We witnessed several RCA rate drops for the New Year. The trend is definitely downward.
Incommons (TX) and Bank2 (OK) were the recent casualty from the 5% club. Soon, there will be very few 5% RCAs...
What to do? Just stay with the steady-eddie 4% RCAs and go on with our lives. The rate chasing game, like in the stock market, is a losers' game and grave. Look, there were so many popular RCAs (FAB&T, BotS) are dropped their rate eventually.
I am happy with the 4% rate, but no less.