American 1 CU open to all, dropped their rates today, like other places I guess they didn't wait until the end of the month. They had 12 and 18 mo first at 5.25% then at 5.00%, then today they dropped it down to 4.25%. A shame, I was thinking of joining them, they have only 90 penalty on their CDs but all of their rates lowered quite a bit - the 4 and 5 yrs ones are in the 3s now.