They're doing pretty well at this point as they're paying 7.12%. Likely at the rate reset in May they'll pay that much or more for the next 6 months. Only downs

They're doing pretty well at this point as they're paying 7.12%. Likely at the rate reset in May they'll pay that much or more for the next 6 months. Only downside is you can only put in $10k/year. If you have a spouse then you can put in $20K/year. Another nice thing about them is that the interest is state-tax free so if you live in a state with income tax it's an added bonus.