I own a bank rate tracking site and a common mistake I often see is in people that let their CDs rollover. People will often seek out the best cd rates when they're first looking for a certificate of deposit. But then when the CD matures it rolls over to a new low rate and you're stuck with that rate until the CD matures again. Unfortunately in order to constantly get the best rates you need to shop around after each maturity date. This is easily worth it in the long run because you'll be maximizing your interest rates. You should always be on the look out for the best interest rates possible. I would go as far as to say that you should pull your money out into an online checking account while you search other banks for the best rates around.