The rates mentioned - are they for a regular savings account? I have been watching CD rates here for a few months about once a week. Have not checked in a week. Might do so again this morning. I have a few CDs that are up every few months (ladder?) - might do a longer term if the rates sound good.
We have Citibank 3.75 % for a one year CD.
Santander was very slow in changing their rates - they have a 9 month at 2.75% and 15 months at 4.25%. (they were so slow in moving their rates from .10 that I moved a few $ to Citibank. They finally caught up).
NYCB (local) 12 months at 3% and 3.25 for 24 months.
Capital one year 3.25%, 24 months at 3.30% and 3.50% for five years.
(Just checked Capital One 1 year 4.00%, 5 years 4.25% &
Citibank 1 year 4.00%).