9.19开了4.5%的cd
10.28存钱进去，当天网站上是4.1%，存钱距离开户小于45天
今天一看app利率是4.1%，不是开户的4.5%，而是存钱时候的4.1%利率，刚才翻出存钱之后银行寄来的信，利率确实是4.1%
一直以为开户之后45天之内存钱就能锁定开户时的利率，原来还是按存钱时的利率来算
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If we receive your CD funding within 10 days of submitting your application (including your application date), the interest rate and Annual Percentage Yield (APY) will be the highest of the interest rate and APYs we offered (applicable to your Non-IRA CD Account for that term) on either: the date you submitted your application, (2) the date your account was opened, or (3) the date we received your funding. If we receive your funding more than ten (10) days (including your application date) after your application date, your Non-IRA CD Account interest rate and APY will be the interest rate and APY we offer (applicable to your Non-IRA CD Account for that term) on the date we receive the funding. The interest rate, APY and maturity date for your Non-IRA CD Account will be confirmed in your Welcome Kit. You will have 45 days to fund your Non-IRA CD Account starting from the date your account was opened.
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45天也太长了