I think they recently had a run on their CD accounts or should I say CD accounts held by numerous clients who were afraid of being affected by sub prime. The 5.75 APY is not great considering there has to be a winner when it comes to offering competitive rates. I receive 5.25% APY in a brokerage account with no fees and no time limit. The money is lent by the firm at 9.5% to people who leverage the commodity and have to sale the commodity if they cannot make the margin calls which brings my risk to a very low level if any at all.