There are plenty others offering north of 4%, and north of apple's rate, that are reputable (not saying UFB isn't, but it's definitely not a household name). T

There are plenty others offering north of 4%, and north of apple's rate, that are reputable (not saying UFB isn't, but it's definitely not a household name). The delta between, say, 4.55% and 4.8%, on the amounts I'm holding, may not be worth the potential extra headache of working with a lesser known bank. Introducing more risk (or just taking time to open more accounts) to earn, say, an extra $8/month... at some point becomes not worth it.