I get one of these emails every few months. The rate started at 4.5%. Each email brings the inevitable news that it’s a little lower.
They used to candy-coat it and make it sound like an increase if you don’t pay much attention while reading it. This one is a bit more honest. At this point, I feel bad for the guy who has to keep writing these and scraping together some semblance of enthusiasm about these sad savings-account rates.