@BobKamman I believe it is paying her a much better rate. The smaller financial institutions in this area, including credit unions, pay better rates than the larger entities. From time to time they have certificate of deposit specials . You can go on Fidelity and check interest rates, and if you have a Fidelity account you can buy Certificates of Deposit from entities all over the country. As far as travel agents, I don't know much about that. I don't travel much out of Possum Valley here. Last time I tried, Farmer Davis was kind enough to let me borrow one of his mules. But we came upon a rattlesnake and it done kicked me off.