We also have a World Savings CD maturing soon. Got a little nervous when someone posted that World Savings had a very low rating (was it Poway Seller?) and have been looking at ads for climbing interest rates: saw 12 month / 5.60% at Temecula Valley Bank and 6 month / 5.40% there too.
Question: just how important is the rating when the money is FDIC insured?
Also what is the maximum insured deposit for a married couple at a single bank? We’re getting different info from different “customer service reps” and don’t know what to believe.