD Rates from banks with branches in Grand Rapids, Michigan . Nine month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned …When it comes to financial planning, one of the key factors to consider is the interest rates offered by various investment options. One of the primary benefits of using a CD rate ...Compare the highest APYs for 6-month, 1-year, and 5-year CDs from banks and credit unions in Michigan. Learn how to choose the best CD for your needs and goals.5.35%. Online Rate. 12-Month CD - $25,000 Min. Early Withdrawal Penalty is 6 months interest. Learn More. J Dally | June 13, 2023 |. 5% + on a savings rate is attractive, but the phone reps are trained to tell people as a first response to come to a branch to address any inquiries. NerdWallet's Best 5-Year CD Rates for May 2024. Bread Savings™️ CD: 4.15% APY. Alliant Credit Union Certificate: 4.00% APY. Ally Bank High Yield CD: 3.90% APY. Our CD interest rate tables for Grand Blanc, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Grand Blanc, MI or by zip code. Once you have entered your search criteria a list of the highest Grand Blanc, …Ratings Methodology. APY Term. Minimum Deposit. Sort By. Rates as of May 10, 2024. How to compare the best CD rates. Ready to get started, but not sure how to …Michigan CD Rates – 2-Year 2024. Below are two-year Certificates of Deposit (CD) rates from banks in Michigan. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on …Market Leader. California Coast Credit Union Celebration Certificate paying 9.50% APY. The California Coast Credit Union's CD that offers over 9% APY requires a minimum deposit of $500 and a ...2 days ago · Hamtramck. Birmingham. Trenton. Hazel Park. Wayne. Mount Clemens. Compare the best One-year CD rates in Grand Haven, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Here's a look at some of the best credit union CD rates. Best Credit Union CD rates 2024. Easy to join: Pentagon Federal ... Hope Credit Union, Lake Michigan Credit Union, Navy Federal Credit ...Ann Arbor, Michigan CD Rates 2024. Below are the best one-year CD Rates from banks in Ann Arbor, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and … Compare the highest CD rates by APY, minimum balance, and more. Compare the best Three year CD rates in Michigan, MI from hundreds of credit unions. Best Credit Union 3 Year CD Rates in Michigan, MI - May 13, 2024 NerdWallet's Best 5-Year CD Rates for May 2024. Bread Savings™️ CD: 4.15% APY. Alliant Credit Union Certificate: 4.00% APY. Ally Bank High Yield CD: 3.90% APY.Below are the best one-year CD Rates from banks in Detroit, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Detroit, MI - May 8, 2024.Northern Bank Direct. 5.60%. Online Rate. 12 Month CD - $500 Min. Warning: Early Withdrawal Penalty is 12 Months interest. Learn More. Wazup | October 13, 2022 |. might be a good as a local bank, but not set up as an online bank More Reviews.Michigan Certificate of Deposit Search and compare Michigan CD rates from banks and credit unions. Our CD interest rate tables for Michigan include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Michigan or by zip code.Our CD interest rate tables for Tecumseh, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Tecumseh, MI or by zip code. Once you have entered your search criteria a list of the highest Tecumseh, MI CD …Michigan CD rates First State Bank (MI) 0.05% APY; Dearborn Federal Savings Bank 4.20% APY; Oxford Bank 0.15% APY; Lake-Osceola State Bank 2.27% APY and Northern Interstate Bank, N. A. 2.02% APY.. To see how these CD rates in Michigan compare to other rates, feel free to use our comprehensive rate tables for side-by-side comparisons …View CD Rates of over 3000 banks and credit unions so you can be sure to get the best rates on the market!Compare over 600 CD options from local and national banks based on APY, deposit requirements, fees and more. Find the best CD rates for different terms, types and …Farmington Hills, Michigan CD Rates 2024. Below are the best one-year CD Rates from banks in Farmington Hills, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and ...5.00%. Online Rate. 18 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest. Learn More. Frog Stephane | October 30, 2022 |. I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%).5.25%. Online Rate. $1 Min. to Earn APY. Sometimes offers competitive rates. Bank reports that this rate is for new customers opening a "High Yield Savings" account only. Customers who opened accounts earlier called "Priority", "Preferred" or something else are earning a lower rate.5.13%. Online Rate. 18 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest. Learn More. Frog Stephane | October 30, 2022 |. I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%).See the link below for more information on each CD and on how we determined the best. As of May 9, 2024, the current national high rate for a 5-year CD is 4.6% APY according to Curinos data ...Discover Bank, Member FDIC. Insider’s Rating 3.75/5. Annual Percentage Yield (APY) 2.00% to 4.70%. Minimum Opening Deposit. $2,500. Show Pros, Cons, and …4.30% – 5.30% APY. $10,000 minimum deposit. 3 months - 5 years. Current Popular Direct CD Rates. Rate history for Popular Direct's CD accounts. Why we chose it.Highest Yielding CD Rates for Michigan, MI. Includes Online Banks, Local Banks and Credit Unions / Updated May 11, 2024. Summary. 6-Month. 9-Month. 1-Year. …Michigan CD Rates – 9-Month 2024. Below are the best nine-month CD Rates from banks with branches in Michigan. Nine-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 9 month CD if you are concerned about savings rates dropping and …

