I am willing to give up a little interest by not having to run around town renewing my CDs or finding a safer bank to park them in when they mature. And, other than the Fed Reserve Bank, I want to be able to get my hands on the human who holds my money. Locally (San Diego) it seems World and San Diego National are the best rated banks by bankrate.com. And that changes from time to time. One thing that pisses me off is local banks offering higher interest rates to “new money” than my “old money.” Banks are crazy to have me withdraw my 100K while they lure in a new 5K account. I don’t want to play their games.