Acknowledged.
However, please do not forget it’s a one-time bump and a one-time add-on.
I do agree the rate lock is a comfort considering the liquidity of this CD.
Aside from that:
I believe Bellco is one of those “must join” credit unions. It’s a Colorado CU, and given recent events with another fine Colorado CU, Blue, my opinion is to join now while you still are allowed lest Bellco close its membership like Blue did.
The fact I personally messed up with Blue prompts this counsel. I was too “busy” and did not join in time. Missed out and pissed myself off.