 and you could get this rate however there is a local credit union in town that's offering this amount which is really close and still has a high interest so there are some things we like to offer our clients even if we don't get you know compensated or hold that money we want to make sure they're not just having it sit there make nothing want to keep up with inflation and a lot of our clients appreciate that when they know oh i can just take it from this savings account over to this one across the street and now i'm making