uh, make that sep 2009. i just checked. wamu is still offering the same cd terms. now, IF the fdic limits are raised to 250k, then it would be theoretically possible for me to get another 285k 12 or 13 month 5.0% cd (joint account)at wamu. the point being to stay below the fdic limits, including accrued interest of course. IF i had the funds, hey, 5.0% is 5.0%.