Ken, most of the 5 years cd's that are maturing this year, were issued at between 5.50% & 6.00%. For me, the CU's and banks on my current cd's (that are maturing this year) are offering less then 2% for a 5yr. cd. I would think there's going to be alot of cash moving out of these CU's and banks. Do you think, this will force any of the institutions to raise the rates or offer one time specials? I want to thank you for the time you put into this site.