PFCU bonus program is a gimmick. Just spoke to the rep there...they lowered the rates (unknown to anyone) on 12/29 so that the bonus for rolling over CDs gets you nothing other than their prior rates. In fact, the rep said that the system was changed 12/29 and no one even knew this had happened and everyone flagged their CDs for auto renewal. So- take everything you hear about PFCU with a grain of salt. They do not appear to be committed to transparency.