> Can anyone explain to me how they are able to offer 3% when 1 year treasury notes are less than 3% right now? Easy. They're making a calculated decision to l

> Can anyone explain to me how they are able to offer 3% when 1 year treasury notes are less than 3% right now? Easy. They're making a calculated decision to lose money on the interest rate, in order to build a relationship and make money on other services.