To be fair, the national average interest rate is only ~0.46%, which is insanely low considering how many banks are now offering 4-5%. Offering 2x the national

To be fair, the national average interest rate is only ~0.46%, which is insanely low considering how many banks are now offering 4-5%. Offering 2x the national average is still low. The $10M random number drawings are definitely shady as hell, though.