Not sure when the rates changed but they went down quite a bit since I found the website. I guess they held them as high as they could for as long as they could. http://www.aarpsavings.com/rates.aspx
That is the problem with savings and MM accounts, they can change at anytime and I doubt they are changing for the better anytime soon.
4.75% down to 4.05% in a few short weeks!