Best CD Rates of May 2024. Best 3-Month CD: MutualOne Bank. Best 6-Month CD: Newtek Bank. Best 1-Year CD: NexBank. Best 18-Month CD: NASA Federal Credit Union. Best 2-Year and 10-Year CDs: Credit Human. Best 3-Year CD: DollarSavingsDirect. Best 4-Year CD: Wellby Financial. Best 5-Year CD: BMO Alto.. Mercy health partners mychart

best cd rates in michigan

Our CD interest rate tables for Grand Blanc, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Grand Blanc, MI or by zip code. Once you have entered your search criteria a list of the highest Grand Blanc, …WalletHub makes it easy to find the best certificates of deposit in Michigan by providing the tools to compare more than 600 options, including CDs from all types of financial institutions. Best CD Rates in Michigan. Middlesex Savings Bank CD - 3.75% - 5.00%. Bask Bank CD - 4.50% - 5.20%. Newtek Bank CD - 2.00% - 5.55%.Here is a summary of the top jumbo CD rates and where you can find them. State Bank of Texas Jumbo CD Time Deposit: 5.40% APY (12 months) My eBanc Jumbo Online Time Deposit: 3.98% to 5.49% APY (6 ...A good CD rate in 2024 is about 4.50% or higher for a 1-year term. Some of the best CDs offer an APY of 5.00% or more on 1-year CDs. Rates like these are much higher than the national average, and ...Our CD interest rate tables for Iron Mountain, MI include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Iron Mountain, MI or by zip code. Once you have entered your search criteria a list of the highest Iron Mountain, …Are you tired of carrying around stacks of CDs? Do you want to have all your favorite music and movies accessible in one place? Copying a CD to your computer is the perfect solutio...In today’s digital age, streaming music has become the norm. With just a few clicks, we can access an endless library of songs from various platforms. However, there is still somet...Compare the best One-year CD rates in Manistee, Michigan, MI from hundreds of FDIC insured banks. Compare the highest CD rates by APY, minimum balance, and more. Best CD Rates in Manistee, Michigan, MI - May 5, 2024Below are the best one-year CD Rates from banks in Midland, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Midland, MI - May 3, 2024.5.00%. Online Rate. 18 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest. Learn More. Frog Stephane | October 30, 2022 |. I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%).Below are the best one-year CD Rates from banks in Ionia, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Ionia, MI - May 4, 2024. Schedule an appointment. 844.375.7027. Annual Percentage Yield (APY) is accurate as of and applies to the initial term of a new Featured CD. We may limit the amount you deposit in one or more Featured CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). Alternative terms are not allowed. 5.13%. Online Rate. 18 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest. Learn More. Frog Stephane | October 30, 2022 |. I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%).Here is a summary of the top jumbo CD rates and where you can find them. State Bank of Texas Jumbo CD Time Deposit: 5.40% APY (12 months) My eBanc Jumbo Online Time Deposit: 3.98% to 5.49% APY (6 ...Our methodology for identifying the best CD rates in Michigan involved an extensive review of 96 banks and credit unions to capture a broad spectrum of available rates. Out of these, 63 institutions made the list, chosen based on their offering of competitive rates, customer service, and the flexibility of terms.5.25%. Online Rate. $1 Min. to Earn APY. Sometimes offers competitive rates. Bank reports that this rate is for new customers opening a "High Yield Savings" account only. Customers who opened accounts earlier called "Priority", "Preferred" or something else are earning a lower rate.Below are the best one-year CD Rates from banks in Portage, Michigan. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts. Portage, MI - May 14, 2024.The Best CD Rates by Term. Many of the best CD rates are offered by credit unions right now. But don't worry — anyone is eligible to join these credit unions and …Jun 21, 2021 · 5.00%. Online Rate. 18 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest. Learn More. Frog Stephane | October 30, 2022 |. I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%). .

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