To Anonymous # 267,
How about Pacific Resources Credit Union? They show a projected tiered rate structure where you never reach the stated rate in that tier because your initial deposit amounts are calculated at a lower rate. They calculate your overall interest rate on separate amounts as your balance increases(similar to how the income tax is calculated). If you look at the rate chart that they show for a savings account, you never achieve the stated rate for a given tier because some of the money is given a lower rate before you reach that tier. Not many financial institutions calculate your interest rate based on varying rate categories like this credit union. So they don't technically honor the stated rate.