Re Ally's 60 Day Withdrawel Penalty

Re Ally's 60 day withdrawel penalty- Since they can change it back to 6 months at any time, has anyone computed what the effective rate is on a 5 yr. if we need to withdraw at yrs 2, 2.5 & 3 if rates skyrocket by then?

@ Dale - #272

 Calcs for net rate reduction in early w/d comparing 60 day & 6 month penalties:

term   interest rate   APY

 5 yr       3.04%      3.05%

w/d    full term    60 day penalty    6 month penalty

 2 yr       3.09%            2.83%              2.31%

 2.5 yr    3.11%            2.90%              2.49%

 3 yr       3.13%            2.96%              2.61%

 4 yr       3.18%            3.05%              2.78